Thursday, 26 March 2009
Online shopping, lalalala..
And I already bought 4. Promise, no new clothes for 6 months! hehe..
Anyway, I was on e-Bay like every 3hours checking on their newest products. And I realize that everytime the items ended with no bidding at all, they will add on ebay again. Some may reduce the price and some just remain the same (a shop owner usually remains the same price even how many times they displayed the items). So, if you were eyeing on certain items (not a shop owner's item), no one's bidding it and you think it's too expensive, then you should just wait. The owner may reduce the price when she displays it on e-Bay again.
My boss bought an iPhone. Having a new toy, she kept on showing me on how high tech the phone is.. Yeah, it's seducing me on having one.. Then Abg Hadi bought a Blackberry.. Korang ni memang ar menggoda.. I kept on saying to meself, I don't need a 2K handphone, I need a humongous fridge to put all those ready-to-eat frozen foods once I have my own home..hee
Wednesday, 25 March 2009
152 out of 244.. I have no life..haha
() Rocky Horror Picture Show
(X) Grease
(X) Pirates of the Caribbean
(X) Pirates of the Caribbean 2: Dead Man's Chest
(X) Pirates of the Caribbean 3: At World's End
() Boondock Saints
() Fight Club
(X) Starsky and Hutch
(X) Neverending Story
() Blazing Saddles
() Airplane
Total: 6
(X) Saw
() Saw II
( ) White Noise
( ) White Oleander
(X) Anger Management
(X) 50 First Dates
(X) The Princess Diaries
(X) The Princess Diaries 2: Royal Engagement
Total so far: 11
(X) Scream
(X) Scream 2
(X) Scream 3
(X) Scary Movie
(X) Scary Movie 2
(X) Scary Movie 3
(X) Scary Movie 4
(X) American Pie
(X) American Pie 2
(X) American Wedding
() American Pie Beta House
Total so far: 21
(X) Harry Potter 1
(X) Harry Potter 2
(X) Harry Potter 3
(X) Harry Potter 4
(X) Resident Evil 1
(X) Resident Evil 2
(X) The Wedding Singer
() Little Black Book
() The Village
(X) Lilo & Stitch
Total so far: 29
(X) Finding Nemo
() Finding Neverland
(X) Signs
(X) The Grinch
( ) Texas Chainsaw Massacre
() Texas Chainsaw Massacre: The Beginning
(X) White Chicks
() Butterfly Effect
(X) 13 Going on 30
(X) I, Robot
( ) Robots
Total so far: 35
(X) Dodgeball: A True Underdog Story
(X) Universal Soldier
() Lemony Snicket: A Series Of Unfortunate Events
(X) Along Came Polly
(X) Deep Impact
( ) KingPin
(X) Never Been Kissed
(X) Meet The Parents
(X) Meet the Fockers
() Eight Crazy Nights
() Joe Dirt
() KING KONG
Total so far: 42
(X) A Cinderella Story
(X) The Terminal
(X) The Lizzie McGuire Movie
() Passport to Paris
(X) Dumb & Dumber
() Dumber & Dumberer
(X) Final Destination
(X) Final Destination 2
(X) Final Destination 3
(X) Halloween
(X) The Ring
(X) The Ring 2
() Surviving X-MAS
() Flubber
Total so far: 52
(X) Harold & Kumar Go To White Castle
(X) Practical Magic
() Chicago
(X) Ghost Ship
( ) From Hell
(X) Hellboy
(X) Secret Window
(X) I Am Sam
(X) The Whole Nine Yards
( ) The Whole Ten Yards
Total so far: 59
(X) The Day After Tomorrow
(X) Child's Play
(X) Seed of Chucky
(X) Bride of Chucky
(X) Ten Things I Hate About You
(X) Just Married
(X) Gothika
(X) Nightmare on Elm Street
( ) Sixteen Candles
(X) Remember the Titans
() Coach Carter
(X) The Grudge
(X) The Grudge 2
(X) The Mask
() Son Of The Mask
Total so far:71
(X) Bad Boys
(X) Bad Boys 2
(X) Joy Ride
() Lucky Number Slevin
(X) Ocean's Eleven
(X) Ocean's Twelve
