Saturday, February 13, 2016

Now is good time to invest in Unit Trust

Salam, 

Kawan-kawan dah buat pelaburan Unit Amanah tak? Kalau ada yang belum buat, inilah masa yg terbaik untuk mulakan pelaburan unit amanah kerana kesan dari keadaan ekonomi sekarang ni, harga unit trust menurun atau dengan kata mudahnya harganya MURAH!. 


UNIT TRUST ON SALE, ON SALE!


Anda boleh baca artikel ni NOW IS A  GOOD TIME TO INVEST IN UNIT TRUST. Inilah waktunya kalau belum mula lagi. Jangan bertangguh.

Saya dah invest selama 9 tahun dan pulanggannya amat memberangsangkan. Sebagai contoh Public Ittikal Fund. Walaupon sekarang harga unit tengah rendah, namun pulangan P Ittikal masih memberangsangkan.

Pelaburan RM5,000 kini berganda-ganda menjadi RM10,039. Ini bermakna pulangannya adalah 100%! 
Nama fund: Public Ittikal Fund 
Pelaburan lump sum: RM5,000 tahun 2006
Nilai pelaburan ketika Feb 2016: RM10,039
Total return: 103%
Average return/yr: 11.4% 
Pls take note dividen tahun 2016 belum masuk, insyallah bulan May ini.
Ini  bermakna pulangan ini lebih tinggi berbanding pulangan Fixed Deposit, ASB, TH dan juga EPF. Insyallah pulangan Unit Trust adalah lebih baik berbanding simpanan lain dalam jangka masa panjang , advisable melebihi 5 tahun.  


Dan jika anda ingin mulakan pelaburan, ada pelbagai dana shariah. Antara yang saya minat dan saya sendiri melabur adalah Public Ittikal Sequel ni. Tengok performance selama setahun ni dalam tempoh ekonomi yang merudum ni, prestasi Ittikal sequel masih baik berbanding Bursa Malaysia Emas Shariah Index (FBMS). Dan kalau dilihat, ketika ini harganya tengah turun, Nak tengok harga lebih jelas di link ini. 


Alhamdulillah, ramai yang megambil peluang yang baik ini dengan membuat pelaburan melalui cash atau wang EPF.

Jadi, kalau anda ingin memulakan pelaburan, insyallah saya akan bantu untuk merancang kewangan anda dengan lebih baik. Boleh hubungi farradasmiley@gmail.com atau wasap 013-3413040.


3 cheques submitted early Feb 

wasap ya 013-3413040

Tuesday, February 2, 2016

Nak beli sim card apa di NZ?

Salam semua..

Kalau kita pergi holiday oversea, antara persoalan yg kerap dibincangkan adalah perlu tak nak beli data/sim card untuk tujuan telekomunikasi.

Sama la macam kami aritu..

Nak beli ke tak?

Kalau nak beli company mana ek? Vodafone? Spark dll

Akhirnya kami decide untuk beli 1 sim card. Dan kami pilih Spark.

Kami beli di airport 1.5gb data+sim card berjumlah nzd25.

Pakej yg kami amik ni just nice utk usage for 1 week dengan syarat kita tak ON 100% mobile data. Kita guna agak berhemah juga hihi. Kami guna bila perlu contohnya -masa nak contact kengkawan/keluarga
-masa tersesat so we need to browse google map
-masa nk browse to find info ie kedai, alamat etc

So in overall advantage Spark ni:
1) nzd25 kira agak murah la kan
2) boleh check usage online. So tau la nak agak2 nak bajet guna data
3) banyak wifi hotspot. So dapat la save ur data usage. Senang je nak cari wifi hotspot Spark ni, cari public phone Spark. Phone kita akan auto detect bile ada wifi. Mudah sgt.
Public phone Spark mostly available at all major area ie queenstown, te anau etc.

Diharap info ni membantu.

