LIFE IS ABOUT CHOICES

LOCATION : WORKSTATION
SONG : BAD BOYS

Life is all about choices. We should properly choose what the life that want to live in or with. Exactly, sometimes (or maybe for some other people), there will be some challenges. Whether it is small or big challenges, its doesn't matter.

We may learn from mistakes. Yes, not only from ourself, but, mistakes by others, we should also take it as a gift or a learning point. What the crab that I am doing right now? Hahaha...

Alhamdulillah, boss has approved my leaves. Looking forward to experience a great kayaking event this Friday. 30 km from KD Duyong to Teluk Nipah, Pangkor. Then, on Monday, I need to be at KLCC as on Tuesday, there will be a board (or BORED) meeting. Hopefully, I wont get burned by the sun (I wish!!!I wish!!!).

Waiting for Siti Nurbahyah to settle a bit more of her work, then I can leave the office. Oh yeah, not staying at the office for nothing, completed my Board presentation. But, I have another 1 to go...tomorrow, will get all done. InsyaAllah...

# worksmart .... a initiative by PP(M)SB (I laugh at it)


LOVE, ZAID . . .

6 QUESTIONS

LOCATION : OFFICE
SONG : BACK TO DECEMBER

I took this valuable opportunity to get my blog living again. Yes, during the lunch break, I update my blog. Yesterday, we had a very nice talk from a property millionaire - Azizi Ali. Give us a wake up call on every single little things that we do in our life.

And the most important is, try to grab the opportunity. Yeah, it comes once in a time. But it will comes again another time. Grab it now, or later, doesn't matter. Just think very wisely before you make any decision, especially a decision that very important in your life.

Hopefully, Azizi Ali don't mind if I share few tips from him here. 6 questions that you need to ask yourself before involved/ invest in anything:

• WHY ARE YOU MAKING THIS INVESTMENT?
• HOW LONG CAN YOU KEEP IT?
• DOES IT TIE-IN WITH YOUR RESOURCES?
• CAN YOU SLEEP AT NIGHT?
• CAN YOU SELL IT AT PROFIT?
• i forget the 6th one...

Plus, where to put your money? The second item would be nice:

• ASB
• KOPETRO
• PROPERTY
• GOLD

Well, I just registered KOPETRO and now, looking forward to invest my EPF in ASB. 

# He was broke during his first 4 years working, and now, a millionaire ... (i was broke too...i will be a millionaire too?)

LOVE, ZAID . . .

I GOT IT!!!

MODE : OVER EXCITED
SONG : TAK BISA MEMILIH

After few trials, and I almost give up, I managed to capture this photo.

I was amazed by HIS creation while driving back from office around 7pm. Try to snap it when I have arrived at home, but, I was covered by the night cloud. Waited until plus 9pm, then only i managed to see it again...

Look, the pattern on the moon is clearly visible...

# nikmat manakah lagi yang engkau dustakan...


LOVE, ZAID...

BERAPA HARGA?

MOOD : EXCITED
SONG : YANG TERINDAH HANYALAH SEMENTARA

Well, I don't know how this thought come across my mind. Suddenly, it just "zass" in my head. You won't believe this "during peeing". Gross!!! But hell yeah, I think it is a good thought that i should capture it here.

BERAPA HARGA? or HOW MUCH?. Hahaha. My house mate, asked me this morning, during breakfast:

Kunk : How many?
Me : 2 pieces

and we laughing. Not that because I misunderstood his question, but, actually I try to make fun of him. But then, I realised that he was actually asked a wrong question. Which actually he wanted to know, how much the breakfast cost him (as i bought it for him), but then he asked how many...

That is not the story. Long time ago, i think somewhere last year. Did had some talk with my colleague. About his MLM. But it is already ends...too bad. I asked him, how much he put the investment.

RM30 thousand!!!

and guess how much the returned he got...Only RM25 hundred.

Well, I told him, this is how much it cost you - LIFE EXPERIENCE "Pengalaman Hidup".


It is true right? The experience cost him RM30k and 10 years of loan monthly installment. Expensive right? Everyone, i believe, should have their own fees for any experience, whether it is good or bad. Cheap or Expensive. High impact or low impact. Monetary or Others.

I have mine. Cost me RM1.5k during my study time (yes, MLM). And RM4k for some treatment on my hair. I am getting bold!!! And it is bad when you have a credit card. Mudah terpengaruh. But I have earned my experience.

How much is your's?

# apasal aku ngade2 tulis dlm English lak nih?


LOVE, ZAID...

ANDA PAYABLE OR REFUND?

MOOD : HAPPY
SONG : KETULUSAN HATI

Semalam dah dapat EA form dari syarikat kesayangan tempat aku bekerja. Yeay!!! Ape kes happy nih? Bukan duit nak kena keluar lagik ke? Hehehe. Tak jugak, kalau kena pada caranya...

Tanggal 30 April 2011 merupakan tarikh yg amat penting bagi insan2 yg telah bekerja. Ingat ke tak nih? Inilah tarikh terakhir utk buat submission yg terpenting. Ok, terpenting kat Malaysia at least. Tarikh utk submit e-filling. Ape lagik, pengiraan cukai pendapatan. Atau lebih mudah dikenali sbg PIT (Personal Income Tax). Ini utk individu je. Utk company, baca dlm Tax Act bila nak kena submit ok.

