Lol... Hoh...i know that there is something wrong for my break disc..as i've experiende it with my waja.. Now have to dig a hole to pay RM490 for the break disc... Has told my mechanic - last 2 months, that he have to change my break...but i didn't specific for break disc.. Ye la mechanic mesti tahu semua kan..... Huh, katanya kereta x da problem!
Ni baru jer balik dr The Garden, bunyinya bila break so scarrrrrrrrrryyyyyyyyyyyy :{ dah agak dah mesti break disc..doa-doa jer masa bawak keta, tak ler disc tu...sebab dah experience benda yg sama kat keta waja jadi kita tahu lah apa nak buat...tak speeding masa driving...berhati-hati sungguh sambil mengucap panjang....hohoho...oh Ya Allah!
Plan hari ni nak potong rambut, nak colour rambut semuanya tak menjadi....dah tak de F.U.L.U.S lagi ler...nasib baik jugak tadi tak menghabiskan duit kat NiNe West..kalau tak..terpaksala menebalkan muka minta hubby bayar...
Oh Ya Allah ampunkan lah dosa hamba-Mu ini...Murahkanlah rezekiku, mengalir deras tak putus-putus, tak henti-henti...berikanlah kebahagian dan rahmat-Mu wahai Yang Maha Esa ke atas diriku, suamiku, kedua-dua anakandaku, kedua orang tuaku dan adik-beradikku...Amin....
Friday 14 December 2012
Maahad Tahfiz di Kuala Lumpur yang berdaftar
Bil.
Nama Institusi
Kerajaan / Swasta
Pengarah / Mudir / Pengetua
No. Tel
Email / Website
1.
Dar Al - Quran Wa Al - Hadith
2715, Jalan Permata 22
Taman Permata
53300 Kuala Lumpur
Us. Ismail b. Mina
Tel : 03 - 60642920
2.
Madrasah Bustanul Ulum
D/A Masjid Jamek Sri Petaling
Jalan Radin Anum
Kuala Lumpur
Hj. Saleh b. Sheikh Othman
3.
Institut Al -Quran Kuala Lumpur
4B, Jalan 3/71 B
Pinggir Taman Tun Dr. Ismail
Kuala Lumpur
Dr. Hassan b. Ali
Senarai Maahad Tahfiz di Selangor yang berdaftar
Bil.
Nama Institusi
Kerajaan / Swasta
Pengarah / Mudir / Pengetua
No. Tel
Email / Website
1.
Maahad Tahfiz Al -Quran Wal Qiraat
Lil Banin, Istana Alauddin
Bandar, 42700 Banting
Kuala Langat
Ustaz Towil b. Juraimi
Tel : 03 - 8502924
Fax : 03 - 8502932
2.
Maahad Tahfiz Al -Quran Wal- Qiraat
Lil Banat, Lot 4213, Jalan Klinik
Kampung Bukit Naga
42450 Klang
Hajjah Siti Muriseh bt. Md. Yatim
Tel : 03 - 3210014
3.
Maahad Tahfiz Kiblah
Lot 3690 - 1, Jalan Tok Dagang
Sungai Merab Jaya
43000 Bangi
Ainuddin b. Abdul Wahid
Tel : 03 - 8261317
4.
Maahad Tahfiz Darul Quran
No. 169, Kg. Sg. Buaya
48010 Rawang
Hj. Anuar b. Mahad
Tel : 03 - 6081002
5.
Maahad Tahfiz Al - Munawwarah
Kg. Kamansah Dalam
Hulu Klang
68000 Selangor
Dr. Jamaludin b. Muhamad
Tel : 012 - 2079252
6.
Maahad At - Tarbiah Al - Islamiah (Pondok Moden)
Pekan Pt. Baru
45100 Sg. Air Tawar
Sabak Bernam
Hj. Hassan Sazili b. Hj. Ahmad Shuhod
Tel : 03 - 8836984
7.
Maahad Tahfiz Al - Itqan
No. 20, Jalan Nirwana 12
Taman Nirwana
68000 Ampang
Hashimee b. Hashim
Tel : 03 - 9821445
8.
Institut Tahfiz Saba'
Lot 415, Off Jalan Besar
Kulau Kubu Bharu
Kerling,Mukim Kerling,H.Sel
Hj. Mohd. Isa b. Hj. Sarman
Tel : 03 - 7474000
9.
Akademik Tahfiz Al - Quran Wal Qiraat
No. 5-21, Jalan Salak Tinggi
1C/9, Medan 88
Bandar Baru Salak Tinggi
43900 Sepang
Hj. Mohd. Maarof b. Hj. Nasruni Al-Hafiz
Tel : 03 - 8463748
10.
Sekolah Tahfiz Qiraati Ain Lam Mim
No. 31, Jalan 2 (Belakang Surau )
Taman Kajang Baru
Sungai Jelok
43000 Kajang
Che Sam b. Ismail
Tel : 03 - 8371837
11.
Sekolah Tahfiz ABIM Al- Firdaus
Lot 1872, Batu 7
Jalan Meru
41050 Klang
Mohd. Asimoni b. Hj. Ehsan
12.
Madrasah Tahfiz Al Quran
D/A Surau Seksyen 3
43000 Shah Alam
Hj. Zaid b. Hj. Abdullah
Tel : 03 - 5501784
13.
Maahad An Nur Al - Islami Masjid Baroh,
Kg. Sg. Kanan
45000 Tanjung Karang
Hj. Sulaiman b. Hj. Salleh
Tel : 03 - 8792737
14.
Raudhah Tahfiz Al - Quran,Masjid Al-Ehsan Sg. Serai , Bt. 11
Jalan Hulu Langat
43100 Hulu Langat
Hj. Shaari b. Nasir
Tel : 03 - 9042907
15.
Maahad Tahfiz Al Quran Wa Ummudahi
Teluk Hj. Yusuf Baroh
45300 Sungai Besar
Hj. Jemari b. Ngarif
Tel : 03 - 8842849
16.
Maahad Tahfiz Ummul Qura
Kg. Teluk Mufrad
Sg. Air Tawar
45100 Sabak Bernam
Us. Mohd. Sharif b. Musa
Tel : 03 - 8836493
17.
Maahad Tahfiz Quran Wal Qiraat
Pusat Dakwah Islamiah
B.B. 206
45800 Jeram
Hj. Abd. Rahman b. Hj. Ibrahim
Tel : 03 - 8748912
18.
Sek. Agama Rakyat Tahfiz Al - Quran
Simpang 3, Loji Sg. Limau
45300 Sg. Besar
Hj. Nail b. Jiram
Tel : 03 - 8843280
19.
Martah Lil- Banat
Lot 4213 Jln Klinik,
Kg. Bukit Naga Seksyen 32
40000 Shah Alam
Tel: 03 -51610014
20.
Martah Lil- Banin
Istana Alauddin, Kg. Bandar
42700 Banting,
Kuala Langat
Tel: 03 – 312202924
21.
Maahad Tahfiz Muhammadiah
Bt. 5 1/2 , Panchang Bedena
45400 Sg. Besar
Mohamed Sulong bin Jamaluddin
Tel: 03 - 8842629
22.
Sek.Agama Tahfiz Al-Quran
Surau Simpang Tiga
45300 Sg. Besar
Musa bin Hj. Hassan
23.
Sek. Agama Men. Rakyat
Maahad Tahfiz Al-Quran Wal-Qiraat, Pusat Dakwah Islamiah
Bt.18 1/2, Jeram,
Beg Berkunci 206,
45800 Jeram
Hj.Mohd Amin bin Hj. Abdul Aziz
Tel: 03 - 8748912
24.
Madrasah Hafiz
No.2 Wisma Hafiz,
Jln Batu Tiga
41300 Klang
Mohd Hanefa bin Hussin
Tel: 03 - 3425872
25.
Maahad Tahfiz Nurul Iman
Surau Nurul Iman,
Persiaran Minang 2,
Taman Minang,
56000 Cheras
Puan Rokaya Bt. Ibrahim
Tel: 03 - 9118758
26.
Institut Tahfiz Malaysia Sudan
Lot 1276 Jln. Rahmat,
Kg. Teras Jernang,
43000 Kajang
27.
Sek. Tahfiz Raudatul Mujawwidin
No.9 Lot 1672 Jln Nazir,
Sg. Ramal Dalam
43000 Kajang
Wan Ahmad bin Hj. Wan Daud
Tel: 03 - 8372122
28.
