Creating Wealth - Use your EPF savings to generate Money

Thursday, December 4, 2008

Thank You

THANK YOU EVERYBODY!

Monday, October 27, 2008

eDU eXCEL Tuition Centre



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.

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.

Gathering Raya Ikhwan

Gathering Raya tahun ini diadakan dirumah 'saya' di Sg Ara.
Hampir semua brothers datang namun seperti biasa....semua tak punctual!



Kepada yang tak dapat datang untuk menjamu selera.....jamulah mata anda....silalah...satay ada..dadih ada!
Dan yang paling best...Kek Raya Ikhwan pun ada!

Ikhwan-3 tu sebab...ni kalu ke-3 kita buat gathering raya secara rasmi.
Tahun depan rumah siapa lak?

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


Takbir di Halfway Rd


Takbir di Kampung Jawa


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!

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.

Engr Mohamad Abu Huzaifah
Unit Trust Consultant
019-5756400
huzaifahm@yahoo.com

You can just leave a sms for me if you want me to call you.

Happy investing!

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.

Wednesday, September 24, 2008

Travelogue Haji - My Hajj Experience - Makkah

A Picture Worth A Thousand words

People are flocking the Kaabah to complete the Tawaf of Hajj.


View of The Kaabah from 2nd floor.


My room mates. Everbody were geared up ready for our return flight to Malaysia.



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

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.

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?



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:
  • 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.
It is essential that these skills be learned, that the brain be trained

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

Hydropolis, UAE

Hydropolis, the world's first underwater hotel. Entirely built in Germany and then assembled in Dubai, it is scheduled to be completed by 2009 after many delays.

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.

Friday, September 5, 2008

Mind & Parenting Skill

Auditorium A, Komtar Penang

On the Merdeka eve, i with my brother & few of my frens attended a motivation talk in Auditorium, Komtar, Penang.

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.

Master Rahim In Action

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.

Some of the participants

Overall we really enjoyed the talk. Hope to participate in his 5 days workshop end of this year.

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

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.

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
Screen Size : 2.8 inch, 240 x 320, touchscreen
Screen Color : TFT 262K colors
Design
Type : Blok
QWERTY-Keyboard : Yes
Navigation Key : 5 way Navigation Key, 3 way jog wheel
Antenna : Fixed Internal
Memory
Internal(MB) : 256 MB ROM / 128 MB SDRAM
Expansion : microSD (T-Flash)
Battery
Battery Type : Li - Ion 1350 mAh
Stand-by (hrs) : 365
TalkTime(min) : 420
Entertainment
Ringtones
Polyphonic :
Customization : MIDI, MP3, AAC, AAC+, WMA, WAV, and AMR-NB
MP3 Yes
A2DP Yes
TV Receiver Null
FM Radio No
Video Record Yes
Messaging
SMS Yes
MMS Yes
EMS No
Email 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

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.

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.