Very good info for the SPM /School leavers...
🔴 Laman UTAMA UPU
👉 http://upu.moe.gov.my
🔴 Borang UPU Online
👉 https://online.mohe.gov.my/upu/onlineupu_2015
🔴 Portal RASMI Kementerian Pendidikan Malaysia (Jabatan Pendidikan Tinggi)
👉 http://upu.moe.gov.my/web
🔴 Facebook RASMI berkaitan UPU
👉 https://www.facebook.com/pages/Kemasukan-BPKP-JPT-FB-rasmi-UPU/646433295426674
🔴 Laman RASMI POLITEKNIK
👉 http://www.politeknik.edu.my
🔴 ePanduan kemasukkan lain-lain agensi
👉 https://online.moe.gov.my/upu/vteilka/fepanduan
🔴 Borang Online kemasukkan ke IKBN
👉 http://eikbn.gov.my/sistemonlineikbn/page1.php
🔴 Senarai IKBN
👉 http://www.kbs.gov.my/index.php/my/2014-02-27-08-44-57/portal-rasmi-iktbn-ikbn
🔴 Permohonan ke Jabatan Tenaga Manusia
👉 http://www.kbs.gov.my/index.php/my/2014-02-27-08-44-57/portal-rasmi-iktbn-ikbn
🔴 Info permohonan CIAST
👉 http://www.ciast.gov.my/v3/index.php/perkhidmatan/orang-awam-pelajar
🔴 Borang online CIAST
👉 http://aplikasi.ciast.gov.my/vto/daftarmasuk.php?sesi::2015//
🔴 Panduan kemasukkan KOLEJ KOMUNITI
👉 http://www.jpkk.edu.my/jpkk/index.php/bahan-media/makluman/569-buku-panduan-kemasukan-pelajar-baharu-2015.html
🔴 Borang Online ke KOLEJ KOMUNITI
👉 http://online.jpkk.edu.my/eborangkk/default_xie.asp
🔴 Info program latihan Kementerian Pertanian
👉 http://www.moa.gov.my/program-latihan-kemahiran-pertanian-kebangsaan
🔴 Info MARA
👉 http://www.ekemahiran.edu.my
🔴 Borang ONLINE MARA
👉 http://apponline.mara.gov.my/spupim
🔴 Info latihan SEPARA PERUBATAN KKM
👉 http://www.spa.gov.my/Portal/Deskripsi_Tugas/LatihanSeparaPerubatan
🔴 Borang online latihan SEPARA PERUBATAN KKM
👉 http://putra6.spa.gov.my/spa8new/login.jsp
➖➖➖➖➖➖➖
SENARAI UNIVERSITI AWAM
➖➖➖➖➖➖➖
🔵UNISZA = https://www.unisza.edu.my
🔵UMK = www.umk.edu.my
🔵.. UNIMAS = http://www.unimas.my
🔵.. USM = http://www.usm.my
🔵.. UIAM = http://www.iium.edu.my
🔵.. UMP = http://www.ump.edu.my
🔵.. UPM = http://www.upm.my
🔵.. UTEM = http://www.utem.edu.my
🔵.. UITM = http://www.uitm.edu.my
🔵.. UMS = http://www.ums.edu.my
🔵.. UPNM = http://www.upnm.edu.my
🔵.. UTHM = http://www.uthm.edu.my
🔵.. UKM = http://www.ukm.my
🔵.. UMT = http://www.umt.edu.my
🔵.. UPSI = http://www.upsi.edu.my
🔵.. UTM = http://www.utm.my
🔵.. UM = http://www.um.edu.my
🔵.. UNIMAP = http://www.unimap.edu.my
🔵.. USIM = http://www.usim.edu.my
🔵.. UUM = http://www.uum.edu.my
🔴 MMU = www.mmu.edu.my
🔴 OUM = www.oum.edu.my
✔ KURSUS PANTAS = http://www.islam.gov.my/en/node/46735
🔶 semak akriditasi/pengiktirafan kursus
: kod MQA/FA XXXX
A XXXX
semak www.mqa.gov.my
Selamat maju jaya
Credit to www.iklan-video.com
Friday, 4 March 2016
Friday, 24 July 2015
Furnished Apartment For Rent: Kota Kinabalu UUC Phase 1, 1st Floor, Blok M-1xx For Rent
This is the mudah advertisement done by someone whose very close to me.. My ex-Gf and upgraded to partner of My Life.