(X) Ocean's Thirteen
(X) Bourne Identity
(X) Bourne Supremecy
(X) Bourne Ultimatum
( ) Lone Star
() Bedazzled
(X) Predator I
(X) Predator II
(X) The Fog
(X) Ice Age
(X) Ice Age 2: The Meltdown
() Curious George
Total so far:85
(X) Independence Day
() Cujo
() A Bronx Tale
() Darkness Falls
( ) Christine
(X) ET
( ) Children of the Corn
( ) My Bosses Daughter
(X) Maid in Manhattan
(X) War of the Worlds
(X) Rush Hour
(X) Rush Hour 2
Total so far: 91
( ) Best Bet
(X) How to Lose a Guy in 10 Days
(X) She's All That
() Calendar Girls
( ) Sideways
() Mars Attacks
( ) Event Horizon
(X) Ever After
(X) Wizard of Oz
(X) Forrest Gump
( ) Big Trouble in Little China
(X) The Terminator
(X) The Terminator 2
(X) The Terminator 3
Total so far: 99
(X) X-Men
(X) X-2
(X) X-3
(X) Spider-Man
(X) Spider-Man 2
() Sky High
() Jeepers Creepers
() Jeepers Creepers 2
() Catch Me If You Can
(X) The Little Mermaid
(X) Freaky Friday
() Reign of Fire
() The Skulls
(X) Cruel Intentions
(X) Cruel Intentions 2
(X) The Hot Chick
(X) Shrek
(X) Shrek 2
(X) Shrek 3
Total so far: 112
( ) Swimfan
( ) Miracle on 34th street
( ) Old School
(X) The Notebook
( ) K-Pax
() Krippendorf's Tribe
(X) A Walk to Remember
(X) Ice Castles
(X) Boogeyman
() The 40-year-old Virgin
Total so far: 116
(X) Lord of the Rings Fellowship of the Ring
(X) Lord of the Rings The Two Towers
(X) Lord of the Rings Return Of the King
(X) Indiana Jones and the Raiders of the Lost Ark
(X) Indiana Jones and the Temple of Doom
(X) Indiana Jones and the Last Crusade
Total so far: 122
( ) Baseketball
( ) Hostel
( ) Waiting for Guffman
( ) House of 1000 Corpses
( ) Devils Rejects
() Elf
(X) Highlander
( ) Mothman Prophecies
() American History X
() Three
Total so far:123
( ) The Jacket
(X) Kung Fu Hustle
(X) Shaolin Soccer
(X) Night Watch
(X) Monsters Inc.
(X) Titanic
( ) Monty Python and the Holy Grail
( ) Shaun Of the Dead
() Willard
Total so far: 128
( ) High Tension
( ) Club Dread
(X) Hulk
(X) Dawn Of the Dead
(X) Hook
(X) Chronicles Of Narnia: The Lion the Witch and the Wardrobe
() 28 days later
( ) 28 weeks later
( ) Orgazmo
( ) Phantasm
( ) Waterworld
Total so far: 132
(X) Kill Bill vol 1
(X) Kill Bill vol 2
(X) Mortal Kombat
( ) Wolf Creek
(X) Kingdom of Heaven
(X) the Hills Have Eyes
( ) I Spit on Your Grave aka the Day of the Woman
( ) The Last House on the Left
( ) Re-Animator
(X) Army of Darkness
Total so far:138
(X) Star Wars Ep. I The Phantom Menace
(X) Star Wars Ep. II Attack of the Clones
(X) Star Wars Ep. III Revenge of the Sith
(X) Star Wars Ep. IV A New Hope
(X) Star Wars Ep. V The Empire Strikes Back
(X) Star Wars Ep. VI Return of the Jedi
() Ewoks Caravan Of Courage
() Ewoks The Battle For Endor
Total so far: 144
(X) The Matrix
(X) The Matrix Reloaded
(X) The Matrix Revolutions
(X) Animatrix
(X) Evil Dead
(X) Evil Dead 2
( ) Team America: World Police
() Red Dragon
(X) Silence of the Lambs
(X) Hannibal
Total so far: 152
Now Add them up and...
Put in the subject line and repost..
Aku tak pernah tag sape2 ek..
I'm tagging: Mala, Naz, Kuntum, Abg Hadi, Min, Fariq, Farah, Yana, Ikram, Tapai.. Cukup 10..hehehe
sukehati la korang nak buat ke tak.. :D
Monday, 16 March 2009
The motivation
Dear Suraya,We called our mentor Ms. Veni. She is in the communication programme. Forever busy and I only met her twice. Therefore she asked us to write to her a genuine feeling about DPA and the impact on us.
