raya wira n beranak!! =)

hermss..
theres story to be told..n its better when da story is yours..huhu..
since eid aidilfitri just around the corner, we (me n all my famly) is celebratg eid at grandma place; kch..usual we drive car to kch..dis tym its no diff..its take 8 till 10 hours long tyrd drive..huhu..bt dis tym its takes almost 12 hours sittg still in dat car..thankfully da car is new n feels great when i sleep third quater of da journey..haha..my dad only allowed me to drive da last 2 hours dats js when he sleep snouring sound..hes darn tyrd dat day which i dont know why..huhu..plus da traffic is heavy makes da drivg huhhhhhhhh..
my wira; i askd my gf to takecare..kelisa my cuz responsible..shes babysitters my arnab for da whole weeks n dats a very fair trade i think..hahaha..=D
(29.09.08) ; 03:15 am..
jiran mem kmk ngu bln mk beranak n entah gney2 mlm tek nya ng dah mk beranak..so famly mem kmk tlg la anta nya pg hospital pakey keta kmk..huhu..keta wira kmk..heehee..dlm pjlnn ke hospital jiran ya beranak lm keta kmk..hehee..wat a day for my car!! ok..kmk rs wahhhhh..keta kmk "bertuah" duhal..hehee..no lah!! bgs gk nya beranak ba n bkn sng mk dpt org_beranak_lm_keta..hahahaha..LOL!! tp ng kmk suka n allhamdullillah dpt jwk keta wira lmk kmk nlg org yg memerlukan..
mem kmk alu mlawak yg jirannya brk nama anaknya mohamad "wira" arif..huehue..lawak2 yg kmk cyk mula2 pn ntah knk..oklah..bln bait ada jwk tempias pahala keta ya..JK!!
[ i tried to write da above text in eng but its hard to do..huhu..sarawak gk sng..n im newbie in eng writtg..XD ]
for eid mubarak i cant wait to "menziarah" old folks..uncle aunt n nenek2..firecrakers?nt as much da old day..im old enough n da price is nt dat affordable anymore..angpow??still hv bt dis tym im giving n nt recieving..hehee..im glad to be da giving hand..yeayyyyyyyyyy!! new baju melayu??dis year i made 4 new baju melayu..best nk??color?grey white peach and purple(if im nt mistaken la)..hahaha..status??still single..XD
yajak tk knktk..heehee..klak raya kmk tulis gk..tekak??bsk ka lusak raya??hahaha..apa2pn xhal sbb yg pntg kmk raya ngn famly kmk..
my mum!! thanks i love u~~shes who made im today..
my dad!! evendoh we fight alots bt still i love u!! i made wrong mistake bt..tgu pagi raya la mntk maap k..hes who im ever since im alyk most of him..
my sis..pizah zurin n damia..heehee.. they creates mess n joy in my lyf..dats wat make brotherhood ryt??love u guys!!
oklah..yajak tk knktk..ws!!

ps : knk saya dpt post blog owh??hahahaks..saya ada bekal broadband celcom..=)
SELAMAT HARI RAYA SUMAAAAAAAAAAAA!! MAAP ZAHIR BATIN K.. XD

golD investment~~~ =D

today ((18.09.08)) gold price jump rm 10 frm last trading day..to be exact da price is around rm97.00 per gram which is quite a good tym to sell to those who buy around rm80 per gram..

heres 2 story; way 2 different story bout gold n investment n profit..

public bank gt gold saving nt in rm saving bt in term of gold per gram..u buy gold n in da saving book state hw much gram u buy n on what value u buy dat trading day..da pricing is fluctuate everyday accordingly to da gold global market..its js depend on da fudamental of demand..if evry1 buy gold then da price will shot up..n if evry1 sells gold then da price will depriciate..simple!! but what hard to read is when all those want to buy vs want to sell..if u buy when evry1 sells their pile of gold then ull be lucky..depends on when evry1 starts to buy piles again..so da price is determine n fluctuate mostly..

back to my story..
1st story of all..my dad version of story..
hes duin gold investment too..hes nt to bullish n nt to moderate..js in between la..hes start buying gold last month when da price js around rm80 plus per gram..hes lucky!! he gt money to buy n da tymg is all in his favour to salvage..he eventually buy rm100k of gold dat tym averaging of rm84 per gram..
da best part start js dis morning when he call me yellg saying he gt "free" money of rm10k frm gold investment..haiyyyaaaaaaaa!! he askd me to sell mine too..huhu..in js 1 month tym he gt 10% interesting money frm his investment..
heheee..hes strike on dis!! superbly done..