Technology makes things very easy which took less than a day since she published this advertisement, lots of calls/whataspps came in to enquire about this unit.
If everythings goes smooth, this is going to be out second property to produce outcome and it's a good sign for our financial planning.
For those interested, can view more on this advertisement.
http://www.mudah.my/UUC+Phase+1+1st+Floor+Blok+M+1-38205025.htm
If you want to know more about this apartment and what they offered you, can browse the developers website.
Technology makes things very easy which took less than a day since she published this advertisement, lots of calls/whataspps came in to enquire about this unit.
If everythings goes smooth, this is going to be out second property to produce outcome and it's a good sign for our financial planning.
For those interested, can view more on this advertisement.
http://www.mudah.my/UUC+Phase+1+1st+Floor+Blok+M+1-38205025.htm
If you want to know more about this apartment and what they offered you, can browse the developers website.
Please Click Link Below
Thursday, 27 March 2014
ASB Dividend - I Wonder Why Not Many Know How It Computed. Here Is How...
Every early January, ASB office / post office / participated bank (MBB / CIMB & RHB) will be pack with people/ investors. It just simply because of DIVIDEND or what my fellow villagers say 'BUNGA'. I sometimes don't want to miss that 'hectic' queing and waiting to make sure it was printed down in my ASB book.
Ok back to my original attention to write this blog. Back in 2006, I came to read all the details of my 2005 ASB statement from top to bottom and from front to back. Then one of the sentences attract my attention which explains about how the dividend are computed. It explained like this:
Monthly Lowest Account Balance (Jan - Dec) x Dividend Rate
12 Month
After realizing that, I quickly open excel spreadsheet, grab my ASB book and start to work on that formula. Then the result of my spreadsheet calculation are as per Dividend income printed in my ASB book. Lucky that time my ASB balance not that much it took me very quick to get that computation. With that it answers my thought which all the while was wrong. All the while I thought if I put a large sum of money on the end of the year (particulary December because bonus and extra money sometimes come here) and I can earn 'high' dividend. I also made my own perception that to earn more dividend, timing and volume are very important. But of course with my monthly earning, to get a large volume would be a bit hard. But timing is something that I can control.
With that new knowledge I had share to few of my friend which has the same false thought as me. I still remember, my friend Mr AA. After showed him what I found and discuss with him about this 'volume and timing', he took my advise to get the volume. He sacrifice his own ASB and dump all his money to his wife ASB's. With that he can get his volume especially in long term. About the timing, I suggest to him to add investment in month end (ie 30th or 31st each month[working day]) so that it will be captured the first day of next month. For a case he need a money and want to withdraw that investment, he has to make sure to withdraw after it been there for a month. This will really effect if the amount deposited or withdrawn are huge. Imagine if he has extra money of RM50,000 in February which get could from somewhere (loan etc) and need that to pay to something. Put that RM50,000 for at least a month in ASB and the very first day of the following month quickly withdraw (if urgent) and pay for that something. Imagine how much can get if at least can hold for a longer period.
Here are the examples;
1. For at least 1 mth
2. 2 month..
On how to tackle this volume and timing, maybe can consider to look on ASB Loan. 'ASB Loan' has become very attractive package because it covers our Timing & Volume at the same time. It's called lump sump investment. We just need to pay additional interest monthly but in a long term it still profitable I guess. Usually banks personnel will use this as their selling point.
This story actually happened long time ago where I still don't have my blog. The main reason why I wanted to write is yesterday when chit-chatting with my college where our topic was about ASB investment, to my surprise they didn't know this fact. And all the while they thought is as what I thought back in 2005. I assume they won't bother much about ASB dividend as long as that amount get printed in ASB book every year.
As I wrote this, I believe many people already wrote about this topic. Some give examples of many scenarios and some even attached Dividend Calculators. Here a few blog that I found which is very helpful and informative. A big applause to all of them.
http://invest-made-easy.blogspot.com/2013/11/how-amanah-saham-bumiputera-asb_28.html
http://eimiza.net/blog/form2.php
http://www.nadlique.com/index.php/2007/12/calculating-asb-dividends-bonus/
and a lot more in uncle Google database.