TQ

Friday, January 29, 2016

Melbourne NZ trip: Great Ocean Road day 2

Pagi tu kami breakfast nasi lemak dan cekodok lemak manis Adabi. First time le I beli semata nak bawa ke sini sebab kawan2 sume kata sedap. Kami berjalan sekitar tepi pantai nak tengok jeti... 

The Razorback



Loch ard gorge
Just three minutes from the world-famous formation of the Twelve Apostles.


View dari atas 

Sampai dah kat bawah..suke sangat anak-anak dapat main air laut dan pasir..habis kasut Muaz..lenjunnn huhu

The 12 Apostles.
The highlight of the trip!

Too many beautiful pictures from our camera
I missed our last trip very much
Thanks Abg Az for taking WEFIE for us ;)
A walk to remember..
And WEFIE again...hiks
I just love this flower/tree

Apollo Bay

Kat sini, berkumpullah semula ahli rombongan NZ berpiknik dengan lauk chef masing2 hehe. Anak-anak kemain suka la dapat jumpa balik kawan2 ..dan tak tgk food sgt..sibuk main kat playground



Kenneth River 

Datang sini nak tengok Koala ...FOC
Dapat main dengan Parrot...FOC too 

Splitpoint LightHouse


At end of the walkway from the light house, you will see this view


Entrance GOR
Lepas tu kami singgah di playground berhampiran bagi anak2 happy.
Seterusnya kami singgah solat di Masjid Geelong

This is very nice mosque. It's actually a church converted to mosque.
We met isteri ustaz Masjid ni, seronok plak berbual..dan die terus promote her newly opened restaurant. So 2 famili terus ke sana dinner dulu sebelum kami bergerak ke Melbourne Airport.

The halal restaurant in Geelong. The taste and the price is satisfactory. Highly recommended. We was served in very delightful manner.
Flight kami ke NZ berlepas jam 12.15am. We returned car around 9.30pm di Hotel berdekatan Apex sebab after office hours. The location is specified in our booking slip, so don't worry ya.

Sampai di Melbourne aiport orang punyalah ramaiiiii. Walau kami dah check in, (susah payah aku check in wehhh)..tapi kene gak check in skali lagi. Ciss jetstar ni..memang havoc aa situasi kat airport niii huhu..risau gak kami kalau lewat sbb Q panjangggg.

Flight Jetstar i tell u tak le selesa sagt..seat kecik. Selesa lagi Airasia.Tak dapek imagine orang yg naik Jetstar dari KL to NZ huhu. Or adakah sbb short distance so naik airplane kecik? Ntahhh
Finally kami selamat tiba di Chc Airport NZ jam 5.35am. Syukur Airportnya lengang..tak ramai orang damai skali ;)

Thursday, January 28, 2016

Baju Melayu 2016

Salam,

Seperti tahun2 lalu saya menjual baju melayu berkualiti pada harga berpatutan.

Ramai dah asyik bertanya melalui e-mail. Terima kasih. Saya amat menghargai sokongan anda ☺

Dewasa sahaja buat masa ni.

Harga RM90 termasuk pos
Material: Dull Satin

Beli lebih 1 harga boleh dirunding yer

Wednesday, January 20, 2016

Mudahnya convert Maybank Treatpoints ke Airasia Big Points

I memang suke kumpul points Airasia Big. Semalam I called Maybank untuk convert points. Wah mudahnya convert Maybank Treatpoints ke Airasia Big Points.  Semalam call, pagi ni I checked online, points tu dah masuk!

Actually, this is the 2nd time I did conversion tapi before guna guna form. Susah. Cari ni mudah je. U check dulu points Maybank dulu, kalau dah ada 7,420 je dh boleh dpt 1,000 points.

Points Structure:

Maybank PointsBIG Points
7,420 TreatsPoints1,000
5,936 Membership Rewards Points1,000
* Conversion to minimum of 1,000 BIG Points.

