Lama Tak Update

Ermmm... dah lama sangat tak update blog ni....Busy sangat²...sekarang ni pun tgh busy...will update later yaaa.. :p

Investment strategies that cut risks, costs

By Noripah Kamso

If anything, most people are not saving near-ly enough for retirement, so the focus should be on saving more, not less.

ARE you one of the lucky few who has plenty of money to invest but worries about stock market volatility? Or maybe, like most people, you don’t have a lot of spare cash lying around to put in the market? In either situation, two strategies – ringgit-cost averaging and value averaging – could get your ringgit working for you with less risk and cost.

The basic idea behind ringgit-cost averaging is that instead of investing a sum of money all at once, you invest bit by bit regularly over a specific time. So, for example, if at the beginning of the year you have RM12,000 to invest in an equity unit trust fund, you may invest RM1,000 each month over the course of a year instead of investing it all at once.

This strategy helps you reduce risk because you’re ultimately buying a selection of stocks (via a diversified fund) at a variety of prices throughout the year, instead of buying all these shares at a single price.

Value averaging works a bit differently. You first figure out how much money you need to accumulate for a certain goal, such as retirement. Then, based on the annualised return you expect to earn on certain investments, you work out how much you must invest each month to achieve the goal.

Each method requires different efforts and yields different results.

The ringgit-cost averaging and value averaging strategies do not provide magical formulas that simultaneously boost gains and lower volatility. Neither of them will give you any real control over the returns you earn. The markets largely determine that.

These methods give you a disciplined framework for saving. In addition, these strategies may lower the volatility of your portfolio somewhat, and more importantly, help you sleep at night.


 

Ringgit Cost Averaging

Ringgit-cost averaging is good for people who get frightened when the market drops after they invested a lump sum in it. They will feel better spreading out their investment over the year because it means regularly investing a fixed sum regardless of which way the stock market is moving.

When prices are high, the monthly investment buys fewer units, and when prices are low, the same amount of money buys more units. Over time, you will probably wind up with more shares at lower prices than if you buy them all at once. This method reduces your average share cost and spreads your investment risk over time. By putting money in a little at a time, you don’t have to worry if the market is going up or down.

It is also simple to put this strategy into practice. Investors can do a simple standing order that transfers a monthly sum from their bank accounts into our unit trust funds. They can also obtain a CIMB Bank Credit Card through CIMB Wealth Advisors and conveniently charge their monthly investment on the card.

Value Averaging

Value averaging provides a much more systematic way of reaching a specified amount than regular ringgit-cost averaging. Since you are monitoring the value of your portfolio, you know right down to the ringgit whether you are on track and, if you are not, exactly what you need to do to get back on track.

For example, your goal is to accumulate RM500,000 over the next 20 years. If you believe you can earn an annualised return of eight per cent, then you would need to put away about RM875 a month. You can then chart your progress month by month towards that goal.

Here’s where the “value” part of value averaging comes in. Let’s say, at the end of the first year, instead of having the RM10,950 you should have to be on track toward your goal, a downturn in the markets leaves you with just RM10,000. That would mean that the next month, instead of investing your usual RM875, you would invest an additional RM950 to bring your portfolio’s value to where it should have been, to remain on track towards your goal.

In fact, you would go through this process each month. In months where you fall behind, you would add to the amount you invest each month. In months where your returns are higher than expected and your portfolio’s value gets beyond where it needs to be, you would scale back your monthly investment, or even possibly end up selling some units.

There are various ways to carry out this strategy. Instead of adjusting your investment amount each month, you could recalculate it every three or six months, even yearly. This is the essence of how value averaging works.

But like any system, value averaging has some drawbacks. If the market goes into a prolonged slump, or if you simply overestimate the potential return you can earn, you could end up having to make very large contributions to keep your account value on track. If you’re not able to make these higher contributions, you may have to abandon your plan, or create a new one.

It also requires more discipline and efforts than ringgit-cost averaging. You will need to actively monitor your portfolio and re-adjust the amount you invest accordingly, to reach your goal. Unless you are highly motivated, it is likely you would need a financial planner or an adviser to help keep you on track.