Wednesday, 22 January 2014
Pangsapuri Melor Seksyen 5 Bangi (Part 2)
Recently went to visit my apartment at Section 5 Bangi... What a surprise it has been almost completed compared to the scheduled completion which in early 2015. We had a chat with one of the Indonesian workers there and found out that now they are now doing repair on each units and some minor works to do.
From my observation, most of the things are already there just a few components are still in progress such as lift, parking lots, electricity etc... I just found out an advertisement on mudah.com that by Feb 2014 it is ready to moved in. Here a few photos that I took during my visit on 16/12/2013.
From my observation, most of the things are already there just a few components are still in progress such as lift, parking lots, electricity etc... I just found out an advertisement on mudah.com that by Feb 2014 it is ready to moved in. Here a few photos that I took during my visit on 16/12/2013.
Entrance - equipped with OKU pathway
Front View
Lift - Still under construction
Shop & Laundry to be / Mailbox area
Corridor
Grill Door
View from window (1)
View from window (2)
Kitchen area - will be renovated later
Master Bedroom -nice view
Balcony- small but enough space for washing machine and clothes hangouts. It also has been installed with grill.
Overall I'm quite satisfied with the progress and the layout of the apartment. Can't wait for renovate and decorate this aprtment before fit to be rented. xoxo
Tuesday, 15 October 2013
Pangsapuri Melor Seksyen 5 Bangi
Earlier this year, while busy arranging my new house at Kin**t, my friends recommends me to bought this new apartment at Bangi. Its called Pangsapuri Melor Located at Seksyen 5 Bangi. Selangor. One thing this property came to my attention is because it only priced RM112K for a 3B2bath (approx. 700sqft).
After the price suited my current financial ability, my next step is to do some research. As for me which far far away from Bangi, my definite source are from some local and famous property bloggers. Here a the link for all those blogs which put their reviews and sharing about this property.
http://www.propertywaltz.com/2012/05/kontroversi-booking-pangsapuri-melor.html
http://syahproperty.blogspot.com/2012/08/pangsapuri-melor-sec-5-bandar-baru-bangi.html
http://www.matjoe.com/2012/08/pangsapuri-melor-bangi.html
http://nurynsophea.blogspot.com/2012/04/pangsapuri-melor-bangi.html
http://first-step-property.blogspot.com/2012/05/review-pangsapuri-melor-sek-5-bangi.html
http://zamjoe.blogspot.com/2012/04/pangsapuri-melor-seksyen-5-bangi.html
Feeling satisfied with all the information I had plus info from my friend who had bought it, I decided to buy 1 unit of this property. I've contacted the developer to enquire whether any units left as from what I read from the blogs, it weren't easy to get as it got long queue. CT who entertained my calls gave me basic info on this property and one things make me feel no hope of getting this property is there's about 200+ people queuing for all the lots available. So hoping for the best, I'd joined the que.
One week later, CT called me and tell me that whether I still interested on this property. Without any second thought, I confirmed my interest. CT informed me that I got 2 units to choose which is on level 7 or level 9. So I choose level 7 which I think a lucky number for me.
So the necessary payment * has been made and all the paperwork completed which took about 5 month to complete all the paperwork, dealing with developer, lawyer, banks etc... here's comes my 2nd long-term obligation after my first house at Sabah.
| 90% Property Price | RM100,800.00 |
MRTT
|
RM 2,522.00 |
| Total Financing | RM 103,322.00 |
| Monthly Installment | RM 601.56 |
| Loan Tenure : | 25 years ( 300 months) |
* here are the necessary payment that I made throughout the process;
| DETAILS | AMOUNT | AMOUNT | |
| 10% Downpayment | Property | RM 6,200.00 | |
| Renovation | RM 1,500.00 | RM 7,700.00 | |
| S&P Agreement | Stamp Duty | RM 1,240.00 | |
| Lawyer | RM 149.20 | RM 1,400.00 | |
| Loan Agreement | Stamp Duty | RM 520.00 | |
| Lawyer | RM 1,680.00 | RM 2,200.00 | |
| Others | Courier, call, etc | RM 100.00 | |
| RM 11,400.00 | |||
For a property cost RM112K, we need to prepare about 10% of its amount. Imagine if property cost 300k or 400k, how much initial capital we have to prepare.??