First of all please apologize for my delayed response. I was on leave and attending a course.
I must say I was very impresses with your casual yet very genuine and frank thoughts on the question I had post to you.
Well, girl you have the right attitude to be in the service and most importantly to be a good human being. I am glad with the progress you have made both in your course as in your personal life. My sincerest best wishes to you.
I hope this inner spirit and attitude will not only prevail but also be nurtured and groomed in the future. I am certainly positive, you will make not only your dad but also your friends proud in your achievements. I am certainly very proud of your standings at this moment.
Keep up the good work and keep on having the positive outlook.
May the good lord bless you.
See you around soon!
I like DPA. I don't mind doing it again, with same old crowd of people but without the sideroll thing please =)
Reminiscence
Saya penat, teramat penat. Saya mahu nangis di peha mama tanpa perlu menjelas sepatah pun dan mama akan berkata, "Tiada ada masalah yang tidak dapat selesai." Tapi mama tidak berada di sisi. Saya tidak mahu menyusahkan kawan, saya tidak mahu membebankan mereka.Tapi saya masih punya Tuhan. Allah sentiasa di sisi saya. Sebagaimana saya seringkali melupakanNya kerana kenikmatan dunia, Dia tetap sentiasa di sisi saya. Dan saya menangis teresak2 di atas tikar sejadah memohon keampunan ke atas kelalaian saya.
Tatkala hati berkecamuk, resah dan keliru, hanya Dia lah tempat memohon ketenangan. Dan hanya cintaNya yang kekal abadi tanpa syarat."Ikut hati mati, ikut nafsu lesu, ikut rasa binasa"Berulang kali pepatah tersebut saya ulangi dalam fikiran saya.
Jangan diikutkan nafsu amarah yang sedang membuak2. ketika hati sedang bergelora, ambillah wudhuk dan bacalah ayat2 suci Al-Quran dan tunaikan solat sunat minta petunjuk daripadaNya.
Itu pesan Mama..
Namun, saya bukan insan sempurna. Seringkali mengungkap kata2 pedas ketika telinga ditiup dengan bisikan iblis dan syaitan. Dan setiap kali jua saya menyesal atas perbuatan yang dilakukan dan perkataan yang diucapkan, melukakan insan2 di sekeliling saya tanpa disedari.
Hari ini setelah hampir 2 tahun, saya beristikharah sekali lagi memohon petunjuk daripadaMu, Ya Allah... Semoga jalan yang dipilih ialah jalan yang terbaik dan diredhai-Mu..
Friday, 13 March 2009
Hate getting sick..
When I was in school, whenever I got sick, Ma will force me to go see the doctor. I hate going to the clinic before and I still hate going to the clinic now. If I refused going to the clinic, then I have to go to school (dengan maksud tersirat nya, I can't pretend being sick and making excuses to skip school). And I always ended up going to school instead eventhough I was not well.
But school is different. If you were sick, you can lie down at the room for sick people and went home when the bell rang. I did that often in order to skip seeing the doctor. The friends will come visit bringing food during recess or in between classes.
In the working world, when you are not well, you have to take MC, meaning I have to see the doctor. Or else, I have to use my yearly leaves which is such a waste. So, I go to work. But I cant work. I feel dizzy, my throat hurts, I'm cold, I have running nose and the palms are sweating..
I know I'm the worse when I'm not well. I think most people are.
I read once in a book, but I can't remember which. 1 of the characters is a very happy girl whom always think good about other people. A positive thinker. Whenever one was being grumpy all the time or one wouldn't smile that day, she always make up excuses for them. "Maybe he has a rough day, maybe she's not well, maybe he just lost his job." It's one of her way not to think bad of others..
I wish people out there were like that including myself..
And I wish I were at home curling myself under the blanket on my comfy bed and drinking hot Milo..
Thursday, 12 March 2009
They are getting smarter or....
Dimaklumkan 6ribu lebih students seluruh Malaysia dapat 8A dan ke atas? Giler ah..
Teringat zaman Sis Yana and Sis Yanie SPM tahun '93, '94, sape dapat 9A1, masuk paper bergambar solo. Sekarang, if nak bergamba solo dalam surat khabar, buat surat khabar sendiri lah. Semua nak masuk surat khabar, tebal macam buku telefon nanti.
Masa call Bro Wan, tadi terharu pula saya atas kejayaan dia. Semalam muka toya tak lalu makan sebab risau dengan result nak dapat hari ni. Tadi, punye la ceria. Belum sempat tanya, "Ya, straight A's. Nak hadiah, nak hadiah!"