Sek. Ren. Tahfiz At-Tazkirah
No.1 Jln. Hilir 3,
Taman Sri Angsana Hilir
55100 Kg. Pandan
Hj.M. Shafie bin M. Amin
Tel: 03 - 9815377
29.
Kelas Tahfiz Al-Quran
R.K.T Sg. Merab Kajang
D/A Kg. Sg. Ramal Dalam
Peti Surat 27
43007 Kajang
Mohammad Sahar bin Mat Din
30.
Sek.Ren. Tahfiz Bestari
No.38 Jln.Suasana 4/2,
Bandar Tun Hussein Onn
43200 Cheras
Zainal Abidin bin Mohd Yusof
Tel : 03 -90749475
31.
Maahad Tahfiz Az-Zahrah
Lot 2239, Bt. 18 1/2,
Kg. Perdik Lubuk Kelubi 43100 Hulu Langat
Tel : 03 – 4572960
32.
Kelas Tahfiz ABIM
Surau Fasa 1,
Taman SeriKembangan
43300 Seri Kembangan
Dr. Hj. Jamil Suradi
33.
Institut Latihan Menghafaz Al-Quran UMMI (ILMU),
No. 14 Jln SS 5/1 Kelana Jaya,
47301 Petaling Jaya
Sariffa Anon Khalid
Tel : 03 - 78758284
34.
Madrasah Tahfiz Al-Quran
Kg. Bukit Lanchong, Lot 591(1)
Kg. Bukit Lanchong
40000 Shah Alam
Ismail bin Mat Derus
Tel: 03-5431329
35.
Maahad Tahfiz Sumal
Lot 3257, Jln Sg. Buloh
Bt. 15, Kg. Paya Jaras Hulu, 47000 Sg. Buloh
Shahar bin Ahmad
36.
Maahad Tahfiz Al-Islahi
Surau Al-Islah, Jln Paladium 3,
7/33C, Seksyen 7,
40000 Shah Alam
Hj. Azlan Khalili
Tel : 03 - 5502640
37.
Dar-Al-Quran Wa Al-Hadith,
2705 Jln Permata 22,
Taman Permata,
53300 Kuala Lumpur
Rameli bin Musa
Tel : 03 - 4073277
38.
Kelas Tahfiz ABIM
No. 49A Jln 10/4,
Taman Sri Gombak,
68100 Selangor
Abdul Aziz
Tel : 03 - 6880736
39.
Sek. Tahfiz Darul Maarif
37 & 39,Jln Pusat BCH 1/1
Bandar Country Homes
48000 Rawang
Ku Hasmadi bin Ku Jahaya
Tel : 03 - 4338499
40.
Maahad Al-Ridhuan Let Tahfiz
Zil Quran Wa Ulumuddin
Masjid Al-Ridhuan
Bt. 7 1/2
Jln Hulu Klang, 68000 Selangor
Hj. Ibrahim bin Tahir
41.
Darul Huffaz (Tahfizul Quran)
105 Pinggiran Ukay,
Jln Hulu Klang
54200 Kuala Lumpur
Hj. Mohd Kassim bin Othman
42.
Kelas Tahfiz Al-Quran As-Sajidin
JKR 1033,
Bangunan Lama Masjid As-Sajidin,
Jln Besar Hulu Yam
44300 Batang Kali
Kamaluzaman bin Mohd Jam
Tel : 03 - 8971561
43.
Pengetua Maahad Tahfiz Al-Munawarah,
Lot 1334 Kampung Mukim Ulu Klang, 68000 Ampang Selangor
Swasta
Hj. Tonnan B. Hj. Bani
013-3321592
Fax : 03-42574278
tonnanbani@ymail.com
44.
Pengetua Maahad Tahfiz Masjid Al-Ridhuan d/a Masjid Al-Ridhuan Bt.7 Jalan Hulu Klang Selangor
Hj. Fauzi B. Salleh (Pengerusi)
Ust. Bisri Ibrahim (Pengetua)
Tel : 012-3885727
03-425167347
45.
Pengetua Pusat Tahfiz Al-Quran Al-Hikmah 6B Jalan 29 68100 Selayang Baru Selangor
Ust. Kamal B. Majid
Tel : 013-3972365
Fax :
46.
Pengetua Darul Quran Al-Wildan No.4 Lot 8144(C) Kg. Sg. Salak Batu 10 ½ Jalan Gombak 53199 Gombak Selangor
Suzeini Bt. Mohammad
Muhd Fadzil B. Kamaruddin
Us. Adam B. Abd. Rashid
Tel : 017-3640095
Tel : 013-3997969
Tel : 019-9970889
47.
Madrasah Qasimul Ulum
Lot 46191 Jalan Nenas
Kg. Temenggong 68100
Pinggiran Batu Caves
Selangor
Ust. Alauddin B. Ishak
Tel : 017-2005453
Fax : 03-61896652
Alwan67@yahoo.com
Madr.qasimululum@gmail.com
48.
Pengetua Pusat Tahfiz Al-Kholdi 22
Jalan UB 12
Taman Ukay Bistari
68000 Ampang
Selangor
Ust. Yunus B. Kamaruddin
Ust. Salleh B. Hj. Abdullah
Tel : 019-3216267
Tel : 019-3180346
49.
Mudir Maahad Tahfiz Al-Quran Al-Habibiyyah
Lot 26048A Jalan Kuang
Batu 19 ¾ 48050 Jalan Kuang
Selangor
Sheikh Ismail B. Sheikh Ramli
019-3105197
016-6777545
50.
Pengetua Maahad Tahfiz Al-Quran Al-Nadwah
Lot 1855, Jalan Gajah
24 Kg. Kubu Gajah
47000 Sungai Buloh
Selangor
Hj. Ali B. Jaafar
Tel : 03-80614801
019-3154119
52.
Maahad Tahfiz At-Tijarah
No 24 Jalan Idaman 8/1 Pusat Bukit Idaman, 68100 Selayang,
Batu Caves, Selangor
Hj. Muhd Thoriq B. Mustafa Kamal
03-61374831
53.
Pengetua Maahad Manabi Ul-Hikmah
Lot 2404-2 Lorong 3 Batu 19
Kg. Merbau Sempak Tambahan 47000 Sg. Buloh
Selangor
Us. Umar B. Ismail
019-6411140
54.
Pengetua Maahad Tahfiz Kiblah
Lot 3690-1 Jalan Tok Dagang
Sg. Merab 43000 Bangi
Selangor
Us. Zaharudin B. Husin
019-3310034
03-89261318
sekolahkiblah@yahoo.com
www.sekolahkiblah.com
zaharumi@yahoo.com
55.
Pengetua Maahad Tahfiz Anak Yatim Darul Fuqaha
Lot 3283 Jalan MPI Sg. Merab Luar 43000 Kajang
Selangor
Us. Mohd Khairuddin B. Aman Razali
Mohd Khairulazlan B. Aman Razali
Ustz. Anili Bt. Ramli
019-2665048
013-3621236
019-2677703
56.
Pengetua STAM (School Of Tahfiz Al-Quran)
Lot 145C-2 Jalan Cempaka Of Teratai,
Sg. Ramal Dalam 43000 Kajang, Selangor
AI Numadziyah Bt. Dun
Noraini Bt. Madhudin
013-2204103
03-87343125
019-6647484
57.
Pengetua Raudhah Tahfiz Al-Quran
P.T Lot 9066 No. 17
Batu 12 ½ Kg. Dusun Naning
43100 Hulu Langat
Selangor
Abd Latif B. Mat Ellah
012-9702575
Fax : 03-90216994
58.
Pengetua Maahad Tahfiz Nurul Huda
Batu 13 ¼ Jalan Hulu Langat
43100 Hulu Langat
Selangor
Shaibon B. Md Yusof
Us. Fathur Rahman
016-6007156
019-2068254
59.
Pengetua Raudhah Al-Quran Bukit Condong
No.3 Lot 967 Lorong Serai 4/3
Batu 11 Jalan Hulu Langat
43100 Hulu Langat
Selangor
Hj. Abd. Rashid B. Abd Wahab
013-2512810
03-31812697
60.