For those property experts and experienced home buyer, I bet they have a very clever way on settling the initial capital.
Ooh! here's a thing that's excites me most while browsing at Mudah.com, http://www.mudah.my/Apartment+Melor+Sek+5+Tambahan+Bandar+Baru+Bangi-23124013.htm.
To double check, i'll try to browse for another at Google and I found this; http://christyloh.iagent.my/default.aspx?p=ShowListing&pid=2156365
From 112K to 200K++?? The property not even completed yet and the price already doubled?? The positive side, I already gain here but on the negative side, it's become expensive to own a property now. Hmm....
xoxo.
For those property experts and experienced home buyer, I bet they have a very clever way on settling the initial capital.
Ooh! here's a thing that's excites me most while browsing at Mudah.com, http://www.mudah.my/Apartment+Melor+Sek+5+Tambahan+Bandar+Baru+Bangi-23124013.htm.
To double check, i'll try to browse for another at Google and I found this; http://christyloh.iagent.my/default.aspx?p=ShowListing&pid=2156365
From 112K to 200K++?? The property not even completed yet and the price already doubled?? The positive side, I already gain here but on the negative side, it's become expensive to own a property now. Hmm....
xoxo.
Its been a long time I hadn't post..
Owh my.. It's been a long time since i posted my last blog back in 2012.. Either been busy with work, families & etc... But seriuosly i was damn busy for my new house at KK... Travelling to & for Myy-KK either by flight or car has been fulfilling my weekend activity. But no regrets, it's to make sure my house was in good condition and renovated to the best effort. Since this was my new house, I & my wife were super excited to make our first house as our dream home. Ahah... Not to mention how much had we spent just for this matter. Almost 3/4 of my life saving. Throughout this process I've learned a few very important lesson as a first time house owner such as renovation matter and dealing with developer.
that's the result. Not 100% from what we imagined but well..things are done.. just live with it. Our next project is to fill our house up with furniture and fittings.
xoxo
that's the result. Not 100% from what we imagined but well..things are done.. just live with it. Our next project is to fill our house up with furniture and fittings.
xoxo
Friday, 28 September 2012
Bajet 2013 - What will I benefit from it
Well, amongst the anticipated event every year has taken place today. Our PM's had presented his budget speech which I believe being watched/listened/followed by the whole Malaysian's. I would say a lot's of good stuff provided for wide range of people. BR1M, reduce of tax, higher tax relief etc..etc..For certain business sector, they also will enjoy much incentives. (Tourism, agriculture, O&G). Certainly I hope the total RM249.7 bil would be used wisely and not benefited only for certain people only.
As a Malaysian (tax paying citizens), I want to look and see what those are things that I would expect to directly benefited from it.
And the rest, I will benefited from it direct or indirectly later. So, let's see what it will effect the coming for GE.
As a Malaysian (tax paying citizens), I want to look and see what those are things that I would expect to directly benefited from it.
|
Bajet Incentives
|
What I will benefit from it
|
|
50 percent off passport fees
for senior citizens starting Jan 2013
|
This is good, I can sponsor
my Mom passports at half price. So, I can bring my mom's holiday abroad.
|
|
Additional 150 staff for
Malaysian Anti-Corruption Commission (MACC)
|
Hmm, let's me think if any
of my family member's suited for this position.
|
|
RM200 rebate for smart phone
purchase for those aged 21 to 30 years.
|
Maybe I can take
this opportunity to reward my neice/ nephew with new SP. This would
motivate them to perform better in their study.
|
|
First home scheme – income
cap raised from RM3,000 to RM5,000. Join income limit is RM10,000. Applies
only for houses below RM400,000
|
Aiyah!!.. this one too late
to come. Should enhance for 2nd house for me to entitle it.
|
|
Real property gains tax
(RPGT) for properties sold within two years of purchase raised to 15%;
2-5 years 10%. No RPGT for properties sold five years after purchase
|
Hopefully it will control
and reduce house price, It really a heartbreaks when RPGT was abolished few
yrs ago where the property prices hike's like hell.
|
|
Original buyers of abandoned
projects will be exempted from stamp duty for
loan refinancing or ownership transfer agreements
|
Am I one of the victim of
'abandoned projects'. ?? Need to get a further info on this. It can saved me
up to 6k for stamp duty if this can be applied to me.
|
|
Bantuan Rakyat 1Malaysia
(BR1M 2.0)
RM500 cash for households with
combined income of RM3,000 or less
RM250 cash for unmarried
individuals who are 21 and above and earning RM2,000 and below
|
"BR1M 2.0" what a
nice tag and I'm sure my family, relatives, village-mate etc would like it. I
can see my HP will be busy again next year when they want
me to check their status.
