Wednesday, October 29, 2008

End of Month

today is 30th of october 2008,
it is the second days before this months end.
and this indicates that were are about to reach new year in 2 months time,
and ill be having my exam in next month, and im in hell of submitting assignments.
the good part is MARA pocket money is already out. :p
ah what a relieve.
so, lets finish up the assignment and get the hell out of this college!

Tuesday, October 21, 2008

waking up in the middle of the afternoon

is everything i see this afternoon when i woke up.
how Malaysia will be isolated from this global crisis?

lets put aside the isolation program.

today i wanna talk about my final project.
as a lazy final year student, my project was put on hold.
lack of this lack of that.
and i only have 1 month to finish it.
not only me, but my team.
and the biggest problem ever, financial.

back to square one.


the end has no end.....

Monday, October 20, 2008

economy crisis: are you prepared?

as we see today,
the crude oil price is decreasing,
the stock market is falling,
increase of goods price,
it is all the sign.
economy crisis.
global economy crisis to be exact.

our deputy PM, has a plan for us all to avoid the crisis.
but he havent told us yet. maybe in a few days later.
whatever it is, it might have to do with our daily basis.
the way we spend, the way we save, the way we use, petrol, electricity, water etc.

im afraid after i graduate, it is hard to find a job. because i will finish my diploma study next year. thus, during that hard time, with most of the people with job lost theirs, is there any chance for me to get a job?

unpredictable situation.
i might get a job because my salary would be in lower rate (im a diploma graduate).
i might not get a job because there is no more job left.

maybe it is a good time to get a better education. means, pursuing in degree.
but then, without money, how is that possible?

Saturday, October 18, 2008

i cant stop thinking of her

even in my dream.
suddenly this song came to my mind.
and i want to share it with all of you readers.

If you're not the one then why does my soul feel glad today?
If you're not the one then why does my hand fit yours this way?
If you are not mine then why does your heart return my call?
If you are not mine would I have the strength to stand at all?

I never know what the future brings
But I know you are here with me now
We'll make it through
And I hope you are the one I share my life with

I don't wanna run away but I can't take it, I don't understand
If I'm not made for you then why does my heart tell me that I am?
Is there any way that I can stay in your arms?

If I don't need you then why am I crying on my bed?
If I don't need you then why does your name resound in my head?
If you're not for me then why does this distance maim my life?
If you're not for me then why do I dream of you as my wife?

I don't know why you're so far away
But I know that this **much** is true
We'll make it through
And I hope you are the one I share my life with
And I wish that you could be the one I die with
And I'm praying you're the one I build my home with
I hope I love you all my life

I don't wanna run away but I can't take it, I don't understand
If I'm not made for you then why does my heart tell me that I am
Is there any way that I can stay in your arms?

'Cause I miss you, body and soul so strong that it takes my breath away
And I breathe you into my heart and pray for the strength to stand today
'Cause I love you, whether it's wrong or right
And though I can't be with you tonight
You know my heart is by your side

I don’t wanna run away but I can’t take it, I don’t understand
If I’m not made for you then why does my heart tell me that I am
Is there any way that I can stay in your arms?

hubahuba also needs love you know....

Friday, October 17, 2008

Subprime & the collapse of economic giants

the 1st time i've heard about it, i have no idea.
but, it caught my attention.
i become interested in understanding subprime.

ideas about subprime:
subprime is about loan.
subprime is practised in most constitution where money matters. (banks for example)subprime is the main reason for economic collapse in US of A right now.

lets get to the main idea of subprime.
this definition is from investpedia.
subprime loan is : A type of loan that is offered at a rate above prime to individuals who do not qualify for prime rate loans. Quite often, subprime borrowers are often turned away from traditional lenders because of their low credit ratings or other factors that suggest that they have a reasonable chance of defaulting on the debt repayment.

what causes the flaw in this system?
the "high risk loans" hell (unpaid debts or non performing loan.)

high risk loans means loan was given to individuals whose credit generally is not good enough.

lets have an example.

mr.A bought a house for 100000 dollar. he borrowed from a bank a 100% loan with 2% interest for the next 20 years. after a certain time, another banks offer him to extend the loan for 20 years more with interest rate of 5%. he accepts the offer. but for certain reason, he failed to finish his debt in 40 years, so the bank have taken the house as mortgage. because of the condition of the house, the bank couldn't sell the house. the money cant be liquidized.

because there are too many of situation that is similar to this, the money flow is interupted. company is facing with debts.

this example is not the only reason for the system collapse. other causes that contribute to the financial crisis are including speculation, mortgage fraud and inaccurate credit rating.

watch out for econamy crisis during year 2009.
be prepared.

Wednesday, October 8, 2008

hari raya : the next episode

i havent post enough about hari raya.
Malaysian have many explaination about hari raya.

-visit families
-ask for forgiveness / apologies
-happy times
-raya SALES
-new clothes, house, furniture, car etc.

juz to name a few....

but what are the true meaning of HARI RAYA?
we we celebrate HARI RAYA in the 1st place?

rite now hari raya is already over.
next raya is raya korban.

Tuesday, October 7, 2008

me, hari raya and duit raya

today is the 8th day of syawal... thats mean we have celebrated hari raya for 8 days now.
for some people.... the 8th day is the starting of their Hari Raya celebration... because they fast for 6 more days starting from the 2nd of syawal (as we know muslims are forbided to fast on the 1st of syawal) these people will start going out and visit their family from the 8th of raya onwards.....
Selamat Hari Raya to these people!

During hari raya, the most significant thing to children is duit raya. Duit raya is like giving some money as gift or sedekah to the litlle children. i dont know how this tradition started where or when. but as far as i remember, my parents, uncles, aunts are using duit raya as encouragement for us to fast when we were small. but this tradition have its own flaws...... the greed and the misspending.

the greed, the children wont stop searching for Duit Raya. some of them juz forget the values of Hari Raya. In their mind is Hari Raya + visit neighbours = more pocket money. this kind of mindset should be avoided as it promotes to bad attitudes, such as choosing only to visit only the big houses and forget about the poors. it as ruins the meaning of hari raya.

the misspending. whenever the children get their hands on their money, they spend recklessly. as children, the dont have their own money. but hari raya gives them that oppurtinity. the problems is, misspending. buying firecrackes, junk foods, toys and other unnecessary things.

these two flaws can be avoided, if the parents plays their role. as parents, the should explain about hari raya. also they need to supervise their children spending. the better ways is encouraging them to save he money, teaching them about money savings and the benefit of savings money.