Pengetua Madrasah Tahfiz Miftahul Ulum
Lot 5649 KM 1 Jalan Kuari
Sg. Long Kampung Sg. Serai
43100 Hulu Langat
Selangor
Abd Razak B. Hj. Nokman Khushairi
Mohd Anwar B. Mohd Hazemi
Mohd Fahmi B. Che Elias
019-7759395
013-6419004
012-6587272
abdrazak.mdr.edu.mtmu
man4klk.mtmu.edu@gmail
mtmu.edu@ edu@gmail.com
61.
Pengetua Maahad Tarbiah Islam Asoffa
Bt. 21 ½ Jalan Pansun
Kem Mestika Soffa
43100 Hulu Langat
Selangor
Us. Sodek
Hj. Salam
017-2762978
012-6221975
62.
Mudir Madrasah Tahfiz Mustafawiyah
Lot No. 1065 (PT25)
Kg. Baru Sg. Tangkas
Jalan Bangi, Bangi 43000
Selangor
Us. Iskandar Nasution
Hj. Zubir B. Ismail
03-87365160
016-9745536
63.
Mudir Maahad Tahfiz Raudhatul Ulum
69A Tingkat 2 Jalan 17,
Alam Jaya
Taman Alam Jaya Batu 9,
43200 Cheras
Selangor
Abd Rasyed
012-3519285
Fax : 03-90804694
Tuesday 11 December 2012
Beli rumah - guna duit KWSP
Bagaimana mengeluarkan caruman KWSP
KWSP Withdrawal
Jika anda sedang merancang untuk membeli rumah, pasti anda sedang mencongak-congak baki Kumpulan Wang Simpanan pekerja (KWSP). Untuk makluman anda, setiap caruman yang dibuat oleh anda dan majikan 30% dari jumlah itu akan di bahagikan pada Akaun II.
Anda boleh mengeluarkan simpanan Akaun II sahaja untuk membiayai pembelian sebuah rumah secara individu atau secara bersama dengan ahli keluarga terdekat (ibu, bapa, suami,isteri, adik-beradik atau pun anak-anak).
Tidak kiralah anda ingin membeli rumah terus dari pemaju atau dari individu anda boleh menggunakan jumlah baki akaun II anda untuk dijadikan “downpayment”. Bukan itu saja, anda juga boleh mengeluarkan wang KWSP ini untuk pembelian rumah lelong.
Jadi apakah syarat-syaratnya? Jika anda sedang merancang untuk membeli sebuah rumah kediaman jenis bungalow, teres, berkembar, apartment, kondominium, studio apartment, servis apartment, townhouse atau soho anda layak untuk memohon pengelauran wang KWSP.
KWSP-Process
Untuk pengeluaran wang KWSP, anda harus memastikan dahulu baki akaun 2 anda. Matlamat sebenar untuk mengeluarkan wang KWSP adalah untuk membayar baki belian rumah. Sebagai contoh jika pinjaman rumah anda hanya 90% dari harga rumah, baki Akaun II anda mesti mencukupi atau lebih. Jika tidak anda kenalah tambah sendiri. Selain itu KWSP juga boleh dikeluarkan untuk membayar bill guaman dan pengurusan pemindahan hak milik.
Mengikut perbincangan saya dengan pegawai KWSP baru-baru ini, selain dari pengeluaran pertama anda juga boleh membuat pengeluaran kedua untuk menyelesaikan baki pinjaman. Para pencarum boleh memohon untuk mengeluarkan wang KWSP untuk membayar baki pinjaman sekali pada setiap tiga tahun.
Selain itu berita baik pada pencarum KWSP. Bermula pada 1 januari 2008, setiap ahli KWSP yang memiliki pinjaman perumahan boleh mengeluarkan wang didalam Akaun II untuk tujuan bayaran bulanan baki pinjaman perumahan. Had pengeluaran minima bulanan yang dibenarkan ialah RM100.
Menarikkan? sila hubungi cawangan KWSP yang berdekatan untuk maklumat lanjut.
Siapakah yang tidak layak untuk mengeluarkan wang KWSP? mereka adalah;
- Membeli tanah atau lot tapak bungalow.
- Mengubahsuai, membaiki atau membuat kerja “renovasi” kepada rumah yang sedia ada.
- Pemilikan harta tidak melalui transaksi jual beli.
- Mengambil pinjaman berbentuk Overdraf.
- Membeli rumah ketiga.
- Membeli rumah di luar negara.
KWSP Withdrawal
Jika anda sedang merancang untuk membeli rumah, pasti anda sedang mencongak-congak baki Kumpulan Wang Simpanan pekerja (KWSP). Untuk makluman anda, setiap caruman yang dibuat oleh anda dan majikan 30% dari jumlah itu akan di bahagikan pada Akaun II.
Anda boleh mengeluarkan simpanan Akaun II sahaja untuk membiayai pembelian sebuah rumah secara individu atau secara bersama dengan ahli keluarga terdekat (ibu, bapa, suami,isteri, adik-beradik atau pun anak-anak).
Tidak kiralah anda ingin membeli rumah terus dari pemaju atau dari individu anda boleh menggunakan jumlah baki akaun II anda untuk dijadikan “downpayment”. Bukan itu saja, anda juga boleh mengeluarkan wang KWSP ini untuk pembelian rumah lelong.
Jadi apakah syarat-syaratnya? Jika anda sedang merancang untuk membeli sebuah rumah kediaman jenis bungalow, teres, berkembar, apartment, kondominium, studio apartment, servis apartment, townhouse atau soho anda layak untuk memohon pengelauran wang KWSP.
KWSP-Process
Untuk pengeluaran wang KWSP, anda harus memastikan dahulu baki akaun 2 anda. Matlamat sebenar untuk mengeluarkan wang KWSP adalah untuk membayar baki belian rumah. Sebagai contoh jika pinjaman rumah anda hanya 90% dari harga rumah, baki Akaun II anda mesti mencukupi atau lebih. Jika tidak anda kenalah tambah sendiri. Selain itu KWSP juga boleh dikeluarkan untuk membayar bill guaman dan pengurusan pemindahan hak milik.
Mengikut perbincangan saya dengan pegawai KWSP baru-baru ini, selain dari pengeluaran pertama anda juga boleh membuat pengeluaran kedua untuk menyelesaikan baki pinjaman. Para pencarum boleh memohon untuk mengeluarkan wang KWSP untuk membayar baki pinjaman sekali pada setiap tiga tahun.
Selain itu berita baik pada pencarum KWSP. Bermula pada 1 januari 2008, setiap ahli KWSP yang memiliki pinjaman perumahan boleh mengeluarkan wang didalam Akaun II untuk tujuan bayaran bulanan baki pinjaman perumahan. Had pengeluaran minima bulanan yang dibenarkan ialah RM100.
Menarikkan? sila hubungi cawangan KWSP yang berdekatan untuk maklumat lanjut.
Siapakah yang tidak layak untuk mengeluarkan wang KWSP? mereka adalah;
- Membeli tanah atau lot tapak bungalow.
- Mengubahsuai, membaiki atau membuat kerja “renovasi” kepada rumah yang sedia ada.
- Pemilikan harta tidak melalui transaksi jual beli.
- Mengambil pinjaman berbentuk Overdraf.
- Membeli rumah ketiga.
- Membeli rumah di luar negara.
Dream Home, Dream House!
Many people say they can't afford to buy a house mainly because they wNt their dream home, which is far more expensive than what they can afford. So make sure you buy within your means...
Begin the journey to own a dream housewith a smaller house. after five years! The propertywould have appreciated and with a better salary, you can consider a better houseby disposing off your first property.
You're heard it many times before, "property prices are crazy in Malaysia" Small wonder then that many young people feel they are destined to be tenants their whole life..
Intrigued? More accurately, ask yourself how much you are willing to spend and whether you can afford the loan repayment without having to make deeper budget cuts than Greece!
Check it out some informations from MBSB, EPF, Auction property ! There are much more merrrier for goverment servants as there is so many ways to apply a morgage loan- event blaclisted...
If you're only able to afford a monthly instalment of Rm1000.00, then look for a property within that price range. Any real estate agent will be able to find the ideal property for you. Choose a simple and affortable property to stay in. This way , yousave on rent, or ifthe property serves as an investment, you can use the rental income to settle a major part of your instalment.
You need to clarify where your deposits are coming from, how much of your current income can sustain a loan. Don't forget to include renovations and move-in costs as these will also take up a chunk of your savings.