My mom, grandma, sis and bro sure
can get this and my niece/ nephew too..
|
|
Sugar prices to increase as
a result of subsidy cuts by RM0.20. New prices are RM2.50 per kilo for
Peninsular Malaysia and RM2.60 per kilo for Sabah and
|
OMG!!. As usual one thing
can lead to another. Increase in 20cents of sugar, all the things related to
sugar will increase. The 'greedy' tokey will use this as
an excuse to increase price. You name it, teh tarik / bread/ cake / sweets?
F&B.. Aiyah.. maybe the bright side is my chance to get diabetics is
lower.
|
|
1% tax reduction for those
with a taxable income of RM2,500 to RM50,000
|
Let see whether this year I
still fall under this group. Last year I'm at this tax bracket. This year I
don't think so.
|
|
One-off payment of RM100 for
each primary and secondary school student
|
Surely my 'orang kampung'
will delighted about this. Hopefully they use it wisely..
|
|
20% discount for National Higher Education Fund
(PTPTN) loans for those who pay off the entire amount outstanding
(valid until Sept 30, 2013)
|
As my study not financed by
PTPTN, I cannot enjoyed this. But, definitely my wife should benefited from
this. So dear wifey, lets plan our finance.
|
|
10% discount for
PTPTN loan repayment for those who pay consistently
|
|
|
One and a half month bonus,
disbursed in three months.
|
Congrats to my
family/relatives/fren who enjoyed it. Use the money wisely ok. Hopefully our
HQ will fight for more this year.
|
|
RM25,000 for free mammogram
examination for women, aged 40 and above.
|
My mom's :)
|
|
Bajet Impact on market.
|
Share market will increase.
Hopefully my penny stocks will go up next week. Just now from TV show, the
experts hinted that telco's & consumer related products will increase.
Stay away from property developer he say. hehe
|
And the rest, I will benefited from it direct or indirectly later. So, let's see what it will effect the coming for GE.
Monday, 24 September 2012
Buying a house - buy before its too late..
In the first quarter of 2009 (property bubble era @ KK, Sabah), I had taken a big step to getting in one of the biggest commitment for a 'makan gaji' fella like me. That commitment was to buy a new house. My fiancee (now wife) also urging me to buy a house to show to my in-laws that I'm ready to be a leader in a family.
After a several visits to developer's office and show house, we had decided to buy a double-storey-intermediate house at Kinarut. 1270 sqft for RM255,000 (RM200psf) considerably a bit expensive for that type of house at that time.
But I wish I had better choice considering my loan eligibility and my financial situation for once i had to serve the monthly payment later. There a few 'good' choices of house but I had to top up with my own money which is out of my ability. Topping up RM60K-80K is very burdening and even I have that money, I need it for my wedding which scheduled on the 3rd quarter of the year.
Serve me right (padan muka) for me because took so long to decide buying a house. I was so worried that I don't have enough money to fulfill my monthly needs. I wonder how big and nice house I can buy with the price of the house I'm buying. My friend who bought a house a house a year early enjoy a cheaper house with bigger sqft and promising area. Till now, I am so jealous of him and at the same time admiring his brave effort.
So, for those young working ladies and gentlemen who is in the category of capable to buy a house, do not wait to long to buy a house. Time won't wait for you and bare in mind that property price is keep increasing no matter how the economic situation. Do not worry about your monthly commitment for at least the next 18 months because the loan repayment will only started at least after 18 mths from the purchase date. And 1 important fact that I missed that time is that every year my salary will get increment. SO by that time I served the monthly payment, it wouldn't burdening me much. Recently one of my friend informed me that he bought same type of house at the same area which cost him around RM300K++... I believe he would be as regret as me for not taking the opportunity earlier.