Cis..
superwoman getting sick..
Hari ini, eyeballs saya terasa panas, muka pun panas, kaki sejuk and badan rase panas berpeluh..
Saya tak ingat bila last time saya demam panas. Demam selsema tu lain. Ni demam panas yang disertai pening2 loya dan muntah, kena makan parasetamol tiap 6 jam..
Sebagai bekas pesakit demam denggi, chances untuk dapat denggi kali ke2, ke3 dan seterusnya lebih tinggi sebab kuman tu dah ade dalam tubuh, tunggu something nak trigger dia je. Bila saya mula rasa nak demam macam ni, saya takut je kena denggi lagi..
Tobat, taknak kena denggi lagi.. Tu lar penyakit paling teruk saya pernah kena.. Masa kena chicken pox tu okey lagi, cuma kegatalan kulit yang melampau. Once dah makan ubat dan perut kenyang, boleh tido lena.
Tapi denggi ni, dahla pening loya 24/7. Makan je, muntah. Badan panas, kena makan parasetamol tiap 4 jam. Tau2 la kan makan parasetamol dengan perut kosong camne rasenye.. Orang asyik suruh minum air bebanyak, minum air pun muntah tau. Perut ni kosong je, lapar memang lapar, tapi bila makan mesti muntah. Tidur malam sentiasa berjage sebab mimpi ngeri. Kakak saya siap datang all the way dari Kelantan cucuk IV kat lengan. Bro Wan yang kena denggi serentak dengan saya kena admit masuk wad.
Doctor yang diagnose Bro Wan tu macam kerek ckit. Mungkin sebab kami berpakaian selebet. Bila Bro Wan kena admit, doctor ni dengan kerek nya cakap kat mak saya, "Wad kelas kedua and kelas ketiga dah penuh. Kelas pertama je ada. Boleh check dengan HKL if ada ward class 2 and 3 yang kosong" dengan nada macam mengejek. Tau lar kami berpakaian seperti orang kampung, muka selebet masa tu, ape ingat kami tak mampu ker? Lepas dari itu, Ma pun speakong cakap husband dia ex-senior govt officer and he's son entitled to 1st class ward. Lepas tu baru doctor tu start layan kami baik2.
Kenapa ada double standard pada rupa paras? Kami tak memperlekehkan you, kenapa you nak looked down on us? If orang yang kerek, you kerek balik, tak pe lar. Saya sokong.
Kesimpulannya, jangan biar diri anda digigit aedes. Kena denggi payah wey.. 100+ tu your best friend masa sakit.. Bila dah sembuh, jangan harap nak minum 100+ lagi..
Hidayah, anugerah terhebat Allah
Adalah suatu yang sangat indah bila kita lihat perubahan yang sangat drastik kepada seseorang yang dahulunya boleh dikatakan tersasar dari ajaran Islam yang sepatutnya. Kini, dah bertudung, gambar2nye yang dahulu agak terdedah telah dibuang daripada photos FB. Dan beliau sangat2 bersyukur diberi petunjuk sebelum ajal datang menjemput. Dia sangat2 cantik bertudung sekarang. Saya suka.. Rasa macam nak peluk dia erat2..
Orang selalu cakap, orang yang tersesat ni, tak dapat hidayah daripada Allah dan Allah hanya memberi hidayah pada insan2 yang dipilihNya.. Tapi sesetengah ulamak berkata, hidayah itu perlu dicari dan insyaAllah ia akan datang pada kita.
Sesetengah daripada kita, memandang serong pada saudara baru. Kononnya mereka yang dilahirkan sebagai Islam lebih baik daripada yang baru memeluk Islam. Bagi saya, korang silap. Mereka yang baru menemui Islam ni (yang memeluk Islam bukan sebab perkahwinan) kebanyakannya lebih baik daripada mereka yang dilahirkan sebagai Islam. Kerana bagi saudara baru ini, mereka nampak kesucian Islam itu daripada pandangan seorang yang tersasar sehingga membuat mereka tertarik untuk memeluk Islam. Mereka lebih menyayangi Islam dan mendalami Islam dengan sebaik2nya kerana mereka bersyukur mereka menemui sesuatu yang sangat suci.