Value averaging also requires that when everyone else panics, not only must you remain calm and continue to purchase stocks, you must also invest in far larger amounts than in calmer times. This is precisely why value investing works better than ringgit-cost averaging: It forces investors to buy more unit trust funds when prices are low than when they are high, increasing overall potential returns, on average.

Comparing the Two

Ringgit-cost averaging forces investors to spend a fixed dollar amount at regular intervals on a particular investment or portfolio, regardless of the unit price and time horizon.

However, value averaging is more ideal for investors who want to achieve their goals within a specific time. It is a formula-based investment technique where a mathematical formula is used to guide how much is invested into a portfolio over time.

While ringgit-cost averaging still works well, value averaging continues to outperform by producing generally higher potential returns.

According to Michael Edleson, author of Value Averaging, “Value averaging is about as close to ‘buy low, sell high’ as you can get without a crystal ball.” I encourage you to read this book if you wish to find out how to put value averaging into practice.

Conclusion

The main benefit of both methods is they provide a disciplined framework for saving and taking advantage of the power of compounding interest, which could lower your portfolio volatility.

If anything, most people are not saving near-ly enough for retirement, so the focus should be on saving more, not less. At the end of the day, the solution is to save as much as you reasonably can, regardless of what the market is doing. When you’re investing for long-term goals, your ultimate aim is to reach those goals. And the more you save, the better the odds of you attaining that goal.

Datuk Noripah Kamso is the chief executive officer of CIMB-Principal Asset Management Bhd

I Wanna Be a Billionaire..

Lyrics to Billionaire :

[Bruno Mars]
I wanna be a billionaire so fricking bad
Buy all of the things I never had
Uh, I wanna be on the cover of Forbes magazine
Smiling next to Oprah and the Queen

[Chorus]
Oh every time I close my eyes
I see my name in shining lights
A different city every night oh
I swear the world better prepare
For when I’m a billionaire
[Travis "Travie" McCoy]
Yeah I would have a show like Oprah
I would be the host of, everyday Christmas
Give Travie a wish list
I’d probably pull an Angelina and Brad Pitt
And adopt a bunch of babies that ain’t never had sh-t
Give away a few Mercedes like here lady have this
And last but not least grant somebody their last wish
Its been a couple months since I’ve single so
You can call me Travie Claus minus the Ho Ho
Get it, hehe, I’d probably visit where Katrina hit
And damn sure do a lot more than FEMA did
Yeah can’t forget about me stupid
Everywhere I go Imma have my own theme music


[Chorus]
Oh every time I close my eyes
I see my name in shining lights
A different city every night oh
I swear the world better prepare
For when I’m a billionaire
Oh oooh oh oooh for when I’m a Billionaire
Oh oooh oh oooh for when I’m a Billionaire

[Travis "Travie" McCoy]
I’ll be playing basketball with the President
Dunking on his delegates
Then I’ll compliment him on his political etiquette
Toss a couple milli in the air just for the heck of it
But keep the fives, twentys (?) completely separate
And yeah I’ll be in a whole new tax bracket
We in recession but let me take a crack at it
I’ll probably take whatevers left and just split it up
So everybody that I love can have a couple bucks
And not a single tummy around me would know what hungry was
Eating good sleeping soundly
I know we all have a similar dream
Go in your pocket pull out your wallet
And put it in the air and sing

[Bruno Mars]
I wanna be a billionaire so fricking bad
Buy all of the things I never had
Uh, I wanna be on the cover of Forbes magazine
Smiling next to Oprah and the Queen
[Chorus]
I wanna be a billionaire so frickin bad!

Hahahahha..ada nampak macam mata duitan tak ? Tak salahkan nak simpan angan² nak jadik billionaire ? banyaakkk sangat angan² yang belum jadi kenyataan.....Amy..kuatkan semangatt!!

Rajin usaha + jangan give up !!

ps:-Incik Suami doakan untuk sy ye...!! (kalau Cik Ebby boleh baca...Cik Ebby pun doakan untuk mama tauu!)

