ASB loan

to those of you who already had ASB loan from local banks, just carry on. this is just a friendly advice for my friends who have not done so.

ASB is incorporated by PNB as BUMIPUTERA ONLY trust fund, as an incentive to encourage saving habits to bumis and enculcate investment without exposing them to unnecessary risks.

however, most of malays are lacking the fund to join ASB to reap its full benefit. average return per year is around 7% lately.

this is where banks giving away loans for this fund.

i read through the internet, and i reached to a conclusion that taking loans for asb is not a smart method of investment.

unless you cannot discipline yourself in saving your money.

banks saw this as an opportunity to gain money without exposing themselves to unnecessary risks. offering at BLR -1.25% (actual rate of some bank) this seems attractive. i, however, see this just as another alibaba license. banks dont have to be a malay to invest in asb, rather, they used their customer's name in obtaining asb certs.

and during bad times, BLR can go as high as 12%. instead of you getting the dividend, you are paying the banks for nothing! i know this is the worst case scenario, but no one can predict the future.

it's better you save your money little by little. you will have full control of your finances and who knows, maybe you need extra funds in emergency?

unless you cannot discipline yourself and need to be forced to pay monthly loan, don't take ASB loan because it's just a way banks make free profits with minimal risk.

i hate it when i thought of working for the bank for free. i expect them to pay me, not the other way around.

i know the loan means you have a leverage for your money in the long run. however the return is too small <10% making it unattractive, at all. only make loans where you can be confident that the spread is more than 10%.

well, that's just imho. any comments are welcomed =)

rant 002 - hopeless

hopeless

@home
@career
@life
@myself
@finance

sigh

i really hope they postpone convocation since i'm having the worst time of the year (sorry to sound selfish, but this is just a mere personal hope. kinda like self-thought)

someone lend me a non-judgmental ear pls? or a shoulder to cr... er nvm.

apparently, u can find many cross-eyed guys in construction industry.

or maybe its just me?

oh ya

maafkan sikapku semlm.

sori. tak sepatutnya bersikap begitu.
janji takkan ulangi lagi.
janji.

rindu...

antara berani dan kurang ajar. antara pengajaran dan mengajar.

salam.

rempit. kl drift. lenjan. bohsia. budak kelantan.

itu nama filem2 baru kat malaysia. nampak trend nya?

ter baru? ANU DALAM BOTOL.

kosmo

wtf semua nak jadi gay hari ni?

dah jadi trend ke nk buat filem, amik problem sosial jadik tema?

alasannya?
- masyarakat lebih terbuka
- menyedarkan orang ramai
- tidak bersifat denial terhadap masalah sosial

bullshit. tu semua nak untung saja tu. sapa yang tak suka tgk diana danielle pakai skirt terselak? tgk lurah raja farah yg slurp2? tgk 2-3 ekor lelaki kenduri sorang pempuan?

pengajaran taik kucing engkau.

berapa ekor mat rempit insaf lepas tgk cite remipt? baper ekor bohsia nk bertaubat lepas tgk bohsia? brapa org pusher yg insaf lepas tgk filem gangster, castello?

kalau nak sedarkan sangat, tunjuk adegan rempit tu 2-3 saat dah la. lagi 3-4 jam tu tunjuk eksiden pecah kepala patah tengkuk putus anu. baru diorang nak sedar.

kalau nak sedarkan pusher, tunjuk bab kena tangkap sampai tengkuk patah kena tali gantung. baru berkesan.

kalau nak sedarkan bohsia, tunjuk ex-bohsia yang tgh kurus kering tunggu masa nak mampus kena AIDS.

ini tidak, tunjuk bab2 seronok saja.

nak lagi best? tunjuk seksa kubo. biar derang tau seksa nnt lam kubo.

babak yg tu cepat2 lak Lembaga Penapisan Filem nak sensor. memberi impak negatif kepada kanak2 konon. pigida. br kena tekan sket dgn pengarah2 lancau dah terkincit. as an authority, you must know your responsibility and work. Jgn biarkan orang lain pengaruhi kerja kita pulak.

tak tahulah. ketahuilah wahai orang2 tua skrg. zmn remaja adalah zaman bodoh. ya aku mengaku aku pernah bodoh. apa yg ditengok, semua nak dibuat. aku pun remaja lagi. tapi dah lewat remaja la hahaha. jangan la g sodok diorang dengan filem2 picisan dengan alasan nak bagi pengajaran tapi sebaliknya mengajar pulak diorang buat kurang ajar.

filem-filem macam ni bukan berani. tapi filem kurang ajar.

chow, post pedas dari aku. babai.

