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.

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

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?

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.

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.

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.

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