------------------------------------------------------------------------------------------------------------
After a several visits to developer's office and show house, we had decided to buy a double-storey-intermediate house at Kinarut. 1270 sqft for RM255,000 (RM200psf) considerably a bit expensive for that type of house at that time.
But I wish I had better choice considering my loan eligibility and my financial situation for once i had to serve the monthly payment later. There a few 'good' choices of house but I had to top up with my own money which is out of my ability. Topping up RM60K-80K is very burdening and even I have that money, I need it for my wedding which scheduled on the 3rd quarter of the year.
Serve me right (padan muka) for me because took so long to decide buying a house. I was so worried that I don't have enough money to fulfill my monthly needs. I wonder how big and nice house I can buy with the price of the house I'm buying. My friend who bought a house a house a year early enjoy a cheaper house with bigger sqft and promising area. Till now, I am so jealous of him and at the same time admiring his brave effort.
So, for those young working ladies and gentlemen who is in the category of capable to buy a house, do not wait to long to buy a house. Time won't wait for you and bare in mind that property price is keep increasing no matter how the economic situation. Do not worry about your monthly commitment for at least the next 18 months because the loan repayment will only started at least after 18 mths from the purchase date. And 1 important fact that I missed that time is that every year my salary will get increment. SO by that time I served the monthly payment, it wouldn't burdening me much. Recently one of my friend informed me that he bought same type of house at the same area which cost him around RM300K++... I believe he would be as regret as me for not taking the opportunity earlier.
------------------------------------------------------------------------------------------------------------
Sunday, 23 September 2012
Small Time Investor with a minimum capital and tiny knowledge.
My interest in share investment increased back in 2008 when most of my close friends getting crazy about investing, During that year my life commitment wasn't as much as these recent years so I have some little extra money to invest in share market. Most of my lifetime saving I would put in my ASB account which is a very secure and considerably giving a good return. But I couldn't resist to join the club because of the fun and challenge in growing money by my own effort. Without a tiny knowledge in investment, I had withdrawn some of my ASB money and make the first purchase of share which is K*M. A very hot shares during that time. Moreover one of my friend said he got tips from his friend which is a very reliable source that this stock will jump.
My first investment mistakes; Greedy and over-ambitious
With about in a month, this stock had raised 20cents. By end of the year I had gone up to RM1? 100% increase from my purchase price (50cents). I was very happy that i had doubled my money in less than a year. Worth than waiting for a year got get my return in ASB. 100% compared to 7%.crazy.. For a wise investor, they might already sold it and multiply the money. As for me, greediness and over-ambitious had dominate all. Instead of 100% return, why can i wait for 200%, 300% or 1000% return. Since I foolishly believe that this stock gonna give me a huge return, I decide to hold an wait for my dream to come. As most of my friends already enjoyed the gain they make from this stocks, I waited and waited until a year plus until one gloomy day this stocks had some issue which resulting the share price plunged like a matured durians. My expected return which originally from 100% had slowly decreased to 70%, 20 % until I loss -30%. I have done nothing and instead waiting and hoping it will come up again. I just keep this to my self without telling to my friend to avoid being embarrassed of not joining them making profit. There's one time that the stock consolidated 4:1. So my number of shares reduces but increase the value. That exercise had brought up this stock value to 30% on my return. At that time, I again doing nothing until it dropped drastically. So, as at today, my loss stood at -150% . I wanted to average it down but, it's not just worthily to done so.
I am now just hoping it will rise again to at least get my capital back. I can conclude myself as greedy at the wrong place and wrong time.
My first investment mistakes; Greedy and over-ambitious
With about in a month, this stock had raised 20cents. By end of the year I had gone up to RM1? 100% increase from my purchase price (50cents). I was very happy that i had doubled my money in less than a year. Worth than waiting for a year got get my return in ASB. 100% compared to 7%.crazy.. For a wise investor, they might already sold it and multiply the money. As for me, greediness and over-ambitious had dominate all. Instead of 100% return, why can i wait for 200%, 300% or 1000% return. Since I foolishly believe that this stock gonna give me a huge return, I decide to hold an wait for my dream to come. As most of my friends already enjoyed the gain they make from this stocks, I waited and waited until a year plus until one gloomy day this stocks had some issue which resulting the share price plunged like a matured durians. My expected return which originally from 100% had slowly decreased to 70%, 20 % until I loss -30%. I have done nothing and instead waiting and hoping it will come up again. I just keep this to my self without telling to my friend to avoid being embarrassed of not joining them making profit. There's one time that the stock consolidated 4:1. So my number of shares reduces but increase the value. That exercise had brought up this stock value to 30% on my return. At that time, I again doing nothing until it dropped drastically. So, as at today, my loss stood at -150% . I wanted to average it down but, it's not just worthily to done so.