Between different views and conflicting interest

when talking about views and interest, one might wonder, are there any connection between those two? 'view' here is taken from the context of your paradigm, outlook and vision to an issue or an individual. many would say 'most' of our views are clouded by our interest, as we are, subconciously, a narcissistic creature. when we look into something, no matter how far reaching it is, subconciously we think of what's in it that might affect us, either positively or negatively.

this is by far, how our brain works. we live in our own sphere of life. and we try to connect our sphere to others', while maintaining our own. this social instinct is hardwired into us by Allah as a mean to protect ourselves, family, religion, race, aspiration, political ideology and many more.

however, most of the time, this mechanism can be very annoying to people around you. and sadly, this is how people in Malaysia reacts when it comes to politics.

i can say, the people around me can be divided into four groups, politically. Pro government, pro PR, indifferent group and critical group. the first two are really a bunch of annoying people. they don't allow critical thoughts that provoke their skeptical minds seep through their brain and trigger their thinking switches.

let me take an example. a BN leader is convicted with corruption. immediately the response from pro PR bloggers are BN korap, UMNO rasuah, UMNO itu ini, wihout any hesitation. this generalisation of people is culturally repressive and does not promote development of quality thinking. another example, when a PAS state representative is having a marital problem involving his second wife, immediately the response are pemimpin PAS mempergunakan agama, berpolitik atas pentas agama especially from pro BN bloggers.

and all those name callings - YB BABI, Najis, mamakdey, muka sembap, and many more are just nauseating and plain disgusting. if you want to comment, dear readers of politic blogs, do it intelligently and give comments that add values. not comments that insults your own intelligence. if you want to post hu-ha comments, do it on a private blog, please. this is simply saddening. our political attitude is simply not showing signs of maturity, although at some point, we do realise that government is not all angels and PR is not all devils, and we don't really take mainstream news for granted.

anyway, good luck malaysia. may the best be with us the loyal citizens of Malaysia, no matter who the government is.

what the *beep*!

was hopping around the net for regular visits on usual sites.

but...


anyone willing to explain why they close down this site?


owh *beep*

this is the most important resource for me on the net. why the hell they close it down?

not in a good mood now.

-down-

Love Story

cuti yang bosan. btw pek, semlm aku bwk mel g makan2. hahahahah. mel cengal dol. skang dia petikel kat kulim. abeda.

on another note, nice la plak lagu nih.



Love Story
Taylor Swift

We were both young when I first saw you
I close my eyes and the flashback starts
I'm standing there on a balcony in summer air
See the lights, see the party, the ball gowns
See you make your way through the crowd
And say hello, little did I know

That you were Romeo, you were throwing pebbles
And my daddy said stay away from Juliet
And I was crying on the staircase, begging you please don't go
And I said

Romeo take me somewhere we can be alone
I'll be waiting, all there's left to do is run
You'll be the prince and I'll be the princess
It's a love story, baby just say yes

So I sneak out to the garden to see you
We keep quiet 'cause we're dead if they knew
So close your eyes, let's leave this town for a little while
Oh, oh

'Cause you were Romeo, I was a scarlet letter
And my daddy said stay away from Juliet
But you were everything to me, I was begging you please don't go
And I said

Romeo take me somewhere we can be alone
I'll be waiting, all there's left to do is run
You'll be the prince and I'll be the princess
It's a love story, baby just say yes

Romeo save me they're tryna tell me how to feel
this love is difficult, but it's real
Don't be afraid we'll make it out of this mess
It's a love story, baby just say yes

I got tired of waiting wondering if you were ever coming around
My faith in you is fading
When I met you on the outskirts of town
And I said