Formula for a Million Dollars

CNN Money discusses three easy steps to becoming a millionaire:

Step 1. Time: There is really no shortcut to getting rich. The sooner you begin saving and investing (steps # 2 and 3 below), the faster you get there. If you cannot begin soon enough, retire late – the idea is to give your money enough time to grow.


Step 2. Save: Money does not grow out of a vacuum. You need to start somewhere, and the more you save – by cutting spending, or increasing income, or both – the better.

Step 3. Invest: Locking away your money in a vault will lose its purchasing power to inflation over time. Putting it in a low-interest bank account is not enough either. You should have a smart investment plan, so the interest you earn outpaces inflation.

This just restates one of the most basic formulas of investing, as shown here. “S” is the money you have today, which comes from your saving (step #2). “I” is the annual interest your investing earns you (step #3), which must exceed inflation that typically averages 2.3%. “T” is the time in years (step #1). Raising any one of these three, preferably all of them together, will get you that first million dollars quicker.

Credit : here

Doa Panjang Jodoh - Dedicated untuk diriku & suami

Dengan nama Allah Yang Maha Pengasih lagi Maha Penyayang……

Ya Allah…
Seandainya telah Engkau catatkan…
Dia milikku, tercipta buatku…
Satukanlah hatinya dengan hatiku…
Titipkanlah kebahagiaan antara kami…
Kukuhkanlah ukhwah Islamiyah kami…
Agar kemesraan itu abadi…

Ya Allah…
Ya Tuhanku yang Maha Mengasihi…
Seiringkanlah kami melayari hidup ini…
Ke tepian yang sejahtera dan abadi…
Istiqamahkanlah kami ya Allah…
Demi meneruskan perjuangan kami dalam medan dakwah yang penuh cabaran ini…
Jika ikatan yang Engkau tentukan ini…
Adalah satu pemangkin bagi kami…
Untuk menyambung rangkaian mata-mata rantai…
Penerus perjuangan yang tidak akan terhenti ini…
Maka jodohkanlah kami…
Moga putra-putri kami bisa menjadi muslimin dan muslimat…
Pendokong jamaah…
Penggerak gerakan Islamiyah…

Tetapi ya Allah…
Seandainya telah Engkau takdirkan…
Dia bukan milikku…
Bawalah dia jauh dari pandanganku…
Luputkanlah dia dari ingatanku…
Dan peliharakanlah aku dari kekecewaan…
Jika aku gagal menagkis kekecewaan itu…
Pelihara dan mantapkankanlah imanku…
Moga kekecewaan itu tidak menggugat gerak kerja Jamaahku…

Ya Allah ya Tuhanku yang Maha Mengerti…
Berikanlah aku kekuatan…
Menolak bayangannya jauh ke dada langit…
Hilang bersama senja yang merah…
Agarku sentiasa tenang…
Walaupun tanpa bersama dengannya…

Ya Allah yang tercinta…
Pasrahkan aku dengan takdir-Mu…
Aku redha dengan segala ketentuan dari-Mu…
Inilah ujian pentarbiyahan buatku…
Sesungguhkan apa yang telah Engkau takdirkan…
Adalah yang terbaik untukku…
Sesungguhnya Engkau Maha Mengetahui…
Segala yang terbaik buat hamba-Mu ini…

Ya Allah…
Cukuplah Engkau sahaja yang menjadi pemeliharaanku…
Di dunia dan akhirat…
Dengarkanlah rintihan dari hamba-Mu yang daif ini…
Janganlah engkau biarkan aku sendirian…
Di dunia ini mahupun di akhirat…
Menjuruskan aku ke arah kemaksiatan dan kemungkaran…
Maka kurniakanlah aku seorang pasangan sefikrah yang beriman…
Agar aku dan dia sama-sama dapat membina kesejahteraan hidup…
Sama-sama dapat terus bergerak di dalam Jamaah Islam…
Andainya sudah ditakdirkan buatku…
Pendokong Jemaah bukan jodohku…
Mantapkanlah tarbiyahku…
Agar aku mampu membawanya bersama melalui liku perjuangan ini…
Sama-sama berusaha mendaulatkan Islam…
Ke jalan yang Engkau redhai…
Dan kurniakanlah padaku keturunan soleh dan solehah…
Yang pastinya menjadi aset utama penegak syiar agama-Mu…