2nd story..mine version of da story..
me js sell my gold last month n lost bunch of heck money..shittt!! i "think" i need to use dat money..its wasteful evry sweat of my hardwork..bt dat gold investment is on da company stock nt as profitable as real gold bullion..huhu..
wat concern me most is; i js want to buy those "cheap" gold da day before but..i gt no cash money js another bank check..darn!! its nuthg near 10k profits if i buy too..((gt nt as much cash reserve as my dad))..bt still winning sumthg ba..k raya pn ok yaaaaaaaa!! hahaha..
i lost bunch of rm on dis!!

ps : dats 2 story of gold n investor; me n my profitable dad!! hahahaha..
whats new is gold can easly reach rm600 per gram price in 2 3 years a head..better i do sum gold saving for dat heck profits while gold is still consider cheap..tymg is evrythg!!

acciDent happens; insurance cover la!!

Last Thursday((11.09)) was kind da weird n happend fast..hehee..my mum meet with an accident..shes driving her new nissan sylphy((sylpyh pertama kt btu n pertama jwk yg eksident..hahaha..5days only ba..")..))..huhu..da car is not in a very bad condition..still new but da sparks is none there..scrathes all over da front bumper n da grill looks darn it nt lyk a new car anymore..

hermss..

for da accident thingy was past..n i dont want to brad dat matters here..wat do i concern most is hw "our" ppl respons wif insurance covers..

at 1st im moron wif no knowledges on hw to claim da car insurance..i want to repaired the car on my own expensess..bt when i talkd wif nissan person they told me better dat i claims my insurance so they ll covered the repairs payment n surely the car ll get new part "change" da scrathes part..dats better than spraying or gluing da part..euuu~~ mum is dat glue on our front bumper??hahaha..jgn eyhh!!

i asked da person is it possible??
sure y nt?? u paid the insurance ba..plus ur car is still new n its a waste to js spraying da scrathes..wat about da chrome part??u ll make our sylpyh looks worst..
hersmm..can u settle da matters for me??
of course mennnn!!
((dats conversation is adjusted for more fun n easy to understand..huhu..))

he asked me to make a police reports..so my mum done it early in da next morning..nw??we js wait for da new shining spareparts..its far more better than fork my own money for repairing da damage..its cheapper n its easier as long as u know hw..

how to claim car insurance??repairs for da accident damage only..da stolen car i dont know..
1. after u meet with accident dont panic..breath in breath out..hahaha..dis is no JK since anythg can happens..((i maD lyk hell..seriusly!!))
2. after u really calm talk wif da 2nd or 3rd party if da accident involve more than u urself only..u need to settle wif da involves party 1st..asked him / her if they want to settle wif or wifout police reports..((in my mum case; shes totally a fluck n losers..dah bgs kmk kakar bebait nya tgi sora kt kmkorg??sbr ariFF sbr bln posa!!))
3. if its ur fault dats da accident happens in da 1st place..u need to :
a. try to calculate da damage n negotiated wif da owner..if da damages is nt a big deal better u repairs da damage using ur own pocket money..
b. if u think da damages is huge js asked da insurance to cover it..
4. asked help frm da ryt person..atleast talk n get some good idea on hw to manage da matters..car dealer or insurance person can do..hopefully they can help u..
5. plan on wat must be said on ur report..dont lie cz if busted by da insurance company then ur insurance cover ll nowhere to be found..pay urself laaaaaaaaa!! dat planng is js to make sure u dont miss da important detail..
6. dats it!!!! after da report u js askd ur insurance through a helpg good car dealer or machinic..they really good n expert on dis dealg wif insurance..

by helpg u they also helpg themself..for da machinic they ll repaird ur car n repayment by insurance..usually they ll askd more 300 400rm..bt heyyy..who cares as long ur car shine as new n its still nt ur money bt insurance cover..dont afraid bt askd wif da ryt person next tym..i learn my mistake hope u ll next tym..hahaha..accidents happen wifout we know it..js in case..besides; knowledges is important ryt??

Allhamdullillah my mum sylpyh ll looks shine as new again!! ")

ps : Damia sempat support me tym me klayi ngn abg org ya dgn mdh "dah la itam mcm tambi geley!!" HAHAHAHA..LOL!! =) thanks dear2 sist!!

newly blog

dah 10 hari kita bpuasa..hehee..lmk dah tp xda rasa glk..hehee..raya xlmk gk..aduhhh!! expression duet kuar n tymg nya kureng bgs..haha..((ney x; 2 bln dah kmk kerin gila2 for some reason n duet yg akan ada spttnya d plan k beli stock yg sgt2 mrh knktk..huhu..)) ADUHHHH!! raya penting!! saham pn penting; lbh2 gk tym mrh cmtk!!

NVM..u ll eventually DO da ryt thing when da tyms comes ariFF..

puasa??
xdapapa jwk bezanya dr taun lps ba..bazaar mkn kureng meriah n x ramey org..stall semadi mk bjual jk..ylh dak mek medoo..sdk mk jual byk ekonomi x berapa mmberansangkn ba..tk suma psl inflation n mnyk nait..huhu..kuasa beli xda..ssh nk??yg trk peniaga kecik sbb sdk ng xda kelebihan volume n semestinya sdk xpt tawarkn rega mrh sbb margin untg jk tk cover pendapatan sdk..heehee..ya point kmk la..

saham??
from da peak of BSKL around on Jan or Feb..cant recall but da highest is 1550 point..dats da new record..nw??its js around 1050..n still droping ba..its lyk 30% cheaper than before..kn best mn bbeli brg ORI AND VALUABLE pd rega discount..30% ya total market..ada stock yg ggk 70% of their price..ada almost 85%..wahhhhhh!! ((im talkg bout good cashflow company and high return profits for da last 3 4 years..we r talkg bout potential company which had been sucK in a big black hole..da price is far2 more cheaper than da real value..))this is great for 2 condition :-
1. if u got MONEY!! buy now; dont walks in group..n strike once or twice on da best deal..dont deversify..
2. u MUST choose da ryt company wif da ryt tym to buy((since u dont diversify))..n ofcourse u must be patience since no 1 knows when da market ll recorver..but hey........u hv bought da best cheapest stock so u shud get da result WHEN DA TYM IS RYT again!! patience is da key factor..
i bet my saving on dis..n i learn from my own mistake before..its hurt bt i lyk it!! its way better than learng from reading through books..we cant really feels wat da idiotic mistake makes by other even if our iq is 160..
we can say lerrrrrrrrr; wat a stupid guy he / she was..buying high selling low..((i said dat all da tym before n i pay da price nw..i made dat mistake too..buying high at 1550 point and selling far lesser..learng experience..hehee))u must feels it!!
dats for nw..

ADVICE : theres nuthg wrong to start n do business even sellg kuehh at bazaar ramadhan..for starting dats da way we learn..n dats da way we start..i lyk ppl when they "semangat" want to CHANGE their lyf their culture n their cashflow..we might do sumthg foolish along da way bt dats better than duin nuthg..lyf is once so live lyf to da fullest in all sort of aspect!! ukur baju d bdn sdri laa..n i hate most when sum1 sumhw start bsnss wearg smart tie n coat and showg off their gadget when they even cant explain da fundamental of wat da heck r u duin brooooooooo?? we need to work da best solution dat fits u..dont do as wat ur fren does evendohh they suceed big..every1 do gt their specialty so find urs n works ur way to improve n gets da result..yg penting ENJOYSSSSSSSS!!

ps : im lucky to be in wat condition im now..Alhamdullillah!! i learn bsnss a few years tym n i love it so much way better off compare to engineering or medic..its hard n its really fun!! heehee..im lucky!! evrythg happens for a reason..evrythg done is for da result in da future..prepare urself wif knowledge n hopefully u can get 1 or 2 chance to change ur lyf n dats wat most ppl call LUCK!! alhamdullillah..dont screw ur chance n tell evry1 dat u r nt dat lucky..Allah mnlg ssebuah kaum yg berusaha mgubah nasibnya!! dats nt LUCK bt dats preparation plus Allah giving..
gooooooo go chaiyooooooooooooooooooooo!!

KMK SUKA PEPATAH TK..1 HAND IS BETTER THAN TWO HAND DATS NOT DUIN ANYTHG..kmk bc dr buku..hermss..kmk tmbh gk..1 HAND IS SUPERB SINCE DA BRAIN DO ALL DA THINKG WHILE DA 2 HAND DONE DA JOB FOR DA 1 HAND!! ((dats da way i work nw..n ofcourse la im da 1 hand guy..))

SELAMAT BERPUASA!!