Saturday, September 29, 2012

~ Ada apa dengan Bajet 2013 ?? ~

Hi & Assalamualaikum...



Baca tajuk pun mesti korang da paham-paham sendiri kan..muahaha.. yelah..sana sini duk bising tentang bajet 2013 yang telah dibentangkan PM semalam.. ada yang setuju..ada yang membangkang..ada yang complaint..ada yang fikir tak munasabah..ada yg x logik..ada yang bersyukur,terima seadanya..ada yang x kisah langsung... whateverr.. kalo nak cakap pasal politik ni sampai kiamat pun tak habis..BOSAN.. kalo yg pro-kerajaan, mmg x kisah..lagi suka dengan bajet 2013 kan? kalo yang anti-kerajaan, memang habis-habisan la duk kutuk kerajaan.. yang kerja kerajaan senang hati..yang kerja swasta sakit hati..ooppsss..jgn terasa ye..ini sekadar pandangan umum..tidak menuju kpd mana-mana pihak..heeeee




ok.. kalo korang nk berbahas pasal pandangan politik korang tentang bajet 2013 ni dipersilakan.. tapi apa yg saya nak bahaskan disini adalah faedah & keuntungan yg saya akan dapat dari bajet 2013 ni..muehehehe..jom kite tgk.. :P





Budget 2013 Malaysia Highlights
1) RM200 one-off rebate for purchase of 3G smartphone for persons aged from 21 to 30 with monthly income of RM3,000 or below.

2) BR1M: RM250 assistance money for single individual aged 21 and above with monthly income not more than RM2,000.

3) Book voucher of RM250 for students. (Previously RM200)

4) PTPTN loans: Incentive – repayment of full loan from 1 October 2012 until 30 September 2013, a discount of 20% will be given on their loan. Regular repayment gets a 10% discount.

5) My First Home Scheme income limit for individual loans raised from RM3,000 to RM5,000 per month.



Yang pertama.. rebate RM200 for 3G smartphones for person aged from 21-30..okay..bagi yang mampu beli, x usahlah anda nak pertikaikan keistimewaan ini.. sbb bukan semua orang kaya mampu beli blackberry, samsung,iphone,ipad & whatsoeva.. especially student mcm saya ni.. :P my Mr.Ben pon pakai nokia buruk (geng-geng zaman hp nokia yg boleh dibaling pada anjing dulu tu!haha).. walaupun saya pakai samsung galaxy Gio, seriously rasa nak tukar sbb asyik hang saje & keypad kecik..perlu tukar kpd yg lebih besar mungkin..maklumla hp touchscreen..tgn i ni besar gedabak.. asyik tersalah tekan font je..menyampah okay.. just imagine hp smartphone RM1000, dpt rebate RM200, so bayar RM800 je..so mungkin ini ada kebaikannya utk saya, Mr.Ben & mungkin anda yg juga seorang student @ pekerja yg bergaji rendah.. & mungkin juga alang2 bley rebate ni terfikir terus nak jadikan gadget ni sbg hantaran.. muehehe.. x kisah la hantaran tunang ke, kawen ke, apa2 pon bley... jimat di situ! :P





Yang kedua, BR1M RM250 kpd orang bujang berumur 21 tahun ke atas dan gaji sebulan tak melebihi RM2000.. okay.. yg ini Alhamdulilllah rezeki dari tuhan utk orang-orang bujang, student, penganggur macam saya ni..hahaha.. kepada orang yg baru kawen, atau yg akan mendirikan rumah tangga akhir tahun ni, jgn jeles..mungkin bukan rezeki anda..hehe.. dengan duit bantuan ni, boleh la beli apa yg patut.. terfikir nak guna beli doorgift utk majlis kawen.. takpun beli hantaran yg lain mcm gubahan coklat, kek, cincin...biar la majlis x tahu bile pon..hahaha..xpon wat jadi modal bisnes..hmm..bernas jugak...kehkehkeh





next, yang ketiga, baucer buku RM250..da naik RM50.. Alhamdulillah jgk..mampu ringankan beban nak beli buku & alat tulis nanti.. tapi da terfikir nak beli al-Quran & makna sekali with colour2 tu..tahun lepas punya baucer buku x sempat beli quran mcm tu sbb x jumpa.. sobs.. harap-harap tercapai hajat gak nanti.. okay..Quran ni pon nak wat hantaran jgk..hehe






