myLIFEinvest

Assalamualakum w.b.t., My journey to Lumut and Melaka will come to end tomorrow for this time. My intention this time is to share my views on the foods that we pay for. Anywhere we go, when starving for sure we will look for foods. How tasty and how much it will cost you. Some places we go, the price is so expensive but the taste not really good. So from sharing views we can get the value buy for the food and as customer we have right to get what we pay for. My comparison is being made based on my eating experience in previous days. One day we go eat to one places it tastes is marvelous but after a period of time when we go back its turn oppositely. It is very hard to maintain the food taste and preparation quality I think. For Muslims, when eating we should start with doa and end also with doa. Below is also for my remembrance. Now lets see what, I have today for lunch and dinner. After brought my children to "Taman Rama-rama dan R...

Assalamualaikum w.b.t., I'm in Melaka now and hopefully until monday.  My last visit to Melaka was 6 year ago and having a good "ikan bakar dinner" at Umbai and Serkam. I'm sick yesterday due to throat infection. Just getting better after took medicine from Elis Clinic, Melaka. Having a lunch at Nasi Ayam Singapore not far away from Hang Jebat Stadium. Taste fine (average). Here everything about nasi ayam including nasi goreng ayam. Melaka is  paradise for Asam Pedas. Browse through recommendation in internet for asam pedas which were most recommended for Hajjah Mona and  Abg Piee. So for today dinner we went to Hajjah Mona Asam Pedas since its location is available in GPS. Asam pedas usually cook in many ways, but the taste should consist of "pedas" and "asam". Lady finger (bendi) also usually added as a mixture of asam pedas. Asam pedas Hajjah Mona is served together with white rice, bean sprout and salty egg. We ordered asam pedas pa...

Assalamualaikum w.b.t., Today final dinner in Lumut brought me to Ikan Bakar Lumut that was suggested by one of Orient Star Hotel staff. He said this restaurant much better than D'Muara and Villa Ikan Bakar. Ordered "ikan bakar", squid fritter and butter prawn. Same like Teluk Muroh Ikan Bakar, I only can give mark below than  an average. Squid fritter is hard and butter prawn turn to egg prawn. Fish also not fresh and the sauce come with ikan bakar need an improvement. What ever, it is my "rezeki" and should thank Allah s.w.t. for the foods, Alhamdulillah... At first I taught in Lumut, it is easy to eat fresh fine cook seafood   at reasonable price from breakfast to dinner, but since monday I had been here, it is not as what I taught. Wallah hu 'alam.

Assalamualaikum w.b.t., Have you been to Pangkor / Lumut a famous Island / Jetty in Perak? After long time I think 13 years, now I at Lumut again. Many changes happened around here and it was fast developed compare to last visit. Many people said, Lumut is paradise for seafood (ikan bakar) and dried seafood such "satay ikan, keropok pangkor, sotong madu, etc). Like other people that came to Lumut, dried seafood for souvenir is the best selection for friends and neighbour. Yesterday, I bought  for a sample of "satay ikan, keropok, sotong kering madu"  three for RM10.00 at one shop infront of Jetty to Pangkor. Many souvenir, food stall and dried seafood shop there. My goodness! I pretty lucky, Alhamdulillah not purchase in bulk yet. After opened for a taste, do you know what I discovered? Picture means thousand words. Satay ikan consider just okey but a bit hard. Keropok strong stuffy smell and squid "masyaallah" taste good but "fungi" are every w...

Two article below showing a good progression of  new model of higher income economy. Many people stuck in debt due to they feel their payment is higher in new income model, but some of them did not understand that, if the cost of living become higher than what is the meaning of higher income model. The model is for you to window shop only. Higher income do mean to me, higher income but not afford to buy since the raising of goods price is higher in multiple mangnitude compare to the salary increament. image from: loanlenders.blog.com --------- Thestar: Tuesday November 22, 2011 Property sector to feel impact from tighter lending, slower sales PETALING JAYA: The winds buffeting the property industry may become stronger with the introduction of guidelines by Bank Negara to rein in household debt which becomes effective from Jan 1. RHB Research Institute Sdn Bhd analyst Loong Kok Wen said in a report that these regulations would have an impact on t...

Thank you for sharing  your experience and really NO SHORT-CUT TO SUCCESS!!! But i see around us there are many "MEE SEGERA PROJECT" that  for certain people absolutely can really make money easily such when doing cattle farming project (Ehhhmmm!). Now many people are dreaming of doing own business. Some with own paid up capital and some with bank loan. But I sure not many will get soft loan from government. How easy is doing business? Do become as MLM dealer is good business? Dealer for Insurance and Personal Financial Planning is prospectful business?? How many of us just end up in MLM as a user only after one MLM to another MLM and losing capital without constructive gain? And the worst, some stuck in bank loan just to become as a MLM trader.. I'm still wondering what business is the best and suit me best...???  Is there any business that no pain at all? Working from home is really the way to reduce operational cos? Or at last end up by hiking up of house ...

Some says syukur with RM100.00, at least get something rather than nothing. Yup, hope everybody happy with RM100.00. I still waiting for LHDN/Tax refund. Until now didn't get refund yet. They ask to send all copies of receipt I did. Call LHDN, they said need to wait can't check since, LHDN data center move to cyberjaya can't check... funny dummy... If late pay tax or declare you will be fined... But when late refund many excuses... Let say your tax refund RM5000.00 what can you do with that money??? Invest in ASB how much can you get return, if 8% then should profit you  RM250.00... or invest in Gold let say you gain 10% than should profit you RM500.00... If you smart enough in BSKL you can gain let say at least 30% then profit you RM1500.00... or the worst let say in fixed deposit/islamic banking  of  4% then your gain is RM125.00 Meaning that LHDN should "busuk-busuk" pay me at least for their inefficiency  of RM250.00 for every RM5000.00 refund I reme...

Assalamualaikum w.b.t., For those who got children at Sekolah Rendah and Menengah, there will RM100 give away under budget 2012 to ease parent "for back to school" preparation. Some schools already start deliver this subsidy. But please alert , from the letter that I received it is only for few days only. Other school I don't know and don't forget to check. Please don't hesitate to claim even though for some people this is only very small amount comparing to the back to school preparation cost. This is your money, come from tax you pay. If you don't want to use for your self, you can send the money to charity, "sadakah ke masjid", "sadakah ke rumah anak yatim" and etc. There are many orphans need your attention for back to school preparation. May Allah bless you for your kindness. Wassalam.

I still believe if the right time entering and exiting unit trust (shariah compliant) more profit can be attained and much better compare to EPF (investment integrity and "riba" issue) with lesser dividend. Thestar: Saturday November 12, 2011 High fees dampener for unit trust By DALJIT DHESI daljit@thestar.com.my Unit trusts are gaining popularity among investors as an important source of investment and retirement savings. But are investors getting a fair deal from the high charges being imposed by the industry and will lower charges really mean better returns for investors? THERE is nothing that really fazes a seasoned investor. They are used to losing and making money on the stock market. They understand the game. But if there's one thing that irks veteran investor Jason Yap, who has been a unit trust investor for a decade, is that he already starts losing money before he has a chance to make a profit. What irritates Yap, who is a retiree, is the...

Ring! Ring! Ring! Ring! Nuclear plant? Tariff hike? S.O.S EPF? Ring for ruler change, more suitable I think.... Thestar: Monday November 7, 2011 Tenaga faces cash shortage By YAP LENG KUEN lengkuen@thestar.com.my High cost of alternative fuels draining utility’s money PETALING JAYA: The situation confronting the power sector is becoming more convoluted by the day. Tenaga Nasional Bhd (TNB) is crying foul over its cash running out as it struggles to pay for the high cost of alternative fuels. This follows another gas supply shortage occurring this time on a larger scale. There were suggestions of cost-sharing, based on the previous experience in 2002, on a ratio of 40:30:30, to be borne by the gas supplier Petroliam Nasional Bhd (Petronas), TNB itself and the independent power producers (IPPs). But that seems to have fallen on deaf ears. While TNB says it is no longer able to pay, the IPPs are saying there is obligation to pay. Meanwhile, Petronas says that up ...

Assalamualaikum w.b.t., Jika diizinkan oleh Allah s.w.t. dengan rahmatnya masih memberikan kita ruang untuk terus menghirup udara esok hari yang merupakan 9 Zulhijjah hari wukuf bagi mereka yang mengerjakan Haji dan peluang untuk kita sama-sama mengejar satu lagi hari berbaki untuk direbut dalam bulan ini untuk mendapat ganjaran berganda dengan mengerjakan puasa sunat 9 zulhijjah. Puasa hari Arafah ialah puasa sunat pada hari kesembilan Dzulhijjah yang disunatkan bagi mereka yang tidak melakukan ibadah haji. Kelebihan berpuasa pada hari ini ialah ia dapat menghapuskan dosa-dosa setahun yang telah lalu dan dosa setahun yang akan datang, sebagaimana hadis yang telah diriwayatkan daripada Abu Qatadah al-Anshari ra: Dan Rasulullah SAW ditanya tentang berpuasa di hari ‘Arafah. Maka Baginda bersabda: “Ia menebus dosa setahun yang telah lalu dan setahun yang akan datang.” (Hadith Riwayat Imam Muslim) Sempena Sambutan Aidil Adha yang bakal menjelang, disusun sepuluh jari mohon kemaafan sahabat...

Now you see! Now you don't...! Do 2010 audit report is correct???? Very scary.... If true then no wonder why dividend being paid so low..... and... do syariah compliance in here???? Any comment? Malaysiakini: EPF loaned RM55bil without gov't guarantee backing Aidila Razak 1:43PM Oct 28, 2011 The Employees Provident Fund (EPF) approved loans worth an astounding RM55.1 billion not backed by government guarantees. However, the Auditor-General’s Report 2010 found only one of the 13 debtors was qualified to obtain a loan

Assalamualaikum w.b.t., Ha! Ha!... Panelized! Penalty! Do pinch your tax payer hardly... They are not your voters anymore... But how with tax refund??? Until now didn't get my refund yet..??? What the hypocrite of the policy was... still want to make business with tax payer money...???  Isshhhh! Ishhhh! Labu! Labu!.... This is very fair policy indeeeeeddd! You don't declare and pay, you will be fined... You get late tax refund, no profit being return to you...  So please think your valuable vote in the next election... ---- Thestar: Tuesday October 18, 2011 Tax payers to feel pinch as Govt increases compliance enforcement By FINTAN NG fintan@thestar.com.my PETALING JAYA: Tax payers will start to feel the pinch as the Government intensifies efforts to increase compliance via several amendments to the Income Tax Act 1967 as part of measures to reform the country's finances. However, tax specialists felt that there should be more open discussi...

Seperti mana dibincangkan sebelum ini di tautan ( Kadar Pinjaman Kenderaan / Hire Purchase Rate & MPV mana yang berbaloi untuk dimiliki) di bawah adalah sepintas lalu  harga MPV kelas menengah yang mendapat perhatian di Malaysia. Keluasan dan fungsi binaan dalam juga berbeza bagi MPV di bawah.  Harga biasanya akan berubah bergantung kepada tawaran khusus oleh penjual dan aksesori yang diminta. Di bawah sekadar untuk rujukan. 1) Kia Rondo (Naza Citra II) 2.0 Naza Citra II Rondo EX – RM84,888 Naza Citra II Rondo EXS – RM88,888 2) Nissan Grand Livina 1.8  RM98,800.00 3) Kia Citra RS/SE (special Edition) 2.0  RM64,088.00 4) Chery Eastar Full Spec/w sun roof 2.0  RM 83,988 5) Proton Exora H-line (A) 1.6 RM76,998.00 6) Perodua Alza (A) Ezi 1.5 RM69.990.00

Assalamualaikum w.b.t., Belanjawan 2012 telah dibentangkan oleh PM Malaysia XXX. Alhamdulillah tiada pengecualian cukai tambahan bagi perhiasan-perhiasan mewah termasuk under wear import oleh beliau. Belanjawan ini juga tiada yang specialnya kepada majoriti rakyat secara umumnya yang akan menghadapi bebanan kos sara hidup yang bakal meningkat selepas pilihan raya ke 13 nanti. Dalam diam tak diam, cukai perkhidmatan telekomunikasi juga telah dikenakan oleh beberapa pengendali sistem telekomunikasi sehingga 6%. Yang ditangguhkan sementara adalah cukai berkaitan dengan pre-paid sahaja. Dalam belanjawan ini juga kenaikan gaji telah diberikan kepada kakitangan perkhidmatan awam di antara 7%-15% sepertimana yang pernah dikhabar anginkan link di sini , maka benarlah berita itu. Apa pun diucapkan tahniah semoga rezeki tambahan ini akan membawa erti seribu makna untuk berkhidmat dengan tulus, ikhlas dan jujur untuk kesejateraan rakyat. Agak mengecewakan juga apabila menteri-menteri dan ...

Assalamualaikum w.b.t., "LINK-KLIK: Refreshing 2009 post: Bulan Zulhijjah akan menjelma dua-tiga hari lagi. Rebutlah pelaburan yang tiada tolok bandingnya dijanjikan untuk kita bagi bekalan akhirat kita. Adakah ibadah haji di makkah? Sudah pasti yea untuk mereka yang menjadi tetamu Allah s.w.t., tetapi bagi kita yang masih belum berpeluang untuk mengerjakan haji, jangan bersedih, insyaallah satu masa nanti Allah s.w.t. akan menjemput kita ke sana juga. Nabi s.a.w.bersabda : “Tiada suatu hari pun amalan kebaikan padanya mempunyai kelebihan melainkan pada hari-hari ini, iaitu sepuluh hari Zulhijjah. Para sahabat Baginda bertanya: Apakah juga (pengecualian itu) termasuk jihad pada jalan Allah? Ujar Baginda: Tidak juga (termasuk) berjihad pada jalan Allah kecuali bagi seorang yang keluar dengan jiwa raga dan hartanya dan tidak membawa pulang apa-apa pun.” (H.r. Bukhari)." Berkorban melalui SALURAN-1 : Muslim Aid (Korban For Life) - RM380.00/ekor kamb...

Can we consider... the exchange rate MY to SIN$, 1SIN$ = RM2.44... Ahhhhh! Lets take example for tax rate comparison below afffterrr the conversion. Like our ruling party government always do for subsidy cut especially on the petrol. Malaysia: RM70,000 - RM100,00 ( tax rate : 24%) Singapore: Sin$80,000 - Sin$160,000 = RM195,000 - RM390,400 ( tax rate: 14% ) Mmmm! I see! I see! Do we still the best...?? Hope "Rahsia Besar" won't turn to "Temberang Besar"... We see later.. ---- Thestar: Friday October 7, 2011 Budget: Mr Prime Minister, please ease the pain of mid-income group Friday Reflections - By B.K. Sidhu AS in past years, the tabling of the Budget today brings the promise of goodies. But unlike before, this year everyone has a chance to tell the Prime Minister what they expect in Budget 2012. Datuk Seri Najib Razak opened the lines of communication via his website, Facebook and Twitter , and anyone could share his or her tho...

Assalamualaikum w.b.t., Hari ini banyak email diterima berhubung kematian Steve Job pengasas syarikat Apple yang terkenal dengan pengeluaran komputer, IPAD dan sebagainya disebabkan mengidap kanser... Wah! begitu kalut sekali apabila kematian orang-orang kenamaan yang terkenal seperti beliau... Namun adakah kita bermuhasabah yang kematian saban masa menghambat kita??? Peringatan ini semata-mata untuk diri ku yang selalu lupa dan malas untuk beribadah.... Hidup ini hanya sementara. Yang berkuasa mati, yang terkenal juga mati, yang zalim binasa, yang miskin ajal menjemput juga.... Dipetik sedikit ucapan beliau di Stanford untuk renungan kita, cerita kematian (rujuk yang diwarnakan merah): " When I was 17, I read a quote that went something like: “If you live each day as if it was your last, someday you’ll most certainly be right.” It made an impression on me, and since then, for the past 33 years, I have looked in the mirror every morning and asked myself: “If today...