Another easy method? Many are appling 1/3 of their income as a rule of thumb for installment amounts.
You're got the money! You're ready to buy. but how can you make sure you get the best deal out there? There's no guarantee of a cheap and good deal in today's market. Sometimes its sound to be good to be true! For me, a good deal is when you purchase a property that you feel good abt, at a reasonable price, and if possible, with potential market value.
Make sure you have all the right information so you can negotiate the best deal for yourself. Do a survey , make a call the numbers you see advertised on real estate banners as well. The faster on the net. The more you ask, the better informed you will be abt making a smart investment. Combine that with your online research and you've enough knowledge to make a better purchase!
Don't ever give up on your dream of becoming a homeowner; PATIENCE is the key when buying property. Do not buy in rush; go through all alternatives. Don't be bogged down by just one reason. For example, if you aren't able to do all the renovationsat one go, focus on the main ones likewiring, plumbing, painting and built-ins. At the end of the day, make sure the decisions is to your liking and compatible with your lifestyle.
Also, start small. If financial constrains are a mojor burden to you becoming a homeowner, revise your budget.
Begin the journey to own a dream housewith a smaller house. after five years! The propertywould have appreciated and with a better salary, you can consider a better houseby disposing off your first property.
You're heard it many times before, "property prices are crazy in Malaysia" Small wonder then that many young people feel they are destined to be tenants their whole life..
Intrigued? More accurately, ask yourself how much you are willing to spend and whether you can afford the loan repayment without having to make deeper budget cuts than Greece!
Check it out some informations from MBSB, EPF, Auction property ! There are much more merrrier for goverment servants as there is so many ways to apply a morgage loan- event blaclisted...
If you're only able to afford a monthly instalment of Rm1000.00, then look for a property within that price range. Any real estate agent will be able to find the ideal property for you. Choose a simple and affortable property to stay in. This way , yousave on rent, or ifthe property serves as an investment, you can use the rental income to settle a major part of your instalment.
You need to clarify where your deposits are coming from, how much of your current income can sustain a loan. Don't forget to include renovations and move-in costs as these will also take up a chunk of your savings.
Another easy method? Many are appling 1/3 of their income as a rule of thumb for installment amounts.
You're got the money! You're ready to buy. but how can you make sure you get the best deal out there? There's no guarantee of a cheap and good deal in today's market. Sometimes its sound to be good to be true! For me, a good deal is when you purchase a property that you feel good abt, at a reasonable price, and if possible, with potential market value.
Make sure you have all the right information so you can negotiate the best deal for yourself. Do a survey , make a call the numbers you see advertised on real estate banners as well. The faster on the net. The more you ask, the better informed you will be abt making a smart investment. Combine that with your online research and you've enough knowledge to make a better purchase!
Don't ever give up on your dream of becoming a homeowner; PATIENCE is the key when buying property. Do not buy in rush; go through all alternatives. Don't be bogged down by just one reason. For example, if you aren't able to do all the renovationsat one go, focus on the main ones likewiring, plumbing, painting and built-ins. At the end of the day, make sure the decisions is to your liking and compatible with your lifestyle.
Also, start small. If financial constrains are a mojor burden to you becoming a homeowner, revise your budget.
Friday 7 December 2012
Beli rumah - guna duit KWSP
Bagaimana mengeluarkan caruman KWSP
KWSP Withdrawal
Jika anda sedang merancang untuk membeli rumah, pasti anda sedang mencongak-congak baki Kumpulan Wang Simpanan pekerja (KWSP). Untuk makluman anda, setiap caruman yang dibuat oleh anda dan majikan 30% dari jumlah itu akan di bahagikan pada Akaun II.
Anda boleh mengeluarkan simpanan Akaun II sahaja untuk membiayai pembelian sebuah rumah secara individu atau secara bersama dengan ahli keluarga terdekat (ibu, bapa, suami,isteri, adik-beradik atau pun anak-anak).
Tidak kiralah anda ingin membeli rumah terus dari pemaju atau dari individu anda boleh menggunakan jumlah baki akaun II anda untuk dijadikan “downpayment”. Bukan itu saja, anda juga boleh mengeluarkan wang KWSP ini untuk pembelian rumah lelong.
Jadi apakah syarat-syaratnya? Jika anda sedang merancang untuk membeli sebuah rumah kediaman jenis bungalow, teres, berkembar, apartment, kondominium, studio apartment, servis apartment, townhouse atau soho anda layak untuk memohon pengelauran wang KWSP.
KWSP-Process
Untuk pengeluaran wang KWSP, anda harus memastikan dahulu baki akaun 2 anda. Matlamat sebenar untuk mengeluarkan wang KWSP adalah untuk membayar baki belian rumah. Sebagai contoh jika pinjaman rumah anda hanya 90% dari harga rumah, baki Akaun II anda mesti mencukupi atau lebih. Jika tidak anda kenalah tambah sendiri. Selain itu KWSP juga boleh dikeluarkan untuk membayar bill guaman dan pengurusan pemindahan hak milik.
Mengikut perbincangan saya dengan pegawai KWSP baru-baru ini, selain dari pengeluaran pertama anda juga boleh membuat pengeluaran kedua untuk menyelesaikan baki pinjaman. Para pencarum boleh memohon untuk mengeluarkan wang KWSP untuk membayar baki pinjaman sekali pada setiap tiga tahun.
Selain itu berita baik pada pencarum KWSP. Bermula pada 1 januari 2008, setiap ahli KWSP yang memiliki pinjaman perumahan boleh mengeluarkan wang didalam Akaun II untuk tujuan bayaran bulanan baki pinjaman perumahan. Had pengeluaran minima bulanan yang dibenarkan ialah RM100.
Menarikkan? sila hubungi cawangan KWSP yang berdekatan untuk maklumat lanjut.
Siapakah yang tidak layak untuk mengeluarkan wang KWSP? mereka adalah;
- Membeli tanah atau lot tapak bungalow.
- Mengubahsuai, membaiki atau membuat kerja “renovasi” kepada rumah yang sedia ada.
- Pemilikan harta tidak melalui transaksi jual beli.
- Mengambil pinjaman berbentuk Overdraf.
- Membeli rumah ketiga.
- Membeli rumah di luar negara.
KWSP Withdrawal
Jika anda sedang merancang untuk membeli rumah, pasti anda sedang mencongak-congak baki Kumpulan Wang Simpanan pekerja (KWSP). Untuk makluman anda, setiap caruman yang dibuat oleh anda dan majikan 30% dari jumlah itu akan di bahagikan pada Akaun II.
Anda boleh mengeluarkan simpanan Akaun II sahaja untuk membiayai pembelian sebuah rumah secara individu atau secara bersama dengan ahli keluarga terdekat (ibu, bapa, suami,isteri, adik-beradik atau pun anak-anak).
Tidak kiralah anda ingin membeli rumah terus dari pemaju atau dari individu anda boleh menggunakan jumlah baki akaun II anda untuk dijadikan “downpayment”. Bukan itu saja, anda juga boleh mengeluarkan wang KWSP ini untuk pembelian rumah lelong.
Jadi apakah syarat-syaratnya? Jika anda sedang merancang untuk membeli sebuah rumah kediaman jenis bungalow, teres, berkembar, apartment, kondominium, studio apartment, servis apartment, townhouse atau soho anda layak untuk memohon pengelauran wang KWSP.
KWSP-Process
Untuk pengeluaran wang KWSP, anda harus memastikan dahulu baki akaun 2 anda. Matlamat sebenar untuk mengeluarkan wang KWSP adalah untuk membayar baki belian rumah. Sebagai contoh jika pinjaman rumah anda hanya 90% dari harga rumah, baki Akaun II anda mesti mencukupi atau lebih. Jika tidak anda kenalah tambah sendiri. Selain itu KWSP juga boleh dikeluarkan untuk membayar bill guaman dan pengurusan pemindahan hak milik.
Mengikut perbincangan saya dengan pegawai KWSP baru-baru ini, selain dari pengeluaran pertama anda juga boleh membuat pengeluaran kedua untuk menyelesaikan baki pinjaman. Para pencarum boleh memohon untuk mengeluarkan wang KWSP untuk membayar baki pinjaman sekali pada setiap tiga tahun.