Romeo save me I've been feeling so alone
I'll keep waiting for you, but you never come
Is this in my head, I don't know what to think
He knelt to the ground and pulled out a ring
And said

Marry me Juliet you'll never have to be alone
I love you and that's all I really know
I talked to your dad you'll pick out a white dress
It's a love story, baby just say yes
Oh, oh, oh

We were both young when I first saw you

confession

ini adalah post pengakuan. kalau rasa masalah korang sendiri dah terlampau banyak, dinasihatkan jangan baca. kang pening kepala korang. ahah.

and i warn you, this post will sound a bit cheeky, bold and seems aggressively arrogant. luls. and maybe, to ambitious.

dah warning dah, so pandai2 la korang. jangan pas baca komen2 pelik2 plak ahah.

kamu tahu apa cita cita aku dari kecik? masa umur 7 tahun rasanya, aku join rombongan nganto nenek sedara pegi haji. kat bayan lepas, pulau pinang. masa tu meriah. macam pasar malam kat situ. hampar tikar, berkelah ramai2. seronoknya. tapi kamu tahu apa yang paling menyeronokkan dalam kepala hotak 7 tahun aku masa tu?

tengok Boeing 747 teksi kat runway (when a plane is moving around an airport, we call it taxiing) luls.


a Boeing 747-400 taxiing on a runway. What a beauty.

fuh. aku tengok gergasi betui kapalterbang. macam mana dia bulih terbang nih? musykil aku. tapi memandangkan masa tu internet pun takdak lagi kat malaysia rasanya, so aku tokleh nak google hahahahah. tapi dalam hati aku dah pasang niat kuat-kuat "AKU NAK JADIK PILOT SATU HARI NANTI". bijak kan palotak aku masa tu? macam mana la aku bulih tau kapal terbang tu ade 2 ekor manusia bawak. ahahah. tapi aku tanya gak la bapak aku sapa yang pakai peak caps + epaulette + kot yang ader stripe kat lengan + tie itam. oh sungguh kacaklah jika aku dapat pakai. kan kan kan? uniform pilot tuh ahah.


:D

so sampailah sekolah menengah cita-cita aku macam tu. and i deserve having such a high ambition, because i was in an "elite school" lah kononnya. ahahah. talking about produk gagal :b

after school, i have a few choices, go straight into MAS or SIA cadetship. I wouldn't remember if MARA was sponsoring pilot students back then (2004) and i just knew they did in 2007.


singapore girls? (SIA stewardess)


or malaysian girls? luls! (MAS stewardess)

however, to go to SIA cadetship, you need to have a bachelor's degree, which didn't have, so i was left with two choices: do my degree first or directly go into MAS cadetship.

and i did not pick he latter. you know why? SIA's fleet are mostly widebody, and cater for long haul journey, so when you first enter SIA as second/first officer, chances are, you will be assigned to any widebody aircraft, unlike MAS, where you will be assigned to a 737 or fokker 50 first (both are 'small' aircraft).

plus, having a degree AND a flying license will give you an edge over someone who doesn't, right? don't argue my shallow statement, but MOST of us will think that it's cooler to have both, isn't it? =b

and luckily for me, at that time, this *ehem* company is offering me a place to pursue an engineering degree in its private university. i said to myself "this is an opportunity!". i will finish my degree first, then go to SIA!

apparently, that's not the case for me. 2009 was the suwey year for me. first, SIA stopped taking Malaysian cadets. second, MAS stopped its cadetship programme. third, MARA also rumoured to sponsor the last batch of pilot cadets in May 2009. fourth, i had a tumor as big as my fist inside my guts. fifth, i was dumped by my girlfriend. oh, lari topik plak lol.

and now, to pursue my ambition would be an uphill task. where can i find 275k to pay for the course? sure, banks can give out loans, but where can i find collateral for the loans?

and if i did manage to find the money, would i pass the Class I Medical Examination to qualify for the course with this 'thing' inside my perut?

