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Petikan dari Berita Harian, 31 Disember 2008 Oleh Che Wan Badrul Alias chewan@bharian.com.my Jatuh 15 peratus berikutan tempias krisis global KUALA LUMPUR: Harga rumah dan hartanah mengalami kemerosotan lima sehingga 15 peratus berikutan tempias kelembapan ekonomi global serta kejatuhan harga keluli, iaitu komponen penting pembinaan hartanah baru-baru ini. Presiden Persatuan Pemaju Hartanah dan Perumahan Malaysia (Rehda), Datuk Ng Seing Liong, berkata berdasarkan makluman dan laporan ahli, pemaju perumahan terpaksa menurunkan harga berikutan permintaan semakin berkurangan. Katanya, ia disebabkan semakin ramai pembeli mengurangkan perbelanjaan dan bebanan kredit sebagai persediaan menghadapi kemerosotan ekonomi dunia yang dijangka mula dirasai tahun depan khususnya dalam industri perumahan dan hartanah. Beliau berkata, penurunan harga beberapa komponen utama bahan binaan seperti keluli yang kini hanya RM1,900 daripada RM4,100 satu tan turut menjadi penyumbang kepada kejatuhan...

last week, my pain and stressful unstable emotion of waiting for my last sem's final exam result ended. on 18 dec evening, the result successfully released online (after 6 times checking on 17 dec and 5 times checking on 18 dec morning.. hehehe). alhamdulillah.. i passed all the papers.. and all my friends too! congratulations to myself, mayah, anim, mazni, rozia, huda, asmath, zura and all coursemates! we did it! the most grateful thing is i got a- for constitutional law 1! alhamdulillah.. thank you very much Allah.. thank you very much Prof Shad for the great lecturing and kind marking of our answers.. actually, i was so worried that i will fail conti 1 because during the exam, i mistakenly interpret the wall clock. i do not have watch for the last 4 years until now. so, in the exam hall, i depended solely on the wall clock provided at the front of the hall or to announcements made by exam invigilators. While rushing on answering the Part C question, i kept on looking at th...

Bank Negara has announced to cut on the benchmark Overnight Policy Rate (OPR) by 25 basis points (bps) to 3.25%. This is expected to give a good news to property investors but bad news to fixed deposit income earners. BLR is expected to go down from the current 6.75% to 6.5%, a very good news to property investors. This will lessen the monthly loan payment and the total repayment amount, depending on the home loan package they applied. This is contradict to rumors spread from the mid of year that the BLR will likely to increase to 8%.. makes lay people fear to buy any property. If you hold a fixed rate home loan, this news do not bother you at all. But, unfortunate situation for fixed deposit income earners. The FD rate is expected to be lower too.. makes the income earned from the interest of the deposit lesser than below. Hm.. for bumi, we have another choice.. put your money to the ASB which provides a much higher profit up to 9% per annum. We also have lots of PNB products to cho...

For the last 4 years, I am looking for procedure and venue on how to be a registered organ donor. I asked government clinics but they asked me to get info from any govt hospital. Unfortunately, when i went to hospital, it must be for the purpose of visiting warded office mate and I came with other office mates. So, it is not nice to make them waiting for me while i searching for the correct counter to inquiry info on the registration. Thanks for the great IT team from Unit Perkhidmatan Transplantasi, Bahagian Perkembangan Perubatan dan Pusat Sumber Transplan Nasional, who develop a special website for the organ transplant. I notice of its existence from advertisement on tv. It provides info on organ transplant, being an organ donor and some successful stories of it. The Web is  http://www.agiftoflife.gov.my/ So, yesterday, I downloaded the registration form, filled it and faxed it to the fax number given. It was so easy. I plan to donor my kidneys, heart, liver, lungs and my co...

Last two weeks, i received a letter from DBKL confirming the transfer of ownership of the Vista Angkasa unit from the vendor (the previous owner) to me. Alhamdulillah.. my dream to buy a unit of Vista Angkasa is now almost becoming a reality. After receiving the letter, my lawyer, Shuna, who is also acting on behalf of the vendor, continue with redemption procedure.. getting the balance of loan of the vendor to be cleared. Then, on last week, after doing some calculation, she prepared an authorisation letter and emailed to me to get my signature. In the letter, I admit and authorise my loan bank (alrajhi) to pay my loan amount to: 1) the vendor bank for the full payment of the vendor's full balance of loan 2) Hasnan Hamzah as the stakeholder of the vendor an amount of money which the selling price minus the amount above 3) my saving account if there is still any balance after deducting the two above, which is actually no balance unless the calculation above is incorrect. The...

Salam Aidiladha for all readers.. Yesterday I got a comment from an unknown reader, requesting me to update my blog. For how long i am not updating it ha?Owh... more than two weeks!! ok, its too bad. Actually lot of thing happens within this two weeks that limit my free time to update the blog. Since I moved to my new house, I planned to do repainting. The original dull yellow colour makes me feel bored.. :( Even though my mom said, " Kan sayang cat asal tu.. cat baru tu..", I still stick with my plan to paint it with my self-picked and favourite colour..hehe.. two colours flew into my mind... So, 15 Nov 2008 (Saturday), my sister and I go to a hardware shops. We also looking for tikar getah actually.. My house is not built with tiles, low-cost.. And I am short of budget to put tiles now. So, tikar getah sounds ok. Then, we found that there are one hardware shop in Taman Pinggiran Putra selling paints at a price of lower than i used to buy .Lucky me! I bought fou...