Selain itu berita baik pada pencarum KWSP. Bermula pada 1 januari 2008, setiap ahli KWSP yang memiliki pinjaman perumahan boleh mengeluarkan wang didalam Akaun II untuk tujuan bayaran bulanan baki pinjaman perumahan. Had pengeluaran minima bulanan yang dibenarkan ialah RM100.
Menarikkan? sila hubungi cawangan KWSP yang berdekatan untuk maklumat lanjut.
Siapakah yang tidak layak untuk mengeluarkan wang KWSP? mereka adalah;
- Membeli tanah atau lot tapak bungalow.
- Mengubahsuai, membaiki atau membuat kerja “renovasi” kepada rumah yang sedia ada.
- Pemilikan harta tidak melalui transaksi jual beli.
- Mengambil pinjaman berbentuk Overdraf.
- Membeli rumah ketiga.
- Membeli rumah di luar negara.
Wednesday 5 December 2012
Guideline: How to buy property by auction?
Buyer Guides
What do I need to prepare/bring on Auction Day?
For Individual Buyers:
A bank draft/cashier's order equivalent to 5% or 10% of the fixed reserve price payable to respective bank, as stated in POS*
Identification card (I/C) together with a photocopy of I/C (both sides)
An authorisation/nomination letter (if you are bidding for someone's behalf)
Additional funds to pay difference between reserve price and successful bid price. (5% or 10% of the successful/additional bid price)
For Company buyers:
Company M&A (Certified true copy by Company Secretary)
Form 24 (Certified true copy by Company Secretary)
Form 49 (Certified true copy by Company Secretary)
Letter of authorization (with Letterhead and Company Stamp, signed by at least 1 Director)
Photocopy I/C of Directors
Identification card (I/C) together with photocopies of I/C (both sides) of person being authorised to bid for identification and registration purposes
A bank draft/cashier's order equivalent to 5% or 10% of the fixed reserve price in favour of respective bank
Additional funds to pay the difference between the deposit paid upon registration. (5% or 10% of the successful/additional bid price)
Note: A person who has not reached the age of 18 (minor) or Bankrupt shall not be permitted to participate for the auction bidding.
* POS Proclamation of Sale
* COS Conditions of Sale
What to note at the auction?
Always check the specific amount requested and the Bank Drafts/Banker's Cheque are correctly payable.
Unprepared and inattentiveness during call bids will make you lose a probable opportunity.
Certainly do not bring personal or company cheques as Auction deposits.
To be present earlier to avoid disappointment.
It is important to listen to the auction proceeding very carefully to avoid unawareness.
Observe the details provided are correct in the Contract of Sale before endorsement.
What should I know before coming to auction?
Obtain the Proclamation, condition and terms of sale from the auctioneer
Read and fully understand all the terms and conditions of sale
Conduct an official search on the parent title at the land office and/or other relevant authorities
Inspect the property
Verify pertinent particulars of the documents
Verify the postal address of property with developer
Check on the issuance of separate individual title with developer
Seek legal advice on the terms and conditions of sale herein
Make necessary enquires with the relevant authorities and the developer on the terms and conditions of the consent to the sale herein
The property is sold on 'as is where is' basis
Illustration in the advertisement or brochure of forthcoming sales is primarily for information and guidance on intending purchaser/s only
What do I need to prepare/bring on Auction Day?
For Individual Buyers:
A bank draft/cashier's order equivalent to 5% or 10% of the fixed reserve price payable to respective bank, as stated in POS*
Identification card (I/C) together with a photocopy of I/C (both sides)
An authorisation/nomination letter (if you are bidding for someone's behalf)
Additional funds to pay difference between reserve price and successful bid price. (5% or 10% of the successful/additional bid price)
For Company buyers:
Company M&A (Certified true copy by Company Secretary)
Form 24 (Certified true copy by Company Secretary)
Form 49 (Certified true copy by Company Secretary)
Letter of authorization (with Letterhead and Company Stamp, signed by at least 1 Director)
Photocopy I/C of Directors
Identification card (I/C) together with photocopies of I/C (both sides) of person being authorised to bid for identification and registration purposes
A bank draft/cashier's order equivalent to 5% or 10% of the fixed reserve price in favour of respective bank
Additional funds to pay the difference between the deposit paid upon registration. (5% or 10% of the successful/additional bid price)
Note: A person who has not reached the age of 18 (minor) or Bankrupt shall not be permitted to participate for the auction bidding.
* POS Proclamation of Sale
* COS Conditions of Sale
What to note at the auction?
Always check the specific amount requested and the Bank Drafts/Banker's Cheque are correctly payable.
Unprepared and inattentiveness during call bids will make you lose a probable opportunity.
Certainly do not bring personal or company cheques as Auction deposits.
To be present earlier to avoid disappointment.
It is important to listen to the auction proceeding very carefully to avoid unawareness.
Observe the details provided are correct in the Contract of Sale before endorsement.
What should I know before coming to auction?
Obtain the Proclamation, condition and terms of sale from the auctioneer
Read and fully understand all the terms and conditions of sale
Conduct an official search on the parent title at the land office and/or other relevant authorities
Inspect the property
Verify pertinent particulars of the documents
Verify the postal address of property with developer
Check on the issuance of separate individual title with developer
Seek legal advice on the terms and conditions of sale herein
Make necessary enquires with the relevant authorities and the developer on the terms and conditions of the consent to the sale herein
The property is sold on 'as is where is' basis
Illustration in the advertisement or brochure of forthcoming sales is primarily for information and guidance on intending purchaser/s only
Thursday 22 November 2012
Durian Crepes, Strawberry Crepes from Ita's Delight
This is the Durian and Strawberry Crepes from Ita's Delight.
Method of Order:
You may order trought her facebook - Ita's Delight or call Shafiq 012-3146665 ( her's son).
Price: RM10.00 for 4 pcs
Taste: Very Superb
She also conduct the class to do the crepes.
For more informations please refer to her official blog and facebook.
CREPES COLLECTION JUALAN TIAP KHAMIS MULAI 1 NOV 2012
October 22 ·
OPEN FOR ORDER UNTUK PICK UP TIAP KHAMIS DAN MULAI MINGGU HADAPAN 1 NOVEMBER 2012. HARGA 4 PCS - RM10 (SIZE PAN 22CM)
TEMPAHAN CREPES BOLEH DI AMBIL DI ITAS DELIGHT, BANGUNAN GREENPACKET, JALAN TEMPLER, P.JAYA ... UNTUK PERSONAL DELIVERY KAWASAN KLANG HANYA ORDER YANG MELEBIHI 10 PEKET... TKASIH.
Method of Order:
You may order trought her facebook - Ita's Delight or call Shafiq 012-3146665 ( her's son).
Price: RM10.00 for 4 pcs
Taste: Very Superb
She also conduct the class to do the crepes.
For more informations please refer to her official blog and facebook.
CREPES COLLECTION JUALAN TIAP KHAMIS MULAI 1 NOV 2012
October 22 ·
OPEN FOR ORDER UNTUK PICK UP TIAP KHAMIS DAN MULAI MINGGU HADAPAN 1 NOVEMBER 2012. HARGA 4 PCS - RM10 (SIZE PAN 22CM)
TEMPAHAN CREPES BOLEH DI AMBIL DI ITAS DELIGHT, BANGUNAN GREENPACKET, JALAN TEMPLER, P.JAYA ... UNTUK PERSONAL DELIVERY KAWASAN KLANG HANYA ORDER YANG MELEBIHI 10 PEKET... TKASIH.
Raining..
It has been raining a lot recently. So please remember your loved one and drive safely no matter where you're heading.
Doa Agar Anak-Anak Hilang Keinginan Berzina ~ from Ustaz Zahazan Mohamed
Doa agar hilang kinginan untuk berzina (Disarankan ibubapa mengamalkannya untuk anak-anak)
اللَّهُمَّ اغْفِرْ ذَنْبَهُ وَطَهِّرْ قَلْبَهُ وَحَصِّنْ فَرْجَهُ
Makudnya: Ya Allah, ampunkanlah dosanya, bersihkanlah hatinya dan peliharalah kemaluannya.
Bacakan ke atas anak ketika dia sedang tidur dengan meletakkan tangan anda di atas dadanya (anak lelaki) dan tempat yang sesuai (anak perempuan). - Majalah Gen-Q
اللَّهُمَّ اغْفِرْ ذَنْبَهُ وَطَهِّرْ قَلْبَهُ وَحَصِّنْ فَرْجَهُ
Makudnya: Ya Allah, ampunkanlah dosanya, bersihkanlah hatinya dan peliharalah kemaluannya.
