Friday, February 12, 2010

Skandal Panas - memang dasar buaya...(18sx)

SCANDAL PANASS.....MEMANG DASAR BUAYA....X GUNA....(18SX)


Thursday, February 11, 2010

Electronic Hair Dryer (Hilarious Joke)


A distinguished young woman on a flight from Switzerland asked the priest beside her, "Father, may I ask you a favor?"
"Of course. What may I do for you?"
"Well, I bought an expensive! Electronic hair dryer that is well over the Customs limits and I'm afraid they'll confiscate it. Is there any way you could carry it through Customs for me? Under your robes perhaps?"
"I would love to help you, dear, but I must warn you: I will not lie."
"With your honest face, Father, no one will question you."
When they got to Customs, she let the priest go ahead of her. The official asked, "Father, do you have anything to declare?"
"From the top of my head down to my waist, I have nothing to declare."
The official thought this answer strange, so asked, "And what do you have to declare from your waist to the floor?"
"I have a marvelous little instrument designed to be used on a woman, but which is, to date, unused."

Wednesday, February 10, 2010

MAK APAN HILANG


Pagi tadi di opis, dalam pukul 9, sedang gua kaver line klik fesbuk sikit sikit, Apan mundar mandir belakang gua dengan muka kusut masai.

 
Dari tadi gua tengok Apan hilang punca di sekitar sektor operasi. Muka macam ada masalah.
 
"Lu kenapa ni Apan?" - Gua tanya demi meminta kepastian. Gua dengan Apan ni kira ngam juga la. Budak Kedah, umur muda sikit dari gua dan tak berapa hensem. Kalau tatap muka dia lama lama boleh naik menyampah juga.Dia baru setahun kerja dengan kompeni gua. Sebelum masuk sini, Apan banyak hendel bisnes sendiri dan selalu rugi.

 
"Mak gua hilang la.." - Apan berbisik perlahan.
 
Gua punyala terperanjat!

 
"Mak lu hilang?, bila hilang?" - dada gua tiba tiba mengepam keluar masuk laju laju. Berdebar tak payah cakap la, kencang macam kuda.
 
"Petang semalam..dah cari merata tak jumpa".

 
Apan berlalu meninggalkan gua menuju ke bahagian budak budak human resource. Gua tak tahu apa benda yang dia sedang fikir dalam kepala. Gua nak tanya lebih lebih risau kena pukul pula.Apa yang gua tahu sikit sikit, mak dia memang duduk rumah tak kerja, ayah dia kerja penolong kanan lagi dua tiga tahun nak pencen.

 
****

Kira kira
lima belas minit kemudian, dari jauh gua nampak Apan berjalan semula masuk ke sektor operasi. Kali ni muka dia tak kusut macam tadi dah, sebaliknya ceria macam muka Lan kumpulan the typewriter.
 
"Mak gua dah jumpa.." - kelegaan jelas terpampang di bibir Apan.

 
Gua cepat cepat bersyukur:

 
"Alhamdulillah...Jumpa kat mana?",
 
Dan dengan penuh keceriaan, jujur, ikhlas, tawadduk serta wajah disinari warna warni rama rama yang tiada belas kasihan pada gua, Apan membalas padu:

 
 
"Dalam sinki penteri."

 
 
Gua terus tendang kompiter sampai bersepah atas lantai.

 
"Binawe!"

 
MUG
la Apan..MUG..!!, pronunciation macam jahanam!
 
Sia sia gua berdebar. Pagi pagi sudah bikin hati membara.

Gula Bakal Berwajah Baru


udah macam kotak rokok plak... kikikiki
 

11 tricks to settle your credit card debt (if you have any)- From KCLau

Credit card debt is the most common consumer debt most people will
have trouble with. Since it is so dangerous to carry around a few
thousand ringgits when you do your shopping, credit card is the
perfect solution in terms of convenience and safety.

In other words, you are also bringing with you a
huge amount of money to spend.
If your credit limit is RM10,000 per card
and you have three credit cards,
it is like having RM30,000 spare money in your wallet
to let you spend instantly.

That's the reason why most people has trouble controlling their
spending habits. If you are one of the victims of this modern
financial creation, see if the below tricks are useful to you.

Earn More Money
---------------

It is not a bad thing to fall into debt. Look at the positive side,
it actually urges you and motivates you to earn more. Your current
income is simply not enough to cover your desired lifestyle or
needs.

Why I say "needs"? Some people own money not because they like to
spend a lot. For example, expensive medical fees demanded by
hospital when your old parent is hospitalized may be the cause of
maxing out your credit limit.

The most practical and encouraged solution: EARN MORE MONEY.
Take up a part time job.
Start a business!
Increase your productivity!
......

Just make more money. Period.


Turn Credit Card Debts into Term Loans
--------------------------------------

Call the banks to seek for alternative. Instead of keep paying the
not-so-affordable minimum payment, you can ask to turn the debt
into term loans with lower interest charges.


Shred the plastic
-----------------

To avoid using the card and keep on spending more, cut the credit
cards. When it is out of sight, it is out of mind.


Use Debit Cards
---------------

I know credit card gives you convenience and safety, especially at
petrol station. You can always replace it with debit cards.


Overdraft (OD)
--------------

If you have a property, such as your house, you can apply Overdraft
facility to settle your credit card debt. OD interest is lower.
Moreover, you can always pay it off earlier ,unlike term loan or
car loan.


"Relatives-financing"
---------------------


Be honest. Talk to your relatives and close friends. They will lend
you the money if it is not substantial. You can spread the amount
to several friends and relatives. Instead of paying 18% credit card
debt interest, you can pay them slightly higher interest compared
to Fixed Deposit rate.


Cut Expenses
------------

This is the obvious thing to do.


Pay more than the minimum payment required
------------------------------------------

This sounds simple. But most people won't realize that they had
increased the credit card debt until the day they can't even afford
the minimum payment.


Balance Transfer Program
------------------------

You can apply new cards that offer you low interest or
interest-free period when you transfer balance. Instead of paying
many small debts, consolidate them and only focus to settle one
debt.


Insurance policy loan
---------------------

If you have paid insurance premium for a few years, you can take
out policy loan to settle your high-interest-debts.


Seek help from AKPK
-------------------

AKPK is a debt counselling agency by the federal government to assist
you. They may be able to help you negotiate with the banks and
solve your problem earlier. Don't be shy to call them.

Do you realize that when you don't need money,
banks keep calling you to lend you more?
But when you desperately need the money,
they are somehow reluctant to hand you the cash.
This is the reality.

So, how do you settle your credit card debts?
Tell us your success stories. Or you can also warn us with a bad
example.

Tell use your story here at the comment section:

http://kclau.com/wealth-management/reduce-credit-card-debt/



--
Mohon Derma :
Rumah Anak Yatim At-Taqwa
Pertubuhan At Taqwa - Maybank 5580-7920-2536

Derma Masjid Bosnia
Wan Shohor Bani Bin Leman - Maybank 5140-6605-4194

Terima kasih.

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