How to Earn:

  1. Maybank Visa, MasterCard and American Express® Credit Card Cardmembers with TreatsPoints can redeem by Phone at 1-300-88-6688.
  2. American Express® Charge and Credit Card Cardmembers with Membership RewardsSM Points (issued by Maybank Malaysia) can redeem by phone at 1800-88-9559.

Terms & Conditions:

  1. Available for all Maybank Cardmembers excluding supplementary cards.
  2. Redemption is available with TreatsPoints and Membership Rewards Points.
  3. BIG Shot ID is compulsory for redemption / conversion
Dalam statement big points cenggini:

No 1: BIG points conversion dr Maybank Treatpoints 7,420 to 1,000 BIG points
No 2: BIG points conversion dr Mydin 1000 to 500 BIG points, buat masa 3 Jan. Cepat jugak.

Cara nak convert points Mydin, tengok kat sini

Untuk kawan2 yang kaki jalan, I mmg recommend you jadi member Big with Mastercard holder ;). Kumpul points bebanyak dan terbang percuma or at least beli tiket murah! hehe

Actually you memang spend for groceries, so u can use the Card at any shop as long as kedai tu ada 'pos terminal'. Biasanya terminal ni memang boleh cater both Credit Card dan Debit Card macam Big Card ni. Owh terminal leh nampak kat cashier tu yer 

Saturday, January 16, 2016

Itinerary NZ selama 8 hari dan info bajet :)

Salam dears,

This entry would be text only ( or otherwise I would revise later and include pictures).

Hari ni I wanna share the overall itinerary of our last trip to South Island NZ from 21 to 28 Nov 2015. Trip ni actually consist of 7 families but not everyone is on the same agenda. 2 families choose motorhome and the rest including us just using car/mpv.

Day 1: Christchurch- Rakaia George- Lake Tekapo
~ Canterbury museum
~ Lunch at Kebabland level 1 Westfield Riccarton and then groceries shopping at pak n'save (same place)
~ Take inland scenic view to Rakaia George having stunning view of the turquoise waters.
~ Activity : Discovery Jet Boat. More info on family activities in NZ . Cost NZD45 adult
~ Accommodation: Lake Tekapo Holiday Park. 2 bedroom house NZD220

Day 2: Lake Tekapo-LAke Pukaki-Twizel- Wanaka- Lindin Pass- Queenstown
~ Church of Good shepherd antara port strategik nak stargazing
~ Mount John Observatory; Another excellent place for stargazing.
~ Lake Pukaki. Lake Pukaki is the largest of three roughly parallel alpine lakes running north-south along the northern edge of the Mackenzie Basin on New Zealand's South Island. Turquoise blue for the whole lake, with snowy alps on the background.
~ High Country Salmon. Free feeding the salmon. Tapau salmon for dinner too!
~ Lindin Pass
~ Wanaka Lake; having lunch here
~ Wanaka Puzzling World; kids love it so much! Cost NZD 66 for family 2 adults and 4 kids.
~ Cromwell: Jone's Fruit Stall. Enjoy best NZ fruit ice cream pergh
~ Arrowtown; Bandar style 70 an
~ Activity : Discovery Jet Boat. More info on family activities in NZ
~ Accommodation: Pinewood Lodge. 2 bedroom house NZD160

Day 3: Queenstown
~ Water sports Queenstown: Aqua Bike. But ours was cancelled due to bad weather.
~ Skyline Gondola + 8 Luge Rides Queenstown Family Pass NZD127
~ Glenorchy; tempat shooting LOTR
~ Lake Wakatipu
~ Queenstown mall; Shopping cheap souvenirs like Tshirt, Fridge Magnet, manuka honey skincare and lots more at DF Souvenir, shop closed at 11pm.