Ya Allah …
Redhakanlah perjuangan kami…
Berikanlah kami kebahagiaan di dunia dan akhirat…
Dan peliharakanlah kami dari azab api Neraka…

Ameen…ameen Ya Rabbal a’lameen

Hi February!!

It's almost a week from my previous post..hehehehehe

Bulan February dah rupenye!!!

Kalau nak di ikutkan history...banyak benda jadi dalam bulan  February every year..Good things...and Bad things...

So...yang paling aku nak ingat..Good Things je...hehehehe (banyak dah lupa sebenarnya..)

Tapi  yang paaaaling aku ingat...Somewhere February 2000... aku secara officially kenal sorang 'mamat IRC'...huhuhu..tarikhnya memang aku tak ingat...tapi yang pasti bulan February..Sebelum ni pernah chat dgn mamat ni .. dia pakai nickname 'SoloR|der' @  'I||usionServ'  and aku plak pakai ni 'Rafeah^Kayo' (glamer tak nick aku ni?.. :p )..it was somewhere in mid of 1999 ... dulu main chatting² ni...xde webcam² gala bagai mcm skrg...kalo x silap masa tu still pakai disket nipis hitam @ disket 4 segi kecik tu...so..nak simpan gambar yang dah di scan(ni pun rare usage jugak) memang tak muat langsung... so..disebabkan tak pernah jumpa & tak kenal...jadi aku ni tak tau la nak imagine macamana rupa dia... huhuhu ... dan aku ni jenis paaaaaaaliiingg tak suka jumpa² bebudak chatters ni... rasa cam ape jek... 

Some info pasal owner nick  'SoloR|der' @  'I||usionServ'... kalo tengok whois dia kat channel mIRC .. dia ada banyak tanda '@' huhuhuhuhu...kalo sesapa yg addicted into mIRC ..diorang akan tau la that signage is for what...SOP / AOP..aku tak tau sangat pasal benda² tu.. aku yang masa tu ala² bendul macam dok kagum la jugak apsal la mamat ni punyaaaa la banyakkk tanda tu...hahahahahhaha..sengal kann?? macam powerr je... tp still aku buat dunno je...  yang aku tauu.. "WOWW!! tere la mamat ni pasal komputer semua ni..." wahahahahhaa ...ada la chat dengan dia 2-3 kali rasanya... tapi cam biasa...mamat ni mengayat ajak jumpa²...makan².... tapi masa tu aku tak layan..sebab...

1) aku tak suka jumpa ala ² blind date ni (w/pun sekadar makan²) ...

2)sedang mempunyai scandal okehh!! - (hehehehe..sorang baru abes study..sorang lagi di seberang..)

3)aku memang tak pernah langgggsuuunnnngg keluar ngedate berdua dengan lelaki lainn...(hehehhehe..klaka kan?? sesape yg pernah jadi ex-boyfie aku tau la...cukup setakat kat telefon & surat...medium lepas rindu dendam kesumatt..kalau nak jumpa jugak...kena bawak gerombolan umat ikut sekali..)

4)Mamat yang ajak aku keluar ni ada motor je la pulak...laggiiii laa aku tanak keluar...(niat dari dulu dalam hati...nak naik moto & dating berdua²an dengan future husband je..baik kan aku ni?? )

Sebenarnya panjang cerita pasal macamana boleh kitorang 1st meet-up...huhuhuhu.. semuanya pasal 'kemarau poket student' ...keh keh keh...(aku skip cerita pasal ni ye..panjang sangat nak cerita pasal ni) ... 