sekarang? redha sajalah. mungkin itu bukan yang terbaik untukku. mana tau kalau bawak nanti, eksiden, mati ramai2. bek aku tayah bawak. tak apelah, jadik construction man pun takdelah susah sangat. berbakti kat negara jugak. buat landasan ketapi letrik tuh. bangga seh. hins.

dah tak larat aku pendam rasa. menangis dalam hati pasal benda-benda macam ni yang sangat-sngat menyakitkan hati yang semua jadik tahun ni jugak. apa boleh buat. no pain, no gain.



skang kumpul model sajalah. malam-malam, main sorang2 dlm bilik cam budak-budak. wiu wiu wiu. hahahahah. pathetic kan? tak apa. se pathetic aku pun, tak kacau orang. susah aku sorang. senang aku sher dgn mak ayah. sedih aku nangis sorang. ketawa, ramai2. kang orang kata gila plak ketawa sorang2.

sejujurnya, aku kecewa dengan diri sendiri sebenarnya. aku boleh pergi lebih jauh. dan mendapat yang lebih baik. nak buat macam mana. takdir sudah macam tu. otak geliga macam mana pun, kalau Allah cakap takleh pi mana, duduk situ sajalah.

grievances over dead dreams may shed the light on a better reality. - ni quote aku sendiri.

doa sajalah.

perihal gembira dan menggembirakan

"bang kalid! pagi ni saya lewat sikit. abah pakai muto. saya kena bawak keta. satgi mesti jem kat pekan BM"

"ha. ok. aku cover hang sat. hang jangan mengulaq pulak"

biasalah bawak keta. ayah pun satu. habaq la awai2 nk pakai muto. boleh kuar awal sikit. nek muto, buleh cilok2. keta? bulih tu bulih, tapi tak sehebat honda wave mencilok ar.

sampai site, capai topi, pakai safety vest, terus jumpak site supervisor.

"sorilah bang. tadi kluaq pun sayup dah. hari kita nak buat apa kat site?"

"kita perabih buang ikat besi. esok panggil consultant, lusa boleh tuang kongkrit. tu pun kalau tak ujan. aku rasa hari ni sampai lusa tak hujan, insya allah. cepat kerja kita"

bagus la jugak kalau boleh abeh kerja ni cepat-cepat. banyak sangat masalah. serba tak kena.

"hari ni depa tak kacau?" - depa: main contractor. kacau: ligan progress. main contractor ni selalu kejar2 kitorang.padahal site mmg problem. haruslah terlewat sikit. nak buat macam mana. bukan bulih tutup suis ujan ka, banjir ka.

"hari ni tak berapa kacau" jawab bang kalid. slow je. "janji site jalan."

"baguslah. takdelah tensen sangat nak menjawab" aku cuba berseloroh.

"tu lah. susah betoi nak puaskan hati depa ni. asrap, aku nak pesan kat hang. hang muda lagi kan? umoq berapa?"

"20 lebeh" pendek je aku jawab.

"muda lagi. banyak lagi masa. bujang lagi kan?"

angguk kecik. ahah. segan lah pulak. macam tgh dengar nasihat tok guru la plak.

"selagi hang boleh gembirakan diri hang sendiri, pi la buat benda2 yang hang suka. kalau hang suka mengai, p mengai. kalau hang suka jalan2, p jalan merata. kalau hang suka mandi sungai, pi mandi sungai"

"er. awat?" aku kompius. tiba2 suruh p wat menda2 merapu pasaipa nih. ish.

"umoq hang muda, hang hidup, hang tak payah pikiaq pasal orang lagi. hang dengan urusan hang. tak kisah la hang nk duk senang ka susah ka, makan megi hari-hari ka, duk rumah kongsi ka, tu hang punya pasai. tanggungjawab takdak lagi"

"ooo..." pura pura paham.

"hang pikiaq balik, bila hang tua, hang tak boleh dah pikiaq pasai hang sorang saja. bini hang. anak hang. mak pak mentua hang. adik hang.adik ipaq lagi. hang dah bertanggungjawab atas kegembiraan depa ni nanti"

"ouh."

"hang nampak honda civic baru aku tu?" dia menjuihkan mulut ke arah keretanya. baru sangat.plate PHY. hujung tahun lepas agaknya.