Seterusnya yang keempat, PTPTN loan dapat diskaun 10% bagi sesapa yg bayar dgn istiqamah & 20% bagi mereka yang bayar sekaligus.. nak bayar sekaligus x mampu..InsyaAllah dapat MyPhD tahun depan da start nk bayar secara istiqamah..Aminnn :)





Lastly, Skim Rumah Pertamaku.. harap2 tahun depan Mr. Ben da keje & dapat apply skim ni..hehehe.. Amin..buat kawan-kawan yg da nak kawen pon bley start da apply ye..;)






Ok...bantuan kerajaan bagi kat kita ni pandai-pandai kita la nak guna..ikut kreativiti masing-masing...gunakan dengan sebaik-baiknya.. jangan tahu nk condemn sahaja..bersyukurlah dengan apa yg ada.. kesimpulannya, dari bantuan kerajaan sahaja, kalau nak wat majlis kawen da bley cut cost dari segi hantaran.. tahun 2013 jom kawen ramai-ramai..haha.. :P





p/s: entry kawen da jadinye ye..hewhewhew

Thursday, September 6, 2012

New Life Begin :)

Hi & Assalamualaikum...



Eh..lamanya x update belog..baru sedar..haha..cepat betul masa berlalu..


sorry kawan2.. nak update gambar raya pon x sempat kan?heee.. 



recent activities:



1. baru sahaja pulang dari Perak.. wedding big bro Halim + Kak Nana.. really had fun & awesome time..jalan-jalan tgk Ipoh.. sempat ke Kellie's Castle...heeee... yg plg best meeting the old friends..especially BFF.. gosipping & talking about the current and future life.. planning masing2...then i just realized that..heyyy.. we've grown up..hahaha.. what will happened in the next 3 years? i wonder.. ;) nway, jom layan few pics yg describe the moment i had..





with awesome BFF.. :D





Apabila kami menggediks..hahaha... :P






old friends.. 
dj..hani..atiq..wan..aiman..zati.. :)





after akad nikah ceremony.. :)






reception at kak nana's house.. pinky..heee..






the girls with the bride & groom.. ;-)






Bio girls.. batch 2007-2010.. :)





love this.. :)




p/s: banyak lagi pictures tapi dlm kamera kawan2..waiting for cik Faz & Encik Aiman upload pictures kat FB..wuhuuuuuu..





2. baru sahaja selesai mendaftar sebagai student balik...yeahhhh..officially a student now selepas burn RM2100 kelmarin..haha...the details are as follows:



NAME: NURUL HANIRA BINTI MAT LAZIM

MATRIC NO: GS34228 (my master matric no. is GS27968..that was nearly 2 years ago..haha..tp no.master tu cantek.. )

IC: 89112811........(rahsia)

PROGRAMME: DOCTOR OF PHILOSOPHY

FIELD OF STUDY: AGRICULTURAL WASTE ENGINEERING

FACULTY: FACULTY OF ENGINEERING UPM

ADVISOR: DR HASFALINA BINTI CHE MAN





Card matric bley pick up kat GSO within 2 weeks.. so this 2 weeks akan jd pelarian sementara..heee.. welcome to the 'Permanent Head Damage' Life...for your info, i decided to further study instead of working not because to show off to people.. to be proud of who i am.. but i'm doing this because i'm chasing after my dreams..which is wanna have PhD before i reached 27 years old..& i want to fulfill my parent's dream.. even i can't be a medical doctor, i still can be a Dr.. i don't care what others will think about me.. how they underestimate me.. i don't bother at all.. i am a hardworking and ambitious person who are willing to do anything to get what i want in this life.. i'm willing to sacrifice everything in order to make sure i achieved my dream.. that's me.. sincerely,i don't know what will happen after this, but i'm going to go through it & enjoy each moment being a PhD student..i hope i'll had the courage, patience, & everything so that i can faced every single circumstances & obstacles in the future.. maybe this is the last time being a student in my life.. maximum 3 years of study..my target 2 & 1/2 years...if i can finished within 2 years, it's the biggest accomplishment in my life.. Nway, do pray for me ya people.. love u.. :)




menanti 10/9/2012 dengan penuh debar.. :)

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