I am now just hoping it will rise again to at least get my capital back. I can conclude myself as greedy at the wrong place and wrong time.
Kampung Tamui Papar - my experience in the 88's -98's. part 1
I was born and raised here. Between 1988 to 1998, I had a very wonderful experience to be part of this kampung boy. But why stop at 1998? This is because soon after SPM result, I had left kampung experience for further studying as well as working.
Before that let me introduce my kampung which is Kampung Tamui Papar and some say Tomui. It is located between Kampung Kinuta and Kampung Biau. I was told that the name "tomui' came from the name 'oyomui' in Kadazan language which means dirt. It was happened long ago where a big flood had hit and as a result a lot of dirt (rubbish) at all over the places. Since then the elderly had named this places as TOMUI. What a nice name isn't it?
This kampung has 3 section which includes;
1. YUNDUK - Riverside along sungai Papar
2. TAKAD - Near hilly and at the centre of the kampung.
3. DOKUDUNG - Near a swamp area which facing the paddy field.
4. PAPAK -a new settlement which is located at once upon a time a farm near a river.
As at now, there's a new 'settlement' at the northern side of the kampung which I haven't found out the name yet. But well I can consider it a 'Kampung Baru'.
Ok..enough of history as I'm not the right person to tell it. What I'm going to write is the special about Tamui@Tomui back in 90's.
1. Postmen doesn't need to send the letter here
No specific address for each house house number. The postman only have to put in the letter into box at post office at town. Only a few had a key to the postbox and will come and collect those letter once a while.
JKKK or ketua kampung or Uncle T will take the letter and distribute it to the kampung people. The best place to put the letter was at Uncle T place because it was a 'pajak' there (will explained it later).
2. Pajak & Kampung-made-alcoholic drinks
A pajak is a name for kampung's bar which opens 7 days a week and open as long as the 'tuak pagung' is there. At that time a beer / whisky etc considered expensive so it was a popular choices among the 'kaki-minum'. Well, pajak actualy it also not a place to get drunk only but a place for people to get-together especially during weekends. There's a time where a 'tuak kelapa' has become so popular due to it's sweetness and much nicer than tuak pagung.
There's a few nenek's are doing this tuak kelapa (Mamai O, Mamai P, Mamai N, Nenek Manih, Mamai D). And you know what, they blend it really fine until it becomes hot selling 'drinks'. U need to book in advance during peak period. Due to it limitness, it priced higher than tuak pagung. and there comes "tapai" ..
My Aunt R was the specialist for this one. But this tapai mainly consumed during special occasion and due to its specially used ocassion, it's a bit expensive. But don't worry, the brilliant minded Aunt has come up a solution to make sure there's always demand for tapai. There's comes 'tumpung' ..a mini compact size of tapai which is more affordable to a schoolboy like us..
Before that let me introduce my kampung which is Kampung Tamui Papar and some say Tomui. It is located between Kampung Kinuta and Kampung Biau. I was told that the name "tomui' came from the name 'oyomui' in Kadazan language which means dirt. It was happened long ago where a big flood had hit and as a result a lot of dirt (rubbish) at all over the places. Since then the elderly had named this places as TOMUI. What a nice name isn't it?
This kampung has 3 section which includes;
1. YUNDUK - Riverside along sungai Papar
2. TAKAD - Near hilly and at the centre of the kampung.
3. DOKUDUNG - Near a swamp area which facing the paddy field.
4. PAPAK -a new settlement which is located at once upon a time a farm near a river.
As at now, there's a new 'settlement' at the northern side of the kampung which I haven't found out the name yet. But well I can consider it a 'Kampung Baru'.