Saya dah bosan dengan pandangan2 pelik orang di surau shopping complex ketika saya hendak solat. Saya pernah terdengar bisikan budak kecik kepada ibu mereka "Nape orang Cina tu solat mak"
Saya tak geram dengan ayat budak kecil tu, saya geram dengan reply mak nya, "Dulu je dia Cina" dengan nada yang macam memperlekehkan.
Helo, if betul saya saudara baru, saya kecik hati tau.. Tak boleh ker bagi jawapan yang lebih bernas seperti "Dia bukan orang Cina, dia orang Islam dan dia sayangkan Allah, sebab tu dia solat"
Dilahirkan sebagai Islam tak bermakna kamu tu superior sangat dalam Islam. Bila saudara baru cuba nasihatkan sesuatu, jangan la dibalas dengan ayat, "Kau tu dulu kafir, macam kau tahu banyak sangat". Ustaz Ridwan Tee menangis bila bercerita tentang hal ini.
Nauzubillah himinzalik, minta Allah jauhkan dugaan ini kepada saya dan anak cucu cicit saya. Tapi saya geram la tengok orang2 Melayu yang letak Religion = "Muslim" dalam FB die tapi dengan bangganya dalam album ada gambar tengah minum beer. Ko nak buat taik, ko buat sorang la, jangan babitkan agama tu sendiri.
Dah banyak negara2 Islam yang Allah jatuhkan bala. Tak mustahil suatu hari nanti adalah Malaysia. Bacalah qunut nazilah supaya dijauhkan bala kepada kita.
~Saya tak pandai agama. Cuma meluahkan apa yang saya rasa, apa yang saya tahu.
Wednesday, 11 March 2009
"Saya kurus"
"Udah2 la tu cakap diri ko tu gemok Yaya.. If ko gemok, aku ni ape, obese"Oops, sori geng. Bukan niat saya nak menyinggung perasaan sesiapa. Tapi memang ternyata lemak tepu semakin bertambah. Mungkin saya terpengaruh dengan satu insan ini yang mana saya tak sangka akan jadi BFF masa DPA kerana pada awalnya berlaku sedikit perselisihan faham masa Modul Ekonomi dan OBS telah menyatukan kami.
Minah ni kan, walaupun dia slim cantik, dia masih obsess dengan berat badan dia. Tahu tak dia ni sentiasa buat sit-up before tidur and masa tengok TV, burger dia plain tanpa mayonis (Mayo itu umpama kuman E.coli bagi nya), kalau dia tahu dia akan makan banyak, dia akan skip meal beforehand, masa kat DPA dia tak kisah pegi jogging sorang2 and sangat suka pergi swimming.
Saya suka dia.. Bila die cakap saya dah naik badan, straight bila balik rumah, saya akan buat exercise gila2 punya. Ayat die memang tajam menikam tapi saya masih suka kawan dengan dia. Orang cakap die sombong and sentiasa speaking memanjang, tapi saya tahu hati dia baik and jarang2 sangat dia badmouthed about other people.
Then, dia sekarang housemate dengan sorang minah ni yang memang giler2. Sokmo cakap aku da gemok. Dia ni kiut2 je saiz nya. Bubbly and friendly. sumorang die boleh geng and couldnt care less about people. Dia ni suka makan tapi housemate dia suka exercise. At 1st die cakap agak stress sebab bila die tengah makan, sorang ni tengah buat sit-up. Dah lame2, dah jadi immune. Namun, masih tak dapat nak mempengaruhi sorang itu untuk makan banyak.
Jika nak kira pada umur, mereka baya kakak saya (no offense). Tapi umur tak menjadi penghalang untuk 3 orang berkawan baik kan asalkan sehati-sejiwa?

~Jutt, agak2 kalau kita bertiga serumah, boleh ke kita influence Noni to eat like us? hehe
Monday, 9 March 2009
Sambutan Maulidur Rasul Kebangsaan 1430H
Today was the 2nd time celebrating something at national level. The 1st time was Merdeka Celebration. The weather was gloomy and it rained till afternoon. Then we saw Akmal which we ended up taking pictures and more pictures.




Seorang selebriti lelaki yang currently sedang kecoh dengan kisah penceraian dia juga ada di Dataran. Datang berbaju Melayu tetapi pakai rantai silver besar di leher. Hmmpphhhh..
Sunday, 8 March 2009
Ooopss..
We were very fortunate that we came today because J*sco was giving RM10 voucher for every RM100 purchase on make-up and cosmetic. I bought the perfume set for both of us and I bought the handbag which I can't wait to use it.. (Sabar, lagi 5 bulan boleh pakai..)