Dan akhirnyaaaaaaa...tak tau kenapa dan mengapa dah apakah yang telah terjadi.....aku telah keluar ngedate dengan mamat ni jugakkkkkkk.....ngedate berdua²an ok!!! kat kedai makan (tak tau nama ape ) kat Gelugor,Penang.. and it was also my first time ever riding a bike with a guyy!!!!! waaaaahhh......menggeletar & menggigil satu badann tauuuu...ketaq tangan...ketaq lutut...rasa nak meletup dada pun ada...semua rasa ada.... dan semua nya jadik bulan February 2000(serius aku tak ingat exact date)..wohoooo!!! 

Actually sebenarnya tak sangka yang aku boleh bercouple dengan dia ni..tapi tu la...jodoh kann...dari kenal kat internet...couple...tunang & sekarang dah jadi husband & bapak kpd anak dara aku... semua ini aku terima & aku redha.. kerana Dia telah rencanakan perjalanan yang  di dunia ni untuk aku bersama dia.. dan InshaAllah.. perjalanan yang hakiki di akhirat nanti juga .. amin........

Jadi, secara personally, aku sambut sebulan dalam February sebagai hari anniversary perkenalan aku dengan dia...sebab aku tak ingat exact date... and it's already 12 YEARS Dear!!! Happy Anniversary to US! 

Love You More every seconds , minutes & day..

"diberi kegembiraan , diberi sedikit ujian..."
"orang yang berjuang selalu diuji, dan untuk berjuang kena ada pengorbanan"...

Careless Whisper

I feel so unsure
As I take your hand and lead you to the dance floor
As the music dies something in your eyes
Calls to mind a silver screen and all its sad goodbyes

I'm never gonna dance again
Guilty feet have got no rhythm
Though it's easy to pretend
I know you're not a fool

I should have known better than to cheat a friend
And waste a chance that I'd been given
So I'm never gonna dance again
The way I danced with you

Time can never mend
The careless whispers of a good friend
To the heart and mind ignorance is kind
There's no comfort in the truth, pain is that all you'll find

I'm never gonna dance again
Guilty feet have got no rhythm
Though it's easy to pretend
I know you're not a fool

I should have known better than to cheat a friend
[. From: http://www.elyrics.net/read/g/george-michael-lyrics/careless-whisper-lyrics.html .]
And waste a chance that I'd been given
So I'm never gonna dance again
The way I danced with you

With or without your love

Tonight the music seems so loud
I wish that we could lose this crowd
Maybe it's better this way
We'd hurt each other with the things we want to say

We could have been so good together
We could have lived this dance forever
But now, who's gonna dance with me?
Please stay

I'm never gonna dance again
Guilty feet have got no rhythm
Though it's easy to pretend
I know you're not a fool

I should have known better than to cheat a friend
And waste a chance that I'd been given
So I'm never gonna dance again
The way I danced with you

(Now that you're gone)
Now that you're gone
(Now that you're gone)
Was what I did so wrong?
So wrong that you had to leave me alone?

PS :- Aku rasa sexyyyyyy bila dengar lagu ni..aww!!!

Gembira...Sedih....Semangat..

It's a long journey for me yesterday...Starting my day as early as 7.30(sy 'cuti' ye hari ni..) and end up at almost 10pm...

8.00 am - Memulakan usaha mengejutkan 'little boss -Cik Ebby'  untuk pergi ke cikulah...punya la ngelat nak bangunn...macam²  cara pujuk dia...at last bangun pun...

9.30 am - We drove to Cova Square,Kota Damansara...cikulah Cik Ebby kat situ..It was a SOHO actually..not a real 'physical school' ..the environment was nice...

11.00 pm - Bumped into aggravated incident at my home...ARGHH!!! it happened againn...and againn...and againnn...to make it clear & to make myself relieve...I told myself that it is enough....!!!  Ergghh!! I'm sick of it!!! (Sabarlah duhai hati......) 

 

aku nangis ada gaya camni tak?sian kan ??

