hari raya korban...2011

Tahun ni ada lah tahun kedua aku berhari raya dikediaman ku sendiri..tak balik kampung seperti biasa.kira ok lah beraya bersama keluarga sendiri..baru kita tahu berapa badget yang perlu dikeluar kan...tidak seperti biasa,balik kampung semua mak ayah,family yang tinggal dikampong yang sedia kan.Bila sendiri yang keluarkan baget baru kita sedar bahawa setakat rm200 duit raya untuk mak ayah sebenarnya memang tak cukup,kerana untuk support semua anak cucu yang balik raya kat kampung tu sekurang2nya mereka habis paling kurang pun $500...so moral nya kalau balik kampong sediakan lah badget secukup nya untuk persediaan sambutan tu.semoga sama2 gembira dan tiada unkit mengungkit sesama saudara mara,adik beradik kita....perkara yang jarang org fikirkan tetapi memang kena difikir2kan.

Badget kasar untuk sesuatu perayaan/family.

1.ayam>>>>10 ekor =15kilox$7.50=120.00
2.daging.>5kg =5kgx$24.00 =124.00
3.beras >1beg =10kg =45.00
4.bahan masakkan/sayuran =100.00
5.total =389.00

ini row metarial jer..belum yang lain2..


=

Peringatan untuk org yang kerja makan gaji...

Keadaan didunia ni kekadang tu pelik..mana tak peliknye,ada org bergelar datok,berpangkat besar dah tentu lah gaji pun besar dan wang masyuk pun banyak.,tetiba jer masuk mahkamah atas kes rasuah,salah guna kuasa dan ada juga atas kes muflis...tetapi jarang kita dengar org kampung atau org berpendapatan rendah muflis dan jauh sekali kena tuduh mkan rasuah..sebenarnya apa yang membezakan diantara dua gulungan ni..ni semua tak lain tak bukan adalah kerana pengurusan perbelanjaan ada gaya hidup.org kaya dgn gaya hidup mewah nya..org kampong dgn keserdahanaannye dan orang makan gaji lain pulak gaya nye.Gaji besar ,kereta besar,rumah besar dan tanpa disedari hutang mereka pun besar juga...kad kredit penuh dlm purse.cukup bulan gaji yang besar tu pun diagih kan ke bank2 yang besar2 juga lah.Buktinye setiap awal bulan pergi lah perhatikan bank2 dan machine2 deposite wang dipersekitaran kita..ramai orang beratur panjang untuk mengagih-agihkan wang gaji mereka.tapi suasana ini cuma berlaku dalam minggu pertama setiap bulan sahaja.Selepas itu masing2 akan balik seperti bulan2 yang lalu juga,berbelanje guna semula kad kredit yang baru saja dibayar.isi minyak kereta pun kad kredit juga.dan yang lebih parah lagi ambil cash advance dan bayar hutang yang lain pulak...itu lah padah nya kalau makan gaji dan tak tahu nak menguruskannya mengikut keperluan yang sepatut nye.Ilmu pengurusan wang gaji anda tak pernah diajar dimana2 tetapi ada insan yang sudi untuk membantu anda .Dengan perbelanjaan yang tak setinggi mana anda mungkin boleh mengubah pengurusan kewangan anda kearah yang jauh lebih baik.Dapatkan e-book yang benar2 berkualiti ini yang dihasilkan oleh insan yang dulunye pun macam kita juga.
Jangan tunggu lagi.Hanya ilmu yang bermunafaat sahaja yang akan mengubah cara hidup kita dan kalau kita dah ada ilmu apa salah nya kita panjang2kan kepada rakan2 kita.
pilihan ditangan kita..kita perlu dapat kan apa yang kita rasa perlu untuk kita.keperluan kita hanya kita saja yang tahu..bertindaklah jika dirasakan perlu..

Tak tertahan sebak didada..berlinangan airmata mengenangkan nasib mereka empat beradik ini.apa akan jadi pada mereka dimasa depan dan disaat ini juga bagai mana??terlalu complex untuk difikirkan.Insan sekecil ini telah hilang tempat bergantung..zalim sungguh manusia yang menyebabkan ibu mereka terbunuh akibat diragut dan menurut utusan malaysia dalam purse ibu mereka tu cuma ada rm2.00 untuk beli keropok bebudak tu..kaki ragut ni dah lah tak ada pelajaran,malas,nak berlagak macam org kaya..tu yang tak kira siapa janji dapat duit..dgn perempuan,ibu mengandung ,org tua pun mereka sanggup laku kan.kalau lah dapat ditangkap si peragut yang menyebabkan kematian si ibu itu,hukuman yang berat adalah paling layak untuk mereka..Sebagai manusia dan masyarakat yang perihatin pertolongan harus diberikan kepada mereka.org yang berkerja dgn pusat zakat,jabatan agama,pemimpin2 masyarakat mesti berbuat sesuatu demi kesejahteraan dan masa depan insan2 malang ini..Semoga allah mencucuri rahmat kepada roh si ibu dan dgn pertolong allah jua lah didoakan agar insan2 ini sentiasa didalam limpah kurnia dan lindungannya.Aminnnn