The salesperson at the perfume counter commented that Ma and I are like friends rather that mother and daughter relationship base from the conversation we had with ourselves. Ah, ayat pancing..
Yes we are =)
Saturday, 7 March 2009
Shopping
I tried this Pierre Cardin peep-toed heels.. So beautiful and very comfortable.. Pure leather.. I always bought those cheap PVC shoes which they ended up chap all over after quite some time.. And I think, once in a while, I should treat myself with something a bit more expensive, shouldn't I? Marmalade said this is the time to spend for the sake of the country's economic growth =) Mr.Joe said he'll buy that for the hantaran but he'll keep it until our wedding day. He said he cant trust myself for I might wear it before the wedding.. hehe.. Since I forgot to bring the Jusco card, we'll come again next week.
I still can't decide what kind of bag I want for the hantaran. But I know I dont want PVC anymore. Leather is worth buying. I am now wearing Ma's Bonia to work which she bought almost 30 years ago. It still looks new.. Kagum sebab beg tu still intact.. Ma pun bangga her daughter is wearing her bag =)
We went to watch Curious Case of Benjamin Button earlier. It's worth spending 3 hours in the cinema. I learned a lot from the movie. So glad I went to watch it with Mr.Joe.. One thing good about him is, he never once said anything bad about the movies I chose. I can be selfish and chose chick flicks everytime it's my turn to choose, but since he is so charming, I don't mind watching what he desires and he did the same to me.
Today is March 7.. InsyaAllah, 5months from now, I will be Mrs. Joe =)
We parted less than 2 hours ago, and I already miss him.. heee
Friday, 6 March 2009
Tuesday, 3 March 2009
It's finally over..
Ni jerla satu2nye gamba yang ada.. Betapa panjangnye leher die.. Look at mine.. Macam kura2..
However.....Mr.Joe had to leave early.. I was a bit frustrated and so did he.. I didn't blame him though.. I know how he loves gathering around all his friends, laughing at stupid jokes, making fun of each other and interfering in all the pictures.. But he had urgent matters.. He must've felt the same frustration as I am, so I was not making a big fuss about it.. I have my Ma and Pa.. They were so sporting, they even agreed to go back to Planery Hall and we took pictures on the stage along with Noni and Jutt, my 2 besties..
Anyway, tahniah abang sebab grad cemerlang.. Abg Ali must be so proud..ehehehe
Well, I took a token of remembrance of DPA's Convo.. Since Joe can't be there to take pictures with me, so I'll bring it to him.. Nanti kami pakai No.1 Dress semula and jadikan ini sebagai latar.. Ampun ya UDPA.. Korang buang jugak nanti kan?? If korang nak balik, nanti saya bagi balik..
Panjang umo, kita jumpa lagi ramai2 ye kawan2..
~Hadi, nanti email eh gambar yang ko ambik with your new camera pagi tadi..
Thursday, 26 February 2009
Parlimen semakin panas..
I've been at the Parlimen for 5 times witnessing all these people talking crap..
Pembangkang or Kerajaan, they are just the same..
I support MP Pasir Mas.. hehehe
~I guess, "Celaka" will be a popular word soon..
Thursday, 19 February 2009
Have you check your savings amount lately?
Surveys: Malaysians Not Saving Enough by Leong Hung Yee (The Star)Do your budget and stick to it.. It always works for me.. Whenever I jot down every expenses and found that I already spent so much, I started to cut down on everything so that my expenses are always within the budget I've allocated..
KUALA LUMPUR: Malaysians are not saving enough and they are not prepared to face a financial meltdown should they lose their job or be retrenched.
According to the latest findings from Citi’s Financial Quotient (Fin-Q) 2008 survey, only two in five (39%) Malaysians actually save and less than one-in-three (28%) make and stick to a monthly budget.
Citibank Bhd head of segment and marketing, retail bank Timothy Johnson said the results from Malaysia show an average Fin-Q score of 51 points out of a possible 100 points, with 54% of Malaysians scoring 50 points and below.
A majority of Malaysians reported in the survey saved up to 20% of their monthly income - excluding the 11% in the Employees’ Provident Fund - and 12% said they do not save anything at all.
In the event of a job loss but with continued regular expenses, one-in-five indicated their savings would last for only four weeks.On average, Malaysians reported having 11 weeks of savings in reserve,“Against the backdrop of the current challenging economic environment, these findings are quite worrying,” Johnson said in a briefing yesterday.