Bacakan ke atas anak ketika dia sedang tidur dengan meletakkan tangan anda di atas dadanya (anak lelaki) dan tempat yang sesuai (anak perempuan). - Majalah Gen-Q
Freelance Job: Shampoo Survey for Malay / Chinese 18-25 years old - Posted 21Nov 2012
Job Description
Shampoo Survey (for Chinese Female Cantonese speaking and know mandarin / Malay Female Malay speaking) (cash reward RM 200 to you on the spot)
Date/Time: 12/13/14/17 December 2012, 3 / 7 pm
Venue: Bangsar, KL
Age: 18-25 years old
Race: Chinese / Malay
Gender: Female Only
Duration: 2 hrs
Incentive: RM 200
We are targeting Chinese / Malay female to participate in Shampoo Survey.
Interested, please provide the information for “Questions for selection criteria”as stated below and email to andrea.aerdna123@hotmail.com
Questions for selection criteria:
1. Full Name
2. NRIC (for survey purpose only)
3. Mobile No
4. Gender
5. Occupation
6. Marital Status
7. Household income
8. Have you attended survey in the past 6 months?
A) No
B) YES
9. Which shampoo brand and range are you using now?
Brand:________________Range:___________________
10. Which shampoo brand and range are you using 3 months ago?
Brand:________________
Important:
Qualified candidates who meet our selection criteria will receive notification from us (over the phone) to confirm your participation in the survey.
How to Apply
Interested, please provide the information for “Questions for selection criteria”as stated below and email to andrea.aerdna123@hotmail.com
Questions for selection criteria:
1. Full Name
2. NRIC (for survey purpose only)
3. Mobile No
4. Gender
5. Occupation
6. Marital Status
7. Household income
8. Have you attended survey in the past 6 months?
A) No
B) YES
9. Which shampoo brand and range are you using now?
Brand:________________Range:___________________
10. Which shampoo brand and range are you using 3 months ago?
Brand:________________
Important:
Qualified candidates who meet our selection criteria will receive notification from us (over the phone) to confirm your participation in the survey.
Part Time Job: Facial Foam Face to Face Survey - posted 21 Nov 2012
Job Description
FACIAL FOAM FACE TO FACE SURVEY (for Malay, Male, aged 20-29) ~ RM100 – RM150 (cash payment to you on the spot)
We are targeting Users of Facial Foam and Moisturizer to participate in our Facial Foam Face to Face Survey.
Date : 9 Dec or 10 Dec
Time : Will call you to arrange
Venue : Bangsar (can reach by LRT)
Duration : 2 hours
Language : Malay / English
Race : Malay
Gender : Male
Age : 20 – 29 years old
Marital status : Single / Married Without Kid
Occupation : Students / Working Adults
Incentive : RM100 – RM150 (cash payment to you on the spot)
IMPORTANT : You are required to complete a Diary prior the survey
Interested, please provide the information for “Questions for selection criteria” as stated below to Cheong via SMS to 012-9234620 or you may email to cheongsurvey@gmail.com :
Questions for selection criteria:
1. Full name
2. NRIC (FOR SURVEY PURPOSE ONLY)
3. Gender
(A) Male
(B) Female
4. Mobile no.
5. Occupation
6. Have you attended survey in the past 6 months?
(A) NO
(B) YES
7. Marital status?
(A) Married with kid(s)
(B) Married without kid
(C) Single
8. My educational level is until ________.
(A) Master and above
(B) Degree
(C) Diploma
(D) STPM / A Level
(E) SPM / O Level
(F) Certificate
(G) Others
9. FOR WORKING ADULTS, my monthly personal income __________.
(A) RM6000 and above
(B) RM5000 – RM5999
(C) RM4000 – RM4999
(D) RM3000 – RM3999
(E) RM2000 – RM2999
(F) RM1999 and below
10. My monthly household income / jumlah pendapatan rumahtangga sebulan / 家庭成员每月总收入 _______.
(A) RM7000 and above
(B) RM6000 – RM6999
(C) RM5000 – RM5999
(D) RM4000 – RM4999
(E) RM3000 – RM3999
(F) RM2000 – RM2999
(G) RM1999 and below
11. Are you willing to complete a diary before attending the survey?
(A) YES
(B) NO
12. Please name the brand and variant of facial foam which you are using currently. __________ (e.g.: XXX Double Scrub, YYY oil control & cleanser scrub, etc)
13. How long you have been using the Facial Cleanser as stated in Q12? ________ (e.g.: 6 months, 8 months, etc)
14. Please name the brand of the moisturizer which you are using currently. _________
15. Please name the previous facial foam brand which you are using before you are using the current brand in Q12. _____________
Important:
Qualified candidates who meet our selection criteria will receive notification from us (over the phone) to confirm your participation in the survey.
How to Apply
Interested, please provide the information for “Questions for selection criteria” as stated below to Cheong via SMS to 012-9234620 or you may email to cheongsurvey@gmail.com :
Questions for selection criteria:
1. Full name
2. NRIC (FOR SURVEY PURPOSE ONLY)
3. Gender
(A) Male
(B) Female
4. Mobile no.
5. Occupation
6. Have you attended survey in the past 6 months?
(A) NO
(B) YES
7. Marital status?
(A) Married with kid(s)
(B) Married without kid
(C) Single
8. My educational level is until ________.
(A) Master and above
(B) Degree
(C) Diploma
(D) STPM / A Level
(E) SPM / O Level
(F) Certificate
(G) Others
9. FOR WORKING ADULTS, my monthly personal income __________.
(A) RM6000 and above
(B) RM5000 – RM5999
(C) RM4000 – RM4999
(D) RM3000 – RM3999
(E) RM2000 – RM2999
(F) RM1999 and below
10. My monthly household income / jumlah pendapatan rumahtangga sebulan / 家庭成员每月总收入 _______.
(A) RM7000 and above
(B) RM6000 – RM6999
(C) RM5000 – RM5999
(D) RM4000 – RM4999
(E) RM3000 – RM3999
(F) RM2000 – RM2999
(G) RM1999 and below
11. Are you willing to complete a diary before attending the survey?
(A) YES
(B) NO
12. Please name the brand and variant of facial foam which you are using currently. __________ (e.g.: XXX Double Scrub, YYY oil control & cleanser scrub, etc)
13. How long you have been using the Facial Cleanser as stated in Q12? ________ (e.g.: 6 months, 8 months, etc)
14. Please name the brand of the moisturizer which you are using currently. _________
15. Please name the previous facial foam brand which you are using before you are using the current brand in Q12. _____________
FACIAL FOAM FACE TO FACE SURVEY (for Malay, Male, aged 20-29) ~ RM100 – RM150 (cash payment to you on the spot)
We are targeting Users of Facial Foam and Moisturizer to participate in our Facial Foam Face to Face Survey.
Date : 9 Dec or 10 Dec
Time : Will call you to arrange
Venue : Bangsar (can reach by LRT)
Duration : 2 hours
Language : Malay / English
Race : Malay
Gender : Male
Age : 20 – 29 years old
Marital status : Single / Married Without Kid
Occupation : Students / Working Adults
Incentive : RM100 – RM150 (cash payment to you on the spot)
IMPORTANT : You are required to complete a Diary prior the survey
Interested, please provide the information for “Questions for selection criteria” as stated below to Cheong via SMS to 012-9234620 or you may email to cheongsurvey@gmail.com :
Questions for selection criteria:
1. Full name
2. NRIC (FOR SURVEY PURPOSE ONLY)
3. Gender
(A) Male
(B) Female
4. Mobile no.
5. Occupation
6. Have you attended survey in the past 6 months?
(A) NO
(B) YES
7. Marital status?
(A) Married with kid(s)
(B) Married without kid
(C) Single
8. My educational level is until ________.
(A) Master and above
(B) Degree
(C) Diploma
(D) STPM / A Level
(E) SPM / O Level
(F) Certificate
(G) Others
9. FOR WORKING ADULTS, my monthly personal income __________.
(A) RM6000 and above
(B) RM5000 – RM5999
(C) RM4000 – RM4999
(D) RM3000 – RM3999
(E) RM2000 – RM2999
(F) RM1999 and below
10. My monthly household income / jumlah pendapatan rumahtangga sebulan / 家庭成员每月总收入 _______.
(A) RM7000 and above
(B) RM6000 – RM6999
(C) RM5000 – RM5999
(D) RM4000 – RM4999
(E) RM3000 – RM3999
(F) RM2000 – RM2999
(G) RM1999 and below
11. Are you willing to complete a diary before attending the survey?
(A) YES
(B) NO
12. Please name the brand and variant of facial foam which you are using currently. __________ (e.g.: XXX Double Scrub, YYY oil control & cleanser scrub, etc)
13. How long you have been using the Facial Cleanser as stated in Q12? ________ (e.g.: 6 months, 8 months, etc)
14. Please name the brand of the moisturizer which you are using currently. _________
15. Please name the previous facial foam brand which you are using before you are using the current brand in Q12. _____________
Important:
Qualified candidates who meet our selection criteria will receive notification from us (over the phone) to confirm your participation in the survey.