p.s kepada sesiapa yang ada info lengkap mengenai keluarga ini sila lah hebah2 kan semoga kita sama2 dapat tolong mereka.

Tips on Managing Credit Cards

“Do I know how to use a credit card? What a silly question! Of course I do. You just hand it to the cashier whenever you want to buy something and sign the receipt (sometimes you don’t even need to sign, just wave & go!). Make the minimum payment and you can get lots of free credit. And don't worry if you max out your limit. The company will probably raise your limit, and you are likely to get more offers for more cards than you can possibly use.”
Does this sound familiar? It should. It's the approach millions have taken when using those little plastic cards that make purchasing items so simple and easy. However, this common financial practice costs many families dearly. With prices of goods and services going up while income remains relatively flat, more and more Malaysians are forced to spend beyond their earnings. Credit card debt is perhaps the most visible symptom of a bigger problem.


Facts on Credit Card
First of all, let’s try to understand how this wonderful plastic card works. It provides you with a line of credit, which is the maximum you can charge to the card. As you make purchases, the available credit line decreases. When you receive your monthly statement, you have the flexibility to either pay off the whole amount, or pay only the minimum amount due (which is strongly not encouraged). When monthly payments are made to the card issuing bank, the amount of credit line available is then restored. However, many consumers typically pay only the interest and a bare-minimum amount of principal and thus never fully repay the entire sum.

The Spending Trap
How do people find themselves caught in such circumstances? For many young people, running up debt begins innocently enough. Upon entering college, a lot of these college students are given that little plastic card, “subbed” from their parents’ credit cards. Oh, there are just so many things that they “need” to buy (for e.g. a new pair of branded shoes & clothes, i-Pods, a cool bag & matching accessories etc.) and just too many parties & clubbing sessions that they “need” to attend! Calling their folks for extra money every now and then is just too much hassle (and ”waste’ of money for the cost of phone calls). It’s so much easier to just – Charge It!

With the implied promise of high-paying jobs in the near future, many students enter the credit world thinking their debt will disappear as quickly as it was acquired—in just a few years after graduation. Regrettably, most graduating students find reality to be much different from their naive expectations. Continuing to charge more than they can comfortably repay, many find themselves in a spending trap, in which rising debt matches or exceeds rising incomes.

Young people, of course, are not the only ones caught in such financial circumstances. Many adults have likewise given in to the allure of easy credit. Advertisers tell us we "deserve" their new and improved products—and most of us willingly believe them. The desire to enjoy life to the fullest with the latest entertainment, clothes and gadgets can be irresistible. People can also be sucked into the vortex of credit card debt via unemployment. If one has no savings, adding debt to one's credit cards is often the quickest way to cover basic living expenses. But, then, when they do secure a new job, many find their credit cards at maximum limit, and repayment schedules become a severe burden.

Although most of us don't like to consider negative possibilities, we cannot avoid financial disasters by simply ignoring reality. Economic downturns inevitably push more people to the edge of financial disaster. Only those who have taken precautions or avoided precarious situations survive. What can you do to avoid becoming a sad statistic?

How to Pay Off Credit Card Debt
If you find yourself making interest payments every month on your credit cards and want to eliminate that kind of debt, the first step is to assess your income and expenses. Total your monthly expenses and subtract them from your income. This is your disposable income after expenses, and also the amount you have each month to use as you determine.

The next step is to stop charging items on your credit cards. Freeze the usage of your card (place all your cards into an old ice-cream box, fill it with water and put it into the freezer!)Pay cash for items you must buy. Then analyze your creditcard debt. Determine which credit card issuers are charging you the highest rate of interest. You may be able to transfer balances from cards with higher rates to those offering lower rates (do read the fine prints if there are any hidden costs or terms.)

Next, rank the cards in order of the interest rate charged, and use your disposable income to completely pay off the card with the highest rate. Once that card is paid off, close the account and destroy the card. Then focus your attention on the next card, and continue doing the same until all of the debt on your cards has been completely paid off. Once your credit card debt is gone, you're much better off with only a few cards—not the dozen or more carried by so many people.