"terus terang kat hang, kereta ni bukan aku hingin sangat pun nak pakai. ikut aku, pakai ex5 sudah. tak payah pikiaq2 sevis la, jem tengah pekan la, instolmen bulan2 la. pening kepala. aku beli ni pun, sebab bini aku. malu lah kereta lama, kereta kecik. anak-anak pun sama jugak"

"oooouuhhhhh." panjang sikit oh aku. paham la aku sbb apa dia merungut.

orang lelaki, generally speaking, muda-muda, korang hidup, korang nk happy2, semua atas kehendak korang sendiri. duduk rumah sewa dengan member sampai 10 orang serumah pun boleh je.

tapi bila semakin tua, jadi tanggungjawab pulak menggembirakan orang lain. isteri, anak-anak. kereta rumah. macam-macam lagi. kita bukan hidup untuk diri sendiri. tapi hidup untuk orang lain. agaknya, sebab tulah bang kalid suruh aku buat apa yang aku nak buat puas2 sementara masih berkesempatan. jangan bazirkan masa muda.

kesimpulannya? toksah la pikiaq sangat pasai orang len. xde pekdahnya. bek pikir psl diri sendiri tu. hepi ke tak tuh.

do something meningful to your life. its your life. not theirs. luls.

tag by belle the hot kanak kanak

1. Adakah anda suka blogging? Kenapa?

jawapan pendek: tak suka. tak dak sebab

jawapan panjang sikit: kadang-kadang suka. depends kat keadaan

jawapan panjang: suka, terutamanya bila ada good news. im not really fond of emo-blogging but i did it, occassionally :b



2. Blog siapa yg anda selalu skodeng? Nyatakan 5 (buat masa ini)

blogroll kat sebelah ni yang selalu update. malas nak bloghopping, unless betoi2 bosan n takde keje.



3. Adakah anda menginginkan seseorang dalam hidup anda ? Yang boleh menyayangi anda sepenuh hati ? dan Siapakah org itu ?

kamu pasti tahu kamu orangnya. kalau tak terasa maknanya bukan kamu la orangnya. tak perlu elaboration rasanya hahah.


5. Pernah tak cinta anda tidak di balas?

loser sahaja akan bercerita tentang cinta tak kesampaian


6. Ciri2 idaman bf/gf anda? Nyatakan 5 (btolkan skit: suami/isteri)

aku tak memilih. so takde ciri-ciri idaman.rigid sangatlah soalan ni.



7. Pada umur berapakah anda merancang untuk berkahwin?

jawapan tak serius langsung: 16

jawapan agak serius: tunggu sampai kaya

jawapan separa serius: sampai redi

jawapan serius: 30



8. Nak berapa anak?

sorang


9. Lucky person yg anda ingin tag:

since tahun ni aku tak berapa lucky, aku takmo tag sapa-sapa.

sekian.

aku benci ujan

kenapa aku benci ujan:
- safety boot baru aku tercemar dengan onar2 berupa selut dan lumpur.
- site aku betul-betul bawah parit air, pas ujan bertakung cam neherem. siap ada ikan haruan 2-3 ekor tersangkut situ. rezeki bangla lol.
- tanah lembut. misin takleh masuk site. nanti sangkut.
- kena sewa pam air. duit lagi. dah la main con kaki tekan cam sial. depa ingat ujan ni ada suis on off ka
- balik umah nek moto pukul 530. on the way hujan lebat. sial.
- pekan BM jem cam neherem. tambah-tambah kalau hujan. ataupun ada nyonya rabun bawak kete besar2 tapi tak reti pakai gear 3,4,5. amoi aku salute. kete honda city, tapi cam bawak F1.

dan aku ngaku aku duk site secara haram. xde green card, takde induction course. hahah. kena saman bes nih.

sekian construction man melaporkan.

random thoughts

bosan. sangat bosan kalo duk spital sorang-sorang dalam wad kelas 2. dah la aircond sejuk. esok kena resign keje.

malas la cenggini.

tiba tiba aku rasa lagu 'bila aku sudah tiada' oleh hujan cambest plak luls. kena dengan situasi.

k lah babai