How to Apply
Interested, please provide the information for “Questions for selection criteria” as stated below to Cheong via SMS to 012-9234620 or you may email to cheongsurvey@gmail.com :
Questions for selection criteria:
1. Full name
2. NRIC (FOR SURVEY PURPOSE ONLY)
3. Gender
(A) Male
(B) Female
4. Mobile no.
5. Occupation
6. Have you attended survey in the past 6 months?
(A) NO
(B) YES
7. Marital status?
(A) Married with kid(s)
(B) Married without kid
(C) Single
8. My educational level is until ________.
(A) Master and above
(B) Degree
(C) Diploma
(D) STPM / A Level
(E) SPM / O Level
(F) Certificate
(G) Others
9. FOR WORKING ADULTS, my monthly personal income __________.
(A) RM6000 and above
(B) RM5000 – RM5999
(C) RM4000 – RM4999
(D) RM3000 – RM3999
(E) RM2000 – RM2999
(F) RM1999 and below
10. My monthly household income / jumlah pendapatan rumahtangga sebulan / 家庭成员每月总收入 _______.
(A) RM7000 and above
(B) RM6000 – RM6999
(C) RM5000 – RM5999
(D) RM4000 – RM4999
(E) RM3000 – RM3999
(F) RM2000 – RM2999
(G) RM1999 and below
11. Are you willing to complete a diary before attending the survey?
(A) YES
(B) NO
12. Please name the brand and variant of facial foam which you are using currently. __________ (e.g.: XXX Double Scrub, YYY oil control & cleanser scrub, etc)
13. How long you have been using the Facial Cleanser as stated in Q12? ________ (e.g.: 6 months, 8 months, etc)
14. Please name the brand of the moisturizer which you are using currently. _________
15. Please name the previous facial foam brand which you are using before you are using the current brand in Q12. _____________
Part Time Job: Clinical Study Voluteer @ Hospital Ampang
Job Description
We are a Phase I and BA/BE Clinical Research Unit under JV from MOH and Veeda Clinical Research, who involved in medicine/drug development. We are based in Hospital Ampang, and are running clinical studies where we need study volunteers to join us as part of the study. A study volunteer in our study will receive the treatment/medicine and being evaluated for the effects/values by our trained medical professioners such as Doctors/Pharmacies or Nurses. Your participation is so important to contribute in medical sciences development and community in order to combat diseases. Without study volunteers, there is no way a new medicine can be developed/registered and marketed.
Being a study volunteers you will receive a free medical check up, learn about clinical research, contribute to medical sciences, and a reimbursement fee of around RM150.00 – RM250.00 per day as a compensation of your time and inconveniences.
How to Apply
In order to join our study, you have to register into out data bank. To register, you need to present at our unit at level 7 Hospital Ampang during Mon – Fri 9.00am – 4.00pm. The registration takes about 20 mins including explanation of our units, recording your details (name, weight, BMI etc) and deposit them into our Volunteer Data Bank. A RM40.00 will be reimbursed as a compensation of your time upon complete registration.
After you done registration, your details will be considered by us to whether fit our criterials for studies or not. We have all sorts of different studies that required different criterials. So please do not worry about whether you are qualified in our current study as you may qualified for next studies. Also, registration doesn’t meant that you must join our studies as this is volunteering and you may reject anytime. So just bring all your friends to register and at the same time to learn more about us.
Contact Details:
Phone: 03-4289 6558
Email: cvm@crc.gov.my
Facebook: CVM Phase I Clinical Trial Unit
Address: CVM-Phase I Clinical Trial Unit
Level 7, Hospital Ampang,
Jalan Mewah Utara, 68000,
Ampang, Selangor.
We are a Phase I and BA/BE Clinical Research Unit under JV from MOH and Veeda Clinical Research, who involved in medicine/drug development. We are based in Hospital Ampang, and are running clinical studies where we need study volunteers to join us as part of the study. A study volunteer in our study will receive the treatment/medicine and being evaluated for the effects/values by our trained medical professioners such as Doctors/Pharmacies or Nurses. Your participation is so important to contribute in medical sciences development and community in order to combat diseases. Without study volunteers, there is no way a new medicine can be developed/registered and marketed.
Being a study volunteers you will receive a free medical check up, learn about clinical research, contribute to medical sciences, and a reimbursement fee of around RM150.00 – RM250.00 per day as a compensation of your time and inconveniences.
How to Apply
In order to join our study, you have to register into out data bank. To register, you need to present at our unit at level 7 Hospital Ampang during Mon – Fri 9.00am – 4.00pm. The registration takes about 20 mins including explanation of our units, recording your details (name, weight, BMI etc) and deposit them into our Volunteer Data Bank. A RM40.00 will be reimbursed as a compensation of your time upon complete registration.
After you done registration, your details will be considered by us to whether fit our criterials for studies or not. We have all sorts of different studies that required different criterials. So please do not worry about whether you are qualified in our current study as you may qualified for next studies. Also, registration doesn’t meant that you must join our studies as this is volunteering and you may reject anytime. So just bring all your friends to register and at the same time to learn more about us.
Contact Details:
Phone: 03-4289 6558
Email: cvm@crc.gov.my
Facebook: CVM Phase I Clinical Trial Unit
Address: CVM-Phase I Clinical Trial Unit
Level 7, Hospital Ampang,
Jalan Mewah Utara, 68000,
Ampang, Selangor.
Monday 19 November 2012
Ghana : Aliu Mahama's final journey home
The body of the late former Vice-President of Ghana, Alhaji Aliu Mahama is being conveyed to his birth place Tamale in the Northern Region for burial.
The body was airlifted from the Airforce Base in Accra.
The deceased's family objected to initial plans to bury him beside the late former president, John Evans Atta Mills in Accra at the Asomdwee Park.
Television pictures showed a simple grave dug in accordance with Islamic traditions in Tamale.
Early Sunday morning, the body of the late former vice president was laid at the State House to enable some selected dignitaries pay their last respect.
Prayers were also held for him at the Black Star Square in Accra during a short funeral ceremony.
His son Farouk Mahama, accompanied by some of his siblings, delivered a tribute saying: "Our late father was a special father...he insisted we do the right thing..."
"Alhaji Aliu Mahama, may the almighty Allah give you eternal rest..."
Presidential candidate of the New Patriotic Party (NPP), Nana Addo Akufo-Addo in a tribute delivered on behalf of the party, said: the NPP has lost a hardworking activist.
"I had my last conversation with him 2 weeks ago in Tamale", he recalled and stated that the former vice president can only rest in peace if full peace and reconciliation in Dagbon was achieved.
"Ghana has lost a patriot and a dignified national, Dagbon has lost its most illustrious son. May the almighty Allah grant him eternal rest."
Former President John Agyekum Kufuor in his tribute said Aliu Mahama “was not only my Vice President but my brother…We grew closer together and our families became close”.
My family shares deeply in the pain his demise has caused, he was the best veep any president would ever want to have, Mr Kufuor said and noted that throughout his eight-year rule, he and the late veep had no notable disagreements.
The body was airlifted from the Airforce Base in Accra.
The deceased's family objected to initial plans to bury him beside the late former president, John Evans Atta Mills in Accra at the Asomdwee Park.
Television pictures showed a simple grave dug in accordance with Islamic traditions in Tamale.
Early Sunday morning, the body of the late former vice president was laid at the State House to enable some selected dignitaries pay their last respect.
Prayers were also held for him at the Black Star Square in Accra during a short funeral ceremony.