How to Use a Credit Card
After you've paid off all your creditcard debt, it's time to consider how such cards can be properly used. These are extremely convenient tools when used wisely. How do creditcardsavvy consumers use their cards?

The most important step in responsible creditcard use is to completely pay off the bill every month. Think of the credit card as using cash that is reserved each month for the items charged. With this method, no interest accrues and credit cards become legitimate plus helpful financial tools. They become our servants instead of the other way around.

While credit cards provide us with the added security and ease when shopping and travelling, we often misuse them. Take, for example, the habit of making only the 5% or RM50, whichever is higher, minimum payment each month. On a RM10,000 balance with a credit card charging 18%p.a., it would take 7 years and 3 months to pay off the amount owed. This is assuming that you do not add any more charges to your card (remember that it’s in the freezer?) Then imagine how fast you would run up your debts if you did this with several credit cards at the same time.

Here are some additional tips for handling credit cards wisely:

· Remember that a credit card is NOT the same as free money
· Keep only one or two cards, not the usual eight or nine
· Charge only what you can afford to pay back – avoid living beyond your means
· Shop around for the best interest rates, annual fees & service fees (preferably none)
· Pay off the debt each month, or at least pay more than the minimum
· Still have problems? Leave the cards at home or simply put them in the freezer!

Always remember that you should be using a credit card as a payment tool and not for credit. If you don’t know how to use it or can’t use it responsibly, then it’s probably better that you stop using it altogether.

SELAMAT MENYAMBUT HARI PEKERJA

Ini lah sebahagian insan yang di gelar pekerja..tak kira masa,pedapatan demi keluarga mereka semua terus mengharungi liku2 alam pekerjaan..tapi bila mereka tak diperlukan lagi akibat kemelesetan ekonomi global maka perpisahan lah jawapan nya..dipisahkan oleh majikan dgn sukerela atau pun org putih kata VSS,,dan sampai satu tahap yg lebih teruk lg diberhentikan secara paksa.sebab syrikat dah bungkus..Maka warga asing pun balik lah kampong..warga tempatan pun balik kampon gak tapi pas satu dua bulan mesti cari keje sebab hidup masih perlu diteruskan..kalau ada family banyak kos nak ditanggung...Tapi alhamdullillah syukur kerana kita hidup di malaysia.rezeki melimpah ruah..hendak atau tidak aje..kalau tak takkan warga asing sanggup bergolok bergadai dan ada yang bergadai nyawa untuk datang ke malaysia ni.walau pun ekonomi gawat masih ada peluang pekerjaan di sini.Maka bersyukur lah kita jadi rak yat malaysia walau pun dari segi politik nye agak gawat sedikit...,YALLAH YA TUHAN KU LINDUNGILAH NEGARA KU INI DAN SELURUH RAKYAT NYA DARI KESUSAHAN,KEPAYAHAN,WABAK PENYAKIT ,BALA BENCANA DAN KEGAWATAN BERTERUSAN...AMINNNNNNN

Balik kampong,,,,

EEmmm baru jer sampai dari kampung ni ..setelah mengharungi highway utara selatan selama 4 jam tanpa henti..kesian kereta aku,,terdera pulak dia hari ni..tak per esok aku bagi rehat,...Demi ibunda tercinta semua kesusahan dan halangan ditolak ketepi.Seminggu bersama ibu tersayang yang kini menjangkau usia 80th sudah cukup utk melupakan segala kekalutan dan permasaalahan di ibukota.Serangan stroke yang hampir melumpuhkan sebahagian badan nya seminggu lepas kini sudah hampir kembali normal .sudah boleh berbicara dan bergurau senda dgn cucu2 nye,amin ya rabbal alimin.syukur alham dulillah.terima kasih buat kakak dan abang ku yang bertindak segera dan tak lupa juga kapada rakan sekampong ku,seusia ku dan kebangggaan org kampong ku iaitu datuk dr kadir salleh diatas nasihatnya.
Utk pengetahuan semua ibu ku adalah mangsa stroke yang ketiga dalam famili ku selepah ayah ku dan abang ipar ku yang telah pulang kerahmatullah 10 tahun yang lalu..penyakit yamg amat digeruni oleh keluarga kami...dgn itu ibuku kini di jaga dgn cukup berhati2 oleh kakak ku yang telah berpengalaman menjaga suami nya dulu,oleh itu kami sentiasa sentiasa membantu apa yang termampu demi ibu kami yang tercinta dan sentiasa berharap semoga ia akan pulih seperti sebelum nye...AMINNNN