Terlebih rajin lak aku hari nih. Lepas layan citer jiwang (LOVE, NORA), yg kawan2 cakap mcm citer omputih (not so sure about this), aku layan jap buat kira2 tax utk diri sendiri. Kot2 la terkurang bayar, nak kena siapkan duit lebih sket.

Dan, terlebih rajin lak aku, aku telah men-develop a simple PIT calculator. At least, bole la pakai utk year assessment 2010. Hopefully berguna utk org lain jugak.

click je link nih : CALCULATOR

Oh ye...ni antara highlights for this year exemptions:

• Individual exemption changed from RM8k to RM9k (this saved me a lot of tax).
• Broadband allowance - limited to RM500 (another saving for me) - i think last year we already have this.
• Interest on housing loan - limited to RM10k (thank you 2x) - but there is a lot of t&c to comply with - kindly check the details.
• Personal Insurance - limited to RM3k (Yeay!!!) - this has been introduced last year.
• Sport equipment allowance - limited to RM300 (I got my squash racket last year & a ball)
• Books allowance - limited to RM1k (I spent more than that).

And a lot more especially for those who has married & divorced. I have included this important information in the calculator. May vary from the actual calculation, but would be small variance only. I tested it with the real data.

Sedikit tips on tax exemption:

• Zakat - no limit - so, try to calculate your yearly salary (agak2 je pakai excell pun bole) - then pay your zakat within the taxable income year - apply for muslim only.
• Books - even though it is limited, but, make use of it - all books and magazines are eligible for this exemption (except news paper) - when u bought a book/magazine - get the receipt - have a box for you to throw all the receipts - later, when come to e-Filling - check the box and count to exemption

Tu je tips yang aku leh bagi. Lain2 tu ikut kemampuan sendiri la. Jgn menipu ok utk calculate PIT - not cool at all...

Nak jugak letak photo

# this year, i'll get refund - cross fingers...

LOVE, ZAID ...

BUNYI MCM DAH LAMA

MOOD : BLUR

LAGU : SEDETIK LEBIH

Semalam, lepas waktu kerja, sempat bersembang2 dengan big boss. Bercerita pasal zaman study kat oversea dulu. Walaupun tgh busy nak siapkan write up email utk response to shareholder, tapi selamber ah. Big boss ni pun mmg suke bercerita orgnye.

K Nana, jiran workstation aku, graduated from MU (Melbourne Uni). Aku pun MU gak tapi Malaya Uni la. Big Boss (BB) graduated from North Wales Uni, Sydney. Demn, semua org dari over the sea nih. Bercerita pasal tempat blajar masing2. 

Yg cool nye, aku tau tempat2 kat Melbourne & Sydney. So seronot la bila bercerita. About Sydney Malaysian Hall, pasal stesen minyak next to Malaysian Hall. Terasa cam aku pun study sana pulak. Teringat citer Macha pasal his friend yg bercerita ngan kawan2 lain, pasal lokasi kat London. 

Mungkin, itu lah beruntungnya bila ada peluang utk melawat negara org. Ye lah, dulu study tak pandai, camno nak gi blajar kat oversea. Blajar je la kat Malaysia. 

Ada cam student tak?

# senyum sendiri

SKILL MATRIX ASSESSMENT

Lokasi : Bilik Tidur

Lagu : Cinta Abadi - Feminim

Mood : Malas gi training bowling

Susahnya nak naik pangkat. Kesusahan yang hanya apply for 2 skill groups. Aku pun tak sure. Katanya, nak kekalkan quality as bukan org tertentu yg bole masuk dalam this type of work environment. Tapi yg peliknya, kenapa "Business Executive"? dan bukannya "Business Professional"?

Nampak sama, tapi berbeza. Nak dinaikkan pangkat pun mcm2 hal. Semua skill group training nak kena completekan dulu. Macamla skill group training tu ada tiap2 bulan. Setahun 2 kali je pun. tu pun ada yg tarikh bertindih. Mana logika?

Aku yg terpaksa mengunakan org dalam utk pastikan aku dapat gi skill group training pada hujung bulan satu hari tu. Alhamdulillah, dapat gi. Tapi masih ada 2 lagi yang perlu diselesaikan. Which are scheduled dalam pertengahan tahun 2011. Yeay!!!Suka dalam berduka...lambat lagik la aku naik pangkat. 

I love my work, but I love my company more....

Oh...Masjid Putra...

aku beria2 nak datang masjid ni sbb aku baca wikipedia....

dirasmikan oleh Tuanku Al Mizan

Senget - view dari masjid besi

Gambar2 ni gua amik pada hari pertama abis training. Salah sendiri, lupa nak bawak cash. Terpaksa pusing jauh sampai ke Presint 9 utk keluarkan duit. Padahal kat bangi tu ada je, lagi dekat. Tapi nak ngelak jem. Rushing jugak. Sbb nak cuba solat di Masjid Besi yg femes tu....Alhamdulillah, dapat Isya' berjemaah kat sana. Masjid yg besar, cantik, tapi, kosong...

# pangkat kat akhirat taknak ke?sila improve diri ye zaid....