He said although the Fin-Q scores in seven of the 11 subject areas have shown improvement, it was not.“We believe that a lot more needs to be done to ensure Malaysians are truly financially savvy as the detailed survey results revealed that there is still room for improvement,” he added.
The Citi Fin-Q survey comprised 500 online interviews of 40 questions each, rolled out to determine the level of understanding among Malaysians about their personal finances and financial practices. The survey was conducted from Oct 15 -30.
Johnson said more Malaysians were taking an interest in their finances and the recent economic crisis had made saving for emergencies an important element for them.According to the survey, 56% are somewhat better off now than they were a year ago. Nevertheless, 37% were worried about their financial future. While 86% of Malaysians attempt to follow a budget, less than one-in-three (28) actually stick to the budget.
The Fin-Q also revealed that 30% Malaysians indicated they would “know exactly” and 60% have a “good idea” what to do if they were given six months salary to invest. There was also a 6% increase in the number of Malaysians who have a formal retirement plan and 56% are confident or somewhat confident that their savings will lead to a comfortable life in retirement.
Asked how much would be needed for retirement, Johnson said it was very subjective. He said the answer required thorough thinking and planing as the amount of money you need in retirement had a direct correlation to the style of living you wish to have.
“If you want to retire in Bahamas, you will need a bigger amount compared to living in a house in suburban area,” he said, adding that to gauge the figure, one should look at the current expenses and estimate how they might at retirement.
Johnson also pointed out a fascinating finding in the survey. He said 35% Malaysians believed that money can buy happiness.He said the Fin-Q was a snapshot of our current level of financial literacy and what we all need to do to better control our finances. Malaysians needed to be disciplined and have good financial management to ensure enough savings, he said.“I believe Malaysians should provide additional focus on developing and enhancing their level of financial literacy, more so given the current challenging environment.”
Life won't be as easy as it is now.. Scholarship won't be that easy to get unless you are super excellent..Prices for food and other domestic things will never be reduced.. You have a family to support and your children's future education.. It's time to plan ahead..
So, window shopping is not good. It'll make you crave for EVERYTHING..
No shoes for me till the one I'm using now cant no longer be fixed, glued or sewed..
Wednesday, 18 February 2009
The extraordinary..
I did watch it a few years back during my trip to USM Penang
attending the Food Tech Seminar..
I wasn't concentrating much on the movie that time..
Anyway, I like the movie..
The dancing thing was great..
Richard Gere can really dance..
Well, I realized that life is not just by doing the ordinary things..
(My English sucks)
You have to move your butt and get yourself to do something you never did before..
A year ago, I packed my stuff for a 6 month course which consists of
military training, fireman training, police training, and Outward Bound School..
Honestly speaking, I never went for camping my whole 23 years..
Not even at the back of my school..
Papa was a bit protective about all this outdoor thing..
I was not allowed to join martial art society because he feared that
I may broke my bones during the training..
I hate the beach..
I hate jungle tracking..
I hate everything about outdoor activities..
I get myself comfortable staying at home watching TV or reading books or doing jigsaw puzzles..
pretty lame and very geeky..
The only games which I'm good at is Chess and a bit of Netball
and represented the school in 100m sprint..
The 1st time I went to KL by myself was when I was 16 to attend tuition classes at Kasturi..
Needed to go back home straight away..
Pa went for OBS when he attended RMC in year '67..
He did a full 25 day course..
The trainer during his time was a mat saleh which was old but very fit he said..
3days n 2 nights on every activity..
Imagine doing 3days 2 nights of solo camping??
Pa and Ma was very worried when I was going for OBS..
Oh yes, their last daughter, very petite and fragile..
sikit2 migraine, muntah2.. sakit lutut lah, gout lah..
Anyway, I did fine during OBS..
I didn't even puke once when I was canoeing the Pangkor Island..
Papa Fauzi was my canoe partner and he can be the witness..
I whaled to and fro..
I didn't bath during all the camping nights..
I climbed the 4 puncak and went back to OBML through a different route which was the highest peak carrying at least 5kg of weight on my back..
I went back from OBS feeling very fresh.. I did all those things which I thought I would never give a damn of doing in my life..
For some people, it may be something simple..
But for me, it was very, very extraordinary after all these years being cooped up in the house..