His son Farouk Mahama, accompanied by some of his siblings, delivered a tribute saying: "Our late father was a special father...he insisted we do the right thing..."
"Alhaji Aliu Mahama, may the almighty Allah give you eternal rest..."
Presidential candidate of the New Patriotic Party (NPP), Nana Addo Akufo-Addo in a tribute delivered on behalf of the party, said: the NPP has lost a hardworking activist.
"I had my last conversation with him 2 weeks ago in Tamale", he recalled and stated that the former vice president can only rest in peace if full peace and reconciliation in Dagbon was achieved.
"Ghana has lost a patriot and a dignified national, Dagbon has lost its most illustrious son. May the almighty Allah grant him eternal rest."
Former President John Agyekum Kufuor in his tribute said Aliu Mahama “was not only my Vice President but my brother…We grew closer together and our families became close”.
My family shares deeply in the pain his demise has caused, he was the best veep any president would ever want to have, Mr Kufuor said and noted that throughout his eight-year rule, he and the late veep had no notable disagreements.
WAHL Hair Clipper Oil
Keep clipper blades clean and lubricated
Description
Wahl Clipper Oil is specially formulated to keep clipper blades clean and lubricated. Apply regularly to teeth and bearing surfaces of blades to help maximize clipper performance and ensure longer blade life. Wahl Clipper Oil is colorless and odorless. Apply when blade becomes noisy, leaves track marks, or skips fine hairs. Wahl Clipper Oil may also be used on shears
•Specially designed for Wahl electric clippers
•Ensures optimum performance
•Prevents rust
•Extends the life of the clipper
Made
USA
Size
4 oz.
Description
Wahl Clipper Oil is specially formulated to keep clipper blades clean and lubricated. Apply regularly to teeth and bearing surfaces of blades to help maximize clipper performance and ensure longer blade life. Wahl Clipper Oil is colorless and odorless. Apply when blade becomes noisy, leaves track marks, or skips fine hairs. Wahl Clipper Oil may also be used on shears
•Specially designed for Wahl electric clippers
•Ensures optimum performance
•Prevents rust
•Extends the life of the clipper
Made
USA
Size
4 oz.
WAHL Super Taper
WAHL Super Taper - Promotion Price RM120 / RM150 from varies supplier
Best Supplier: Sin Lin, level 3 Sungai Wang Plaza or Tai Luen, Jalan Baba Nyonya
Designed for the busy stylist barber. Ideal for all hair works. Absolutely heavy duty
Description
WAHL'S No.1 selling clipper
Extremely reliable heavy duty shunt motor to provide high power and reliability
These clippers are designed to last for years on daily use basis.
Super quiet and easy running
Easy & simple power switch and blades lever for overlap adjustment
Precision blades adjust to 0.8mm for extra precise clipping
Parts included
1. Cutting length adjustment lever
2. On/off switch
3. Mains cable
4. Adjusting screw
5. Blade guard
6. Oil for cutting set
7. Cleaning brush
8. 4 plastic attachment combs (3mm, 6mm, 10mm, 13mm)
Voltage
220V, 50Hz
Made
USA
Best Supplier: Sin Lin, level 3 Sungai Wang Plaza or Tai Luen, Jalan Baba Nyonya
Designed for the busy stylist barber. Ideal for all hair works. Absolutely heavy duty
Description
WAHL'S No.1 selling clipper
Extremely reliable heavy duty shunt motor to provide high power and reliability
These clippers are designed to last for years on daily use basis.
Super quiet and easy running
Easy & simple power switch and blades lever for overlap adjustment
Precision blades adjust to 0.8mm for extra precise clipping
Parts included
1. Cutting length adjustment lever
2. On/off switch
3. Mains cable
4. Adjusting screw
5. Blade guard
6. Oil for cutting set
7. Cleaning brush
8. 4 plastic attachment combs (3mm, 6mm, 10mm, 13mm)
Voltage
220V, 50Hz
Made
USA
Kwasi's have a Hair Cut
Finally! He is agreed to cut his hair and as a return I' ve to bring him to Mid Valley- actually he is requesting to have a kitten. But oppps...your daddy will not allowed at all!
Sunday 18 November 2012
We should not write "InshaAllah"
IMPORTANT MESSAGE
We Should Not Write It As "InshaAllah" or "Inshallah" Because It Means "Create ALLAH" (naozobil lah).. Wheather Arabic Or English.. Please Make Sure We Write It Properly As "In Shaa ALLAH" (In 3 seperate words) This Means "If ALLAH Wills" So Make Sure You Forward This To Every1.. & Help Them To Correct Their Mistake Too.. JazakALLAH Khair.. In Shaa ALLAH
C & P: Dr Zakir Naik Fan Club Official
We Should Not Write It As "InshaAllah" or "Inshallah" Because It Means "Create ALLAH" (naozobil lah).. Wheather Arabic Or English.. Please Make Sure We Write It Properly As "In Shaa ALLAH" (In 3 seperate words) This Means "If ALLAH Wills" So Make Sure You Forward This To Every1.. & Help Them To Correct Their Mistake Too.. JazakALLAH Khair.. In Shaa ALLAH
C & P: Dr Zakir Naik Fan Club Official
Channelling love
There is So Much More…
Let your spirit take you on a journey. You can travel the world and your body remain where it is. You can fly. You can experience wonders you thought you would never see.
Extend yourself, take the next step. When you go within and connect with your spirit you will not be able to deny the universal truth that we are all connected. That all is possible.
Your attachment to the material world holds you back, that, and the belief, that what you have now is all that exists. There is so much more than just your physical or intellectual being. Use the power that you have, that exists in all. Embrace the truth that you are source in form and expression. Look past the obvious and hear the unspoken, feel the untouchable and see the intangible.
Expand your consciousness, you are capable of so much more.
~ Channelling Love ♥
Let your spirit take you on a journey. You can travel the world and your body remain where it is. You can fly. You can experience wonders you thought you would never see.
Extend yourself, take the next step. When you go within and connect with your spirit you will not be able to deny the universal truth that we are all connected. That all is possible.
Your attachment to the material world holds you back, that, and the belief, that what you have now is all that exists. There is so much more than just your physical or intellectual being. Use the power that you have, that exists in all. Embrace the truth that you are source in form and expression. Look past the obvious and hear the unspoken, feel the untouchable and see the intangible.
Expand your consciousness, you are capable of so much more.
~ Channelling Love ♥
Wednesday 14 November 2012
Durian Crepe @ Durian Pancake
After reviewing some comments about durian's crepe i've brought some from Mid Valley- The Garden.
~ Taste: Emmmm...Delious!
~ Location: Push chart heading to The Garden, Mid Valley.
~ Price: RM 10.00 for 6 pcs or RM4.00 for 2 pcs
~ Taste: Emmmm...Delious!
~ Location: Push chart heading to The Garden, Mid Valley.
~ Price: RM 10.00 for 6 pcs or RM4.00 for 2 pcs
Kwasi @ Kizsport & Gym, Bangsar Village II
Just spending some good moments with my little boy @ Kizsports & Gym, Bangsar Village II. I wish i could have my own Kizsports, really my big dream!
Friday 9 November 2012
Retreat at Thai Odessy, Bangsar Village II
Just to get some pampered Thai aromatheraphy massage from professional Thai masseuse...
Come home with big smiles :) and fully statisfied with the services. I was my favourite spots after Warisan Ibunda by Hajjah Umi- Royale Masseuse for His & Her Royale Highness of Malaysia, Tuanku Sultan Mizan Zainal Abidin & Tuanku Sultanah Nur Zahirah.
Come home with big smiles :) and fully statisfied with the services. I was my favourite spots after Warisan Ibunda by Hajjah Umi- Royale Masseuse for His & Her Royale Highness of Malaysia, Tuanku Sultan Mizan Zainal Abidin & Tuanku Sultanah Nur Zahirah.
Cornrow - ooOooOuchhh so painful
Ooohhhhhh My Godddddd! Did you know that it was so painful to do this hairstyle as our scalp is so soft. Its was done by my hairstyle Umu! Nice yet painful! Hubby said " I looked so sweet with this style" Emmm, really? It only can last long for 3 days and i've to removed due to uncomfortablenest and so dificult to sleep . Hehe, he thought I would wear this hair for a month at least. Oh sorry dear, I can't!
My hanky penky hair style
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