12.00 pm - I'm late to fetch Cik Ebby from cikulah... Rushing to KD... & unluckily I was caught chatting on the phone by the Abang Polis Traffic yang bermisai...Pity me.... malang bertimpa²....actually lepas pujuk² x kena saman pun...(thanks abang polis) ..kalau tak melayang RM300 haku!

Continue my journey dengan hati yang laraaaaaa.........

1.00 pm - Hantar Cik Ebby ke Puchong - with her grandma ...mereka sedang mengecat rumah...

3.00 pm - Rushing ke UITM Shah Alam...nak kena key-in final marks untuk students...haissshhh...jauh menapak aku ni....

5.30 pm - Start my journey to Ampang...having my 1st training as CWA- (UTC - to - be ) ...A lot of positive input here...I'm inspired back!!! Go to hell for the sadness &  discourage ... I'm a new person..!!!

10.00 pm - Arrived home ... Migrain menyerang since petang tadi...Ni la yang slalu jadi bila  unexpected incident happened to me..ape lagi...ku carik ubat kesayangan..incik ponstan + air mineral sape la yg aku teguk.... turn-off all the lights ...gelap gulitap...pampering myself for about 1/2 hour...then my parents+cik ebby arrived from puchong too....ringan dah sikit kepala...

 11.00 pm - hati ada bengkak lagi ni...tapi aku percaya... Everything happened for a reason...hari ni...dia buat kat aku....mungkin satu hari nanti dia akan rasa ape yg aku rasa..aku ni jenis 'membalas'.. but for sure...aku takkan balas jenis jahat punya...aku ni 'membalas' mesti something yang memberi kepuasan kat jiwa ni pada tahap yg mempunyai impak maksima punyaa...Just Wait and See.....

Adios Amigos...Selamat Malam hati...

Gambar Fevret 2011-Part 2

Ni ada a few pictures taken yang gue jumpa di desktop pc...Enjoiceeee!!(pls take note,all these pictures are not in the correct date order)

Once upon a time at I-City-few years back actually...

Greeny.....

3 of Us..

Say Cheese.....!!!

Nomeinye sayang mama ni...

Ebby at playground - Park Avenue..

Ebby's buying her groceries...

Smileeeee!!!

Swimming?? Siap pakai socks? hihihihi

Berbuka puasa at Intai-Intai Restaurant..

Aunty & Niece...

haaaaaa....sekian saja update untuk malam ni...gue akan upload more pics next time ye....nite...

Kanching Recreational Forest

Hari ni cuti Raya Cina ..Public Holiday 2 hari...Encik suami ada ajak pergi mandi-manda kat Ulu Yam masa cuti ni since kitorang pun tak ada plan lain yang menarik...

Yang best nye...this is the first time ever he came out with this idea .. Gue dah request dari 12 tahun lepas nak mandi sungai okehhh!!! 12 tahun !!! bukan sehari...bukan sebulan..bukan setahun...tapi doblas tahunn!!  huhuhu...baru taun ni dia nak approve request aku...maybe dia busy sangat kot tu pasal lambat sangat nak approve...Pape pun...tq incik suami...mmg dah teringin nak pergi lama sangat dah ni...

Kami pergi ber-3 je ..Incik Suami..Gue .. & anak dara gue..Cik Ebby...eksaited ya ampunnn...suka sangat...tapi mandi kejap je...sebab masing² dah menggeletar + ramai sangat orang ..maybe sebab public holiday kot..

Disebabkan hanya kami je yg pergi..so..takde la snap gambo langsung...sbb kami takde cameraman/camerawoman...duduk bawah air terjun kecik je... Ramai jugak foreigner lain yang posing maut...tetiba rasa cam air terjun kat oversea plak..huhuhuhu

**Kalau nak tau info pasal Hutan Lipur Kanching (ermm..sebenarnya tak tau betul ke tak Ulu Yam ni..boleh tak?) boleh tgk kat sini yek..**

Ikhsan dari Encik Google...

Cik Ebby 1st Week at A.L.I.MKids Playschool

AlimKids Playschool-Kota Damansara

Ebby's 1st Day at school- Look at her face expression...seems excited kan? hihihihi

Ebby with her schoolmates...nxt to her is Teacher Hani...~She's a nice lady

Ebby's worksheet - At the top with the pink color-cantikkann??
worth the display on the wall : )

2nd Day at School - Ebby's brought along her SAM -green bear ..

3rd Day Activity - Balancing bean bag

Looks like they are having a good time :-D

Bean bag boogie with Teacher Hani

Bean bag on your back..

Collage activity-Ebby's

Lepas mencari²..survey² the best playschool untuk Cik Ebby, finally I've decided to choose ALIMKids PlaySchool Kota Damansara...sebenarnya agak jauh jugak dari rumah di Damansara Damai ke 'Cikulah' Cik Ebby...tapi...bila difikir²kan balik...& after all the incident happened to her at her previous TASKA at Seksyen 7,Shah Alam I believed I've made the right decision...

The class start on 16/01/2012 - 3 days/week 
The class was held every Monday, Tuesday & Friday.. 

The teachers - Ticer Fatin & Ticer Hani are lovely & the most important thing, they're using English as the medium language. For time being, only 3 students enrol to this class..heard from Ticer Fatin, there'll be newcomers in February...

So far...am satisfied with this school...Cik Ebby pun dah ada semangat nak pergi 'Cikulah' balik..Alhamdulillah...

Will continue later..

Mikirin....

Gue tengah mikirin apa yang gue nak buat sepanjang tahun ni... Ada few lists dalam kepala ni...

Tapi yang paling penting gue kena buat analysis pro & cons dulu...hmmm...banyak yg nak mikir ni...

PLANNING 2012..

1-Part time lecturer - amat la best kalo diorang pangge lagi.. :)

2-CIMB Wealth Advisor - kena goda dari 2 taun lepas  dek agent aku ...dah mula terpengaruh ni..any komen?

3-Run business - ada brand & label sendiri...(yang ni gue dah start survey dr 2 tahun lepas) tp smpi skrg still buntu..apakahh?

4-Carikan Playgroup untuk Cik Ebby Nur Aqilah-nak kena expose kan dak kecik ni dari skrg..aritu hantar g Taska...Ticer nye dah spoilkan dia...haissh!

***Kalau perasan...semua planning ni adalah part time basis..sebab ape ?? sebab gue nak manage masa gue sendiri...gue nak spend masa banyak dengan cik ebby & family tapi pada masa yg sama..gue nak income lebatt..hahahah..ada unsur mata duitan tak gue??  Takpe la...janji gue tak kaco orang...Adioss...***

I'm Back

wahh...banyak benda sebenarnya nak cite kat sini...hahahaha..seminggu larik balik kampung kat Manjung,Perak...rasa alahaii....mcm tak nak balik kl je...tp terpaksa balik jugak...sbb incik suami nak keje..huhuhu...sian dia kena tinggal lelama...

Gue nk list down dulu perkara best masa kat kampung aritu...nxt time bila ada masa free gue buat posting lain...

1- Family Gathering

2-Cik Ebby jumpa dentist

3-Naik Bas (Manjung ~ Lumut)

4-Ape lagi yek?

5-Lagik?

nantik gue tepek gambo berkaitan skalik ye... :)

New Year...!!

Selamat Tahun Baru...

Eksaited sikit arini sebab nak balik kampung kat Manjung..Yihaa!!! Awok ni dah lama tak balik kampung....rindu pulak kat kampung(umah kampung zaman skrg rumah batu-teres..xde dah rumah papan... ;p ) 
Iskk..jakun pulak rasanya...eksen orang bandar nak balik kampung la kununnya..huhuhuhu..

Yang paling best...The whole family ada!!! cukupp!! lengkapp!!
Slalunya mesti ter'miss' sorang...sorang kat kl....sorang keje offshore...2 org lagi student..susah nak dapatkan masa yg betul² cantik nak gather²...


***Incik suami jauh dimata...anaknya je la pengubat rindu (cewahh! :p)


***Nanti dah sampai kampung...aku nak snap gambo byk² :)