( #dilemma #terhad #budjet #peluang #kewangan)


Papan Notis Tender Pembangunan 


Kawasan Sekitar

TERES SETINGKAT

TERES 2 TINGKAT


SP 2
SP1

SP1




Assalammualaikum dan Salam Sejahtera,






Alhamdullilah.....bonus TH kali ini boleh tahan la, beza dgn ASB hanya dalam 0.25%  sahaja.Kira berbaloi la jugak daripada tak dak langsung. Akan tetapi...tapi tu means ada maksudnya actually.

Haa...disini lah ada perkiraan tersendiri yang ditetapkan TH. Berikut disertakan sekali bagi pemahaman semua.Baru taw actually, rugi pulak rasanya....jumlah simpanan saya di Bank Islam actually sama dengan simpanan di TH, kalau la saya masukkan jumlah tu ke dalam TH..lagi untung rasanya. Nevermind...mungkin bukan rezeki lagi.Sabar..kena atuq siap2 tahun nihh berapa hendak letak dan berapa perlu guna untuk cash semasa.

Orait...seperti dinyatakan, berikut adalah contoh pengiraan tersebut:




A little bit explaination for those yang kurang faham, disini adalah formula yang digunapakai..cumanya hanya menggunakan kadar bonus tahun 2013.

Bonus Tahunan dan Haji adalah dua maksud berbeza;

yaitu  Bonus Tahunan (Kalau ikut contoh diatas) = 6.0 %
          Bonus Haji (Kalau ikut contoh diatas) = 2.0 %


Dua- dua ni ada syarat berbeza sikit, kita amik paham kata org utaqa..lagu nie cita dia

 Jumlah Bonus Tahunan RM (Kalau ikut contoh diatas) =  adalah daripada jumlah minima bulanan                                                                                                   (Jan- Dis )/12 * 6.0%
Jumlah Bonus Haji RM (Kalau ikut contoh diatas) = Jumlah simpan maw ada paling koman                                                                                              RM9980, darab truih sekali harung dengan 
                                                                             2.0% (RM9980 * 2.0%)


Insha Allah...tahun nie kena btoi-btoi atuq bagi lek lok.


Assalammualaikum dan Salam Sejahtