Thursday, December 4, 2008
Monday, October 27, 2008
Tuesday, October 14, 2008
Fish Spa
While attending a course in Bangi, i got chance to try the Fish Spa. Fish Spa or FISHO is where you put your leg in a pool full of fish. The fish nibble your skin dead skin away. It also give a mild massage effect.
Does it hurt? No! I just felt ticklish a bit at first and after a while i got used to it.
It was a intresting experience though.
Have a try! There's one new spa just opened in Queens Bay Mall, Penang.
Does it hurt? No! I just felt ticklish a bit at first and after a while i got used to it.
It was a intresting experience though.
Have a try! There's one new spa just opened in Queens Bay Mall, Penang.
Labels:
Personal
Thursday, October 9, 2008
Banjir Raya
Sehari sebelum Raya, Penang dilanda banjir. Antara kawasan yang laing teruk dilanda banjir ialah kawasan Jalan P-Ramlee.
Air mengalir begitu deras sekali dijalan masuk utama ke kampung ini. 3/4 tingkat bawah semua rumah disepanjang jalan tersebut ditenggelami air.
Ini adalah kali ke-2 banjir sebegini besar berlaku di kawasan ini dalam masa 1 bulan.
Air Sungai dah overflow melimpahi benteng sungai.
Pasukan Bomba terpaksa menggunakan bot untuk membawa mangsa banjir keluar dari rumah mereka.
Labels:
Personal
Gathering Raya Ikhwan
Gathering Raya tahun ini diadakan dirumah 'saya' di Sg Ara.
Hampir semua brothers datang namun seperti biasa....semua tak punctual!
Hampir semua brothers datang namun seperti biasa....semua tak punctual!
Labels:
Personal
Monday, October 6, 2008
Takbir Raya Ikhwan
Takbir Raya Ikhwan yang Ke-XX
Takbir Raya Ikhwan telah diadakan dengan jayanya tahun ini yang disertai oleh hampir semua Ikhwan.Kami mula berkumpul di Masjid Bayan Bayan Baru untuk Solat Isyak dan dari situ majlis takbir raya dimulakan. berikut adalah turutan rumah Ikhwan untuk takbir raya.
1. Dr Shahul - Bayan Baru
2. Bro Zaid - Kampung Jawa
3. Bro Salleh - Sg 2
4. Bro Yasser - Rifle Range
5. Bro Huzai - Tmn abidin
6. Bro Anis - Halfway Rd
7. Bro Ridu - Azuria
Labels:
Personal
Thursday, September 25, 2008
Bubur Lambuk Free!
Kacau jangan tak kacau!
Alhamdulillah, kat tempat kerja hari ni, kami bergotong royong menyediakan 4 periuk bumbur lambuk (3 periuk bubur daging dan 1 periuk special punyer, udang) yang diedarkan untuk semua warga kerja syarikat dan juga kepada cawangan-cawangan lain disekitar Pulau Pinang.
It was an awesome experience having a chance to be part of it.
Kacau jangan tak kacau!
Alhamdulillah, kat tempat kerja hari ni, kami bergotong royong menyediakan 4 periuk bumbur lambuk (3 periuk bubur daging dan 1 periuk special punyer, udang) yang diedarkan untuk semua warga kerja syarikat dan juga kepada cawangan-cawangan lain disekitar Pulau Pinang.
It was an awesome experience having a chance to be part of it.
Kacau jangan tak kacau!
Labels:
Personal
How do i invest in Unit Trust
You can invest in Unit Trust:
1. Using cash money - investing lump sump and by investing monthly
Initial lump sum investment can be done with minumum initial investment of RM1000 and monthly investment via direct debit or monthly bank-in can be done from minimum of RM100.
2. Using your EPF Account No.1 money. Please read the condition here.
Public Mutual is one of the famous Unit Trust Company.
Public Mutual Berhad (Public Mutual) is the largest private unit trust company in Malaysia and currently manages 67 funds with total NAV of more than RM26.3 billion for more than 1,800,000 accountholders. Incorporated in July 1975, Public Mutual began its operations in 1980 with the launch of the Public Savings Fund, and soon went on to become an industry leader and setting forth new trends in innovative fund development.
Public Mutual has won numerous awards throught these years.
For more information on Unit Trust, you can always contact me. Im a certified Unit Trust Consultant attached with Public Mutual.
You can just leave a sms for me if you want me to call you.
Happy investing!
1. Using cash money - investing lump sump and by investing monthly
Initial lump sum investment can be done with minumum initial investment of RM1000 and monthly investment via direct debit or monthly bank-in can be done from minimum of RM100.
2. Using your EPF Account No.1 money. Please read the condition here.
Public Mutual is one of the famous Unit Trust Company.
Public Mutual Berhad (Public Mutual) is the largest private unit trust company in Malaysia and currently manages 67 funds with total NAV of more than RM26.3 billion for more than 1,800,000 accountholders. Incorporated in July 1975, Public Mutual began its operations in 1980 with the launch of the Public Savings Fund, and soon went on to become an industry leader and setting forth new trends in innovative fund development.
Public Mutual has won numerous awards throught these years.
For more information on Unit Trust, you can always contact me. Im a certified Unit Trust Consultant attached with Public Mutual.
Unit Trust Consultant
019-5756400
huzaifahm@yahoo.com
019-5756400
huzaifahm@yahoo.com
You can just leave a sms for me if you want me to call you.
Happy investing!
Labels:
Investment,
Unit Trust
Tony Buzan in Penang
Its a great news for all the lovers of mind mapps!
Tony is coming to Penang. He is expected to give a talk on "Studying Smart - The Tony Buzan Way!".
The details of the talk is as follows:-
Date : 13 October 2008, Monday
Venue : College Auditorium, Tunku Abdul Rahman College (TARC) Penang Branch,
Time : 2.00p.m. to 4.00p.m.
The admission is Free.
Please make your reservations before 7 October 2008 by contacting the person listed below:-
a. Ms. Lim Lay Sim - (04-899 5230 ext.156)
b. Ms. Yap Ee Na - (04-899 5230 ext. 103)
Thanx to the TARC for arranging such a benificial session with one of the Mind Guru at absolutely no cost.
Tony is coming to Penang. He is expected to give a talk on "Studying Smart - The Tony Buzan Way!".
The details of the talk is as follows:-
Date : 13 October 2008, Monday
Venue : College Auditorium, Tunku Abdul Rahman College (TARC) Penang Branch,
Time : 2.00p.m. to 4.00p.m.
The admission is Free.
Please make your reservations before 7 October 2008 by contacting the person listed below:-
a. Ms. Lim Lay Sim - (04-899 5230 ext.156)
b. Ms. Yap Ee Na - (04-899 5230 ext. 103)
Thanx to the TARC for arranging such a benificial session with one of the Mind Guru at absolutely no cost.
Labels:
Motivation,
Self Improvement
Wednesday, September 24, 2008
Travelogue Haji - My Hajj Experience - Makkah
A Picture Worth A Thousand words
Video of people performing tawaf.
I took this video while waiting for our return flight to Malaysia at Jeddah Hajj Terminal.
This terminal will only be used during the time of Hajj.
travelogue haji, travelogue hajj
Labels:
Travelogue Haji
Monday, September 22, 2008
What is Unit Trust?
A unit trust fund is a collective investment scheme, which pools the savings of investors with similar investment objectives in a special "trust" fund managed by professional fund managers.
The pooled monies in the unit trust fund will then be invested in a diversified portfolio of securities and other assets in accordance with the unit trust fund's investment objectives and as permitted under the Securities Commission's (SC) Guidelines on Unit Trust Funds.
The investment scheme of a unit trust fund can be illustrated as a tripartite relationship between the manager, the trustee and the unitholders.
The manager is responsible for the management and operations of the unit trust fund whilst the trustee holds all the assets of the unit trust fund.
The obligations and rights of each of the three parties are specified in the Deed, (a legal document entered into between the manager and the trustee, and registered with the SC).
The Deed regulates the duties and responsibilities of the manager and the trustee with regard to the operations of the trust fund and protects the unitholders' interests.
The pooled monies in the unit trust fund will then be invested in a diversified portfolio of securities and other assets in accordance with the unit trust fund's investment objectives and as permitted under the Securities Commission's (SC) Guidelines on Unit Trust Funds.
The investment scheme of a unit trust fund can be illustrated as a tripartite relationship between the manager, the trustee and the unitholders.
The manager is responsible for the management and operations of the unit trust fund whilst the trustee holds all the assets of the unit trust fund.
The obligations and rights of each of the three parties are specified in the Deed, (a legal document entered into between the manager and the trustee, and registered with the SC).
The Deed regulates the duties and responsibilities of the manager and the trustee with regard to the operations of the trust fund and protects the unitholders' interests.
Labels:
Investment,
Unit Trust
Unit Trust Investment - Creating Wealth
1. Unit Trust allows you to keep money i your Unit Trust Account and this money will be invested by the company on your behalf. Unit Trust usually will give a better return than a normal saving account.
2. Amanah Saham Nasional or Amanah Saham Bumiputra are the example of Unit Trust which is controlled by government thru Permodalan Nasional Berhad.
3. Unit Trust has normally given return better than your savings in savings account or even in ASB and also outperformed KWSP dividen. More info here.
To learn more about Unit Trust, click these links below:
What is Unit Trust?
How do i create wealth from my investment in Unit Trust?
How do i invest in Unit Trust?
2. Amanah Saham Nasional or Amanah Saham Bumiputra are the example of Unit Trust which is controlled by government thru Permodalan Nasional Berhad.
3. Unit Trust has normally given return better than your savings in savings account or even in ASB and also outperformed KWSP dividen. More info here.
To learn more about Unit Trust, click these links below:
What is Unit Trust?
How do i create wealth from my investment in Unit Trust?
How do i invest in Unit Trust?
Labels:
Investment,
Unit Trust
Wednesday, September 17, 2008
Buzan Learning Techniques!
CONSIDER... Your brain is a sleeping giant. Many experts believe that we use as little as 1% of our full potential. You have probably spent between 1,000 and 10,000 hours formally learning economics, history, languages, literature, mathematics and political sciences etc. Yet, you will probably only have spent 0 to 10 hours learning:
I am a certified mind mapper & willing to share the knowledge. If anybody intrested to learn these techniques you can always contact me at my email, huzaifahm@yahoo.com
- creative thinking applied to different disciplines
- concentration as a function of time
- memory performance during and after the assimilation of information
- the relationship between brain functions and ageing
- the art of communication for memory
- the nature of vision and it's application to different types of reading
- comprehensive approaches to study and technical reading
- the effect of our modes of thought on habit patterns and change
What about your concentration and comprehension? You have been given content NOT process. Taught what, but not how to learn!
Statistics show that, on average, executives spend:
- 30% of their time reading and sorting through information
- 20% of their time solving problems and thinking creatively
- 20% of their time communicating.
I am a certified mind mapper & willing to share the knowledge. If anybody intrested to learn these techniques you can always contact me at my email, huzaifahm@yahoo.com
Labels:
General Knowledge,
Self Improvement
Sunday, September 7, 2008
Penang Downpour
Its pass midnight but the downpour that started since the morning does'nt seem to stop. I ride thru the rain midday to visit the The Star property show. As the rain was heavy i decided to stop by my quarters at Sg Ara for a while. But the rain did not stop at all. I was worried bout my break fast meal. So i called Pizza Hut n ordered a simple delivery meal. But unfortunately they called me back after a while telling me that they couldnt deliver becoz of the heavy rain.
So at about 7pm i decided to go out to get something to breakfast. The rain havent stopped, its now more than 10hours since it started. At the sg ara junction it one of the junction has already turned into a stream. I quickly got few kuih n nasi campur n returned back home. My brother latter called me telling me that houses along the Jalan P Ramlee has been floded up to 1 storey. May Allah ease the burden of all the people.
So at about 7pm i decided to go out to get something to breakfast. The rain havent stopped, its now more than 10hours since it started. At the sg ara junction it one of the junction has already turned into a stream. I quickly got few kuih n nasi campur n returned back home. My brother latter called me telling me that houses along the Jalan P Ramlee has been floded up to 1 storey. May Allah ease the burden of all the people.
Labels:
Personal
Friday, September 5, 2008
Mind & Parenting Skill
It was conducted by Master Rahim, whom we have invited few years ago to conduct a motivation talk in USM for school student. This talk however was meant for parents.
Knowing Master Rahim, we were enthuastic to learn new things mainly regarding mind as he was famous for his mind power knowledge.
The talk was very benificial as he explained the power of positive thinking. The inner thoughts is the one that build us. If we always have positive inner thoughts...then it will be reflected with positive cracters in us.
He even demonstrated to us how inner thoughts or the thoughts that we have can really effect our body/ physical capability. One of the participant was called and was told repeatedly that his right hand is weak he can't even sequeze a tennis ball if he was given the ball in his hand. Amazinglly he cant sequeze tha ball when given one.
But for me, the important lesson was the answer that he gave for my question. I inquired him on how to stop or change a bad habit. He told us to stop the bad habit & continue to ignore the bad habit at least for 40 days. Acts that we continously do for 40 days will became our habit! so if we stop doing it for 40 days, then we can get rid of that bad habit.
Overall we really enjoyed the talk. Hope to participate in his 5 days workshop end of this year.
Labels:
Motivation,
Personal
Wednesday, September 3, 2008
Honda Hybrid
Price List for Peninsular Malaysia | RM |
---|---|
Selling Price | 158,012.80 |
Road Tax (1 year) | 70.00 |
Registration Fee | 150.00 |
Inspection Fee | 150.00 |
Handling Fee | 50.00 |
Number Plate | 50.00 |
Retail Price (Without Insurance) | 158,482.80 |
Insurance | 4,317.20 |
On-The-Road Price with Insurance | 162,800.00 |
Excise Duty on Imported Vehicles (CBU) and Locally Assembled Vehicles (CKD)
ASEAN (CEPT) | Non-ASEAN (MFN) | |
Type/Engine Capacity | From 22.3.2006 | From 22.3.2006 |
Passenger Car | ||
1800 | 75% | 75% |
> 1800 - 2000 | 80% | 80% |
> 2000 - 2500 | 90% | 90% |
> 2500 - 3000 | 105% | 105% |
> 3000 | *105% | *105% |
*with effect from 1 January 2007 |
Import Duty on Imported (CBU) Vehicles
Type/Engine Capacity | ASEAN (CEPT) | Non-ASEAN (MFN) | ||
From 22.3.2006 | From 22.3.2006 | |||
Import Duty | Sales Tax | Import Duty | Sales Tax | |
Passenger Car | ||||
1800 | 5% | 10% | 30% | 10% |
> 1800 - 2000 | 5% | 10% | 30% | 10% |
> 2000 - 2500 | 5% | 10% | 30% | 10% |
> 2500 - 3000 | 5% | 10% | 30% | 10% |
> 3000 | 5% | 10% | 30% | 10% |
So with announcement of 50% discount on excise duty & 100% discount on the import tax, the Civic Hybrid should only cost around: +/- RM106,023
So...apa lagi...order je la....
teh tarik 1/2 gelas!
'tak boleh'
Engine | |
---|---|
Engine Type | 4 Cylinder, SOHC i-VTEC + IMA |
Fuel Supply System | PGM-FI (Programmed Fuel Injection) |
Bore & Stroke (mm) | 73.0 x 80.0 |
Displacement (cc) | 1,339 |
Compression Ratio | 10.8:1 |
Maximum Power [PS (kW) / rpm] | 95 (70) / 6,000 |
Maximum Torque [Nm (kg-m) / rpm] | 123 (12.5) / 4,600 |
IMA Electric Motor Max Horsepower [PS (kW) / rpm] | 20 (15) / 2,000 |
IMA Electric Motor Max Torque [Nm (kg-m) / rpm] | 103 (10.5) / 0 - 1,160 |
Drive-by-Wire | • |
Transmission | |
Transmission Type | Continuosly Variable Transmission (CVT) |
Drive Wheels | Front |
Steering | |
Gear Type | Rack & Pinion with Power Assisted (Electric Power Steering) |
Overall Steering Ratio | 13.62 |
Turning Radius (m) | 5.4 |
Braking | |
Braking System Type (Front) | Ventilated Disc |
Braking System Type (Rear) | Drum |
Suspension | |
Suspension System (Front) | MacPherson Strut |
Suspension System (Rear) | Independent Double Wishbone |
Dimensions | |
Overall Length (mm) | 4,540 |
Overall Width (mm) | 1,750 |
Overall Height (mm) | 1,430 |
Wheelbase (mm) | 2,700 |
Treads (Front) (mm) | 1,500 |
Treads (Back) (mm) | 1,500 |
Ground Clearance (mm) | 135 |
Weight (kg) | 1,290 |
Tyre Size | 195 / 65 R15 |
Fuel Tank Capacity (Litre) | 50 |
Labels:
General Knowledge
Saturday, August 30, 2008
Public Mutual Road Show at Sek K. Residensi
We had an opportunity to meet many people when we participated Karnival Emas 50 Sek. Keb. Residensi. We were promoting Public Mutual Unit Trust. Me myself meet few intresting people with many of their investment experience really amused me.
Malay being Malay will always have more intrest to Ala Pak Man Telo investment which promises big returns with '0' risk. I tried my best explaining to them the benifit of investing in Unit Trust rather than investing in uncertified investment such as Swiss Cash!
I was really exhausted, many people visited our booth & we were lucky enough as many have at least got some idea what is Unit Trust especially they at least have heard about Public Mutual.
Looking forward to call all my prospect customers who ia hope will still be intrested in investing in Public Mutual.
Malay being Malay will always have more intrest to Ala Pak Man Telo investment which promises big returns with '0' risk. I tried my best explaining to them the benifit of investing in Unit Trust rather than investing in uncertified investment such as Swiss Cash!
I was really exhausted, many people visited our booth & we were lucky enough as many have at least got some idea what is Unit Trust especially they at least have heard about Public Mutual.
Looking forward to call all my prospect customers who ia hope will still be intrested in investing in Public Mutual.
Labels:
Investment,
Unit Trust
Friday, August 29, 2008
HTC TyTN II
Its my dream Phone!
Date Announced | 2007, 3Q | ||||||||
Network Technology | HSDPA/ UMTS / GSM 850 / 900 / 1800 / 1900 | ||||||||
Hardware/Processor | Qualcomm MSM 7200, 400MHz | ||||||||
Dimensions (mm) | 112 x 59 X 19 | ||||||||
Weight (g) | 190 | ||||||||
Display |
| ||||||||
Design |
| ||||||||
Memory |
| ||||||||
Battery |
|
Entertainment | |||||
Ringtones |
| ||||
MP3 | Yes | ||||
A2DP | Yes | ||||
TV Receiver | Null | ||||
FM Radio | No | ||||
Video Record | Yes |
Messaging | |
SMS | Yes |
MMS | Yes |
EMS | No |
Outlook Mobile, Direct Push Email |
Connectivity | |
HSDPA | Yes, 3.6Mbps |
EDGE | Yes |
Bluetooth | Yes, version 2.0 |
3G | Yes |
GPRS | Yes |
Infrared (IrDA) | No |
USB Port | Yes |
WIFI/WLAN | 802.11b/g |
Data Cable | ExtUSB (11-pin mini-USB and audio jack in one) |
Software | |
Java (J2ME) | Yes |
WAP | Yes Ver 2.0 |
Platform / OS | - Professional |
Browser | Internet Explorer Mobile |
Predictive Text Entry | T9 |
Other Application | Windows Live, Windows Media Player, Word Mobile, Excel Mobile, Powerpoint Mobile, PDF viewer, ActiveSync, HTC Audio Manager, TomTom Navigator 6 |
Personals | |
Themes | Yes |
Caller ID | Photo Caller ID |
ProfileID | Yes |
Camera | |
Lens Type | CMOS, 3.0 Megapixel |
Digital zoom | |
Max. Resolution | 2048x1536 (Secondary : VGA) |
Flash | No |
Night Mode | Yes |
Extra Features | Auto focus, Video Call |
Photo Format | |
Video | Yes |
Video Format |
Labels:
Personal
Thursday, August 28, 2008
Nikmat kesihatan
Tengah kursus Trauma n Pre Hospital care. Rasa gerun melihat gambar2 orang kemalangan n sakit. Rasa syukur sgt badan sihat. Nikmat kesihatan ialah nikmat yg plg besar.
Alhamdulillah syukur.
Alhamdulillah syukur.
Saturday, August 23, 2008
Its A Baby Girl
Alhamdulillah, isteri saya selamatkan melahirkan a cute little baby girl pada 20.08.2008.
Gambar baby girl yang baru lahir....memang sebiji macam kakaknya masa dia kecik.
Yang ni gambar kakaknya...masa lebih kurang 40hari selepas lahir.
Im father of 2 lovely girls!
Nama???
Yang sulung namanya Nur Damiya, maksudnya cahaya kebijaksanaan/ keberkatan.
Yang 2nd ni, InsyaAllah namanya ialah Nur Aqeelah, maksudnya cahaya wanita yang pandai.
Gambar baby girl yang baru lahir....memang sebiji macam kakaknya masa dia kecik.
Yang ni gambar kakaknya...masa lebih kurang 40hari selepas lahir.
Im father of 2 lovely girls!
Nama???
Yang sulung namanya Nur Damiya, maksudnya cahaya kebijaksanaan/ keberkatan.
Yang 2nd ni, InsyaAllah namanya ialah Nur Aqeelah, maksudnya cahaya wanita yang pandai.
Labels:
Personal
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