Ok..enough of history as I'm not the right person to tell it. What I'm going to write is the special about Tamui@Tomui back in 90's.
1. Postmen doesn't need to send the letter here
No specific address for each house house number. The postman only have to put in the letter into box at post office at town. Only a few had a key to the postbox and will come and collect those letter once a while.
JKKK or ketua kampung or Uncle T will take the letter and distribute it to the kampung people. The best place to put the letter was at Uncle T place because it was a 'pajak' there (will explained it later).
2. Pajak & Kampung-made-alcoholic drinks
A pajak is a name for kampung's bar which opens 7 days a week and open as long as the 'tuak pagung' is there. At that time a beer / whisky etc considered expensive so it was a popular choices among the 'kaki-minum'. Well, pajak actualy it also not a place to get drunk only but a place for people to get-together especially during weekends. There's a time where a 'tuak kelapa' has become so popular due to it's sweetness and much nicer than tuak pagung.
There's a few nenek's are doing this tuak kelapa (Mamai O, Mamai P, Mamai N, Nenek Manih, Mamai D). And you know what, they blend it really fine until it becomes hot selling 'drinks'. U need to book in advance during peak period. Due to it limitness, it priced higher than tuak pagung. and there comes "tapai" ..
3. Looking for 'reward' Rosary Prayer (In the month of October)
This is among the most waited season of the year. Every October, each house in the kampung will take turn to host a prayer at their respective house. The Christian community leader will come up with a schedule with a guide on who is on duty during that prayer session. Of course I'm among one of the person on-duty. What I like most about this praying session is we can meet each others or meet new friend. So the interesting part for this prayer session for us is the 'makan-makan' session. Yeah, it can be considered as reward for us after prayer. The common food being offered by the host is COFFEE and 'Biskut Marrie' and biskut keras. Some will offer kuih, porridge etc.. We will not missed some house's which they will offer a very yummy food and delicacies expecially Uncle F.
Saturday, 22 September 2012
3rd year anniversary
It's been 3 years of my marriage anniversary with my lovely wife. Our relationship started back in 2005 and in total 8 years of knowing her. Before marriage, I have never failed to have a anniversary gift /surprise to her. For the 1st year of being husband n wife, I surprise her with a surprise cake n gifts. And guess what, she also give me something special. She cooked us a dinner with a alcohol free wine with a candle light experience.
But this year, i'm sure she's a bit disappointing with me because I seems doing nothing at our anniversary. Am I bad husband? Forgive me my dear, it's not that i dont want to do anything. Is just that mr.money$$ a bit tight this moment. I promise will repay it when the times comes. For me.. every month are our anniversary.
23/09/2012------------------------------------------------------------------------------------------------
Guess what...yesterday my wife had cooked our anniversary dishes which is as good as restaurant cooking.
At first I decide not to take dinner yesterday, but she insisted to cook for dinner. When seeing her determination in wanting to cook for me and with a little a bit of her deary persuasion, I had to let her cook while I'm doing my man's job.
Exactly at 8.30 pm.. this is the result...
Menu for the belated anniversary:
1) Steam pomfret with black paper
2) Fish-ball green beans
3) Steam carrot.
and a must have side dish >> mom-in-law special condiment..
It really open up my appetite until I have to finish 2 plates of rice..
Thanks my dear,,, blurpppp...opst,,,hehe
But this year, i'm sure she's a bit disappointing with me because I seems doing nothing at our anniversary. Am I bad husband? Forgive me my dear, it's not that i dont want to do anything. Is just that mr.money$$ a bit tight this moment. I promise will repay it when the times comes. For me.. every month are our anniversary.
23/09/2012------------------------------------------------------------------------------------------------
Guess what...yesterday my wife had cooked our anniversary dishes which is as good as restaurant cooking.
At first I decide not to take dinner yesterday, but she insisted to cook for dinner. When seeing her determination in wanting to cook for me and with a little a bit of her deary persuasion, I had to let her cook while I'm doing my man's job.
Exactly at 8.30 pm.. this is the result...
1) Steam pomfret with black paper
2) Fish-ball green beans
3) Steam carrot.
and a must have side dish >> mom-in-law special condiment..
It really open up my appetite until I have to finish 2 plates of rice..
Thanks my dear,,, blurpppp...opst,,,hehe
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