Pakai seluar koyak kat kangkang then meniarap atas semak dalam hutan jam 12 tengah malam memegang M16 loaded with blank bullets menunggu musuh tiba masa mlm ambush?
Nah, I've done that..
McDonald's wins..
And this may one of the reasons...
Monday, 16 February 2009
Mana nih..
I know it's still so early, some may arrive just before 8.30 and haven't checked their emails yet.. The meeting is this afternoon and there'll be a perjumpaan with the new T**** at 9.00 am.. I hope there'll sent me the maklumbalas..
I slept at 2 last night. Still feeling drowsy from the lack of sleep.. I arrived at 7.31am, drove like a madwoman.. Oh, yeah, coffee is a must this morning or I may doze off during the amanat thing or during the meeting.. I hope the perjumpaan won't drag until later than 12..
Pray for me people that everything will run smoothly this afternoon..
~Rasa nak EL je esok.. The last 2 weeks were tiring..
Sunday, 15 February 2009
Benda murah yang tak bagus..
Anyway, saya telah membeli mouse laptop saya yang berharga paling murah kat rak kedai tu. Bro Pian cakap, kalau tak memerlukan kerja2 grafik, beli mouse murah pun dah cukup. So, I took his word on it. Mouse tu cute yang sengaja dibuat menyerupai tikus, ada mata kat tempat click and warna putih biru. Wayar boleh dilaras sebab bila guna laptop, tak la mengganggu dengan wayar2 tu. Tapi apalah rezeki yang sikit, mouse itu dah mula mengong and laptop asyik2 tak boleh recognized.
Lebih menggeramkan bila kita nak buat kerja cepat and mouse pulak buat hal. Rasanya macam wire dia dah loose sebab bila goncang2 kat wayar tu, elok sekejap. Tapi takat mana la sanggup asyik nak goncang wire tu.
Saya rasa, saya dah buat kerja2 surveyance yang terperinci apabila membeli barang. Barang yang mula nak habis stok macam eyeliner, compact powder, lipstick or facial wash, dah dibuat survey harga 2 bulan sebelum dijangka habis. Seperti satu kepuasan bila dapat beli barang dengan harga yang lebih murah kan? Tapi kadang2 bila terkena beli barang mahal or barang yang murah rosak cepat ni, saya amik kira sebagai takde rezeki. If tak hilang kat situ, akan hilang di tempat lain.
Bila nak masuk dunia berumahtangga, lagi banyak barang nak hafal harga. Saya ingat lagi Sis Yanti ada 1 buku yang ada senarai harga normal barang2 rumah untuk dibuat panduan bila shopping. Cadangan yang baik. Tak perlu besar. Saiz buku tiga 5 tu dah cukup dan boleh letak dalam handbag.
Apabila orang cakap yang duit itu tak boleh memberi kebahagian, saya kurang setuju. Tanpa duit juga tak boleh bahagia. Hidup berasaskan cinta dan kasih sayang tanpa duit, boleh bahagia ker? Ibu dan ayah hidup dalam stress sebab tak boleh menyediakan keperluan untuk anak2. Anak2 stress, cari kebahgiaan melalui cara yang salah.
Yer, harta dan duit itu juga ialah punca seorang menjadi jahat sebab sifat tamak. Teringat cerita gembala kambing zaman Rasulullah yang hidupnya sederhana dengan jumlah kambing yang sedikit tetapi beliau taat solat jemaah setiap waktu di masjid. Tiap2 hari dia berdoa supaya bilangan kambingnya bertambah. Akhirnya Allah memakbulkan doanya. Kambing dah jadi banyak, beliau terlalu sibuk jaga kambing. Mula2 tak solat jemaah, lame2 tak solat langsung.
Ah, perkara camnilah yang paling kita takuti. Sebab itu la, orang berharta yang beriman adalah sebaik2 manusia sebab harta ini ialah dugaan yang besar dalam hidup kita. Saya tak minta untuk kemewahan. Cukup asal dapat memberikan keperluan asas dan keselesaan. Saya sangat percaya yang berjimat itu sangat penting. Berjimat yer, bukan sampai tahap kedekut.
Orang yang hadapi kesusahan, akan sentiasa ingat kepada Allah atas dugaan kesusahan yang dihadapinya. Oleh itu, saya rasa, Allah sengaja taknak bagi saya peha kecik walaupun saya dah berdiet dan exercise gile2 punya. Mungkin sebab bile peha saya dah kecik, saya akan pakai seluar ketat..hehehe