Day 4: Queenstown- Te Anau 
~ Kawarau Zipride and Bungy. We only did Zipride. Cost NZD25 per adult/kids.
~ Queenstown Garden
~Te Anau
~ Accommodation: Alpine View Motel

Day 5: Te Anau- Milford Sound- Dunedin
~ Milford Sound Cruise. Cost NZD 113 for family 2 adults and 4 kids
~ Gore. Fuel cost a bit cheaper here than Te Anau
~ Dunedin beach
~ Groceries shopping at Pak n Save. Get fuel discount voucher here. Highly recommended!
~Accommodation: Beach motel Dunedin . 2 bedroom NZD160

Day 6: Dunedin
~ Cadbury's World. NZD 56 family tickets
~ Dunedin railway station
~ Otago University.
~ The Royal Albatross Centre
~ Sandy Mount
~ Baldwin Street (world’s steepest street)

Day 7: Dunedin- Oamaru - Elephant Rocks
~ Otago museum
~ Moeraki Boulders, Oamaru
~ Caroline Bay,Timaru nak tgk penguin tapi penguin keluar malam jek huwa
~ Elephant Rocks; Massive limestone formations sitting in a sea of grass on private farmland.
~ Accommodation: John Holiday Park . 3 bedroom NZD180

Day 8: Christchurch
~ Air Force Museum
~ Christchurch Botanic Gardens
~ Kayak @ Avon River. NZD45 for 2 pax=per kayak

Flight ticket:
Kul to Melbourne by AirasiaX: RM654 not including meal and luggage
Melbourne to Chc by Jetstar RM598 including luggage
Total RM1332 per pax including meal and lugagge
How did we secured the cheap ticket? Click here. But now you can fly direct to NZ by AirasiaX! ok next entry i share! heeh

7N accommodations for 2/3 bedroom motel/house equipped with kitchenette.:NZD1200

Laundry for 2 times:NZD17

Travel insurance for 2 countries NZ and OZ: RM175 per family

Groceries: NZD520

Fuel:NZD290

Car rental : NZD777 ( Estima)

Parking: NZD9 ( queenstown, dunedin, chc)

Activities for the whole family: NZD730 ( in total ada 9 payable activities)

Communication: Spark NZD25. Highly recommended. Beli kat Airport It comes with sim card and 1.5GB data usage. It offers lots of wifi hotspot, just check out all Spark's public phone. We save a lot on this!

So in summary per pax is not more than RM3.5K only including flight tix with lots of activities in South Island...except bungy jumping huwa


Friday, January 15, 2016

Rumah kami dah terima menantu!


1 Jan, tahun baru bermula dengan majlis nikah adik yang berlangsung di rumah kami. Alhamdulillah syukur majlis berjalan lancar walaupun pengantin lambat haha. Kene sound dengan tok kadi hokey. Akak tuan rumah pon stress juga sebab sket2 orang tanya mana pengantin. 

Untuk hari nikah, makanan berat kami order, manakala untuk kuih muih semuanya akak buat. Excited juga kan hehe sebab rumah nk terima menantu!

So hidangan yg akak masak:
Choc and blueberry muffin
Cream Caramel
Cheese Tart
Popiah goreng

Akak start cuti 3 hari sebelum majlis ok..mcm aku lak pengantin. Ok ni ada sket gambar sempat snap :)
Choc muffin gebu

Cream caramel ada dalam lebih 120 cups..mujur anak2 rajin menolong! cuti sekolah kan..hehe

Cheese tart..tak cukup le..tetamu ada 100 orang camtu

Untuk pelamin nikah dan bergambar kami sewa murah je RM220, tapi kene bayar sendiri..tu diaaa..
Simple jer...depe bagi 1 je carpet putih..so jenuh gak pinjam kawan2 adik carpet cerah2

Majlis bermula lepas Asar..akak ada kat tangga nun ekekke

My sis & parents 

Kenduri kahwin pula berlansung keesokan harinya, 2 Jan , on my sis birthday too. Kami buat di Dewan Masjid Al Ghazali. 

Suke sangat pelamin ni...meriah!


Excuse us...pengantin lama pon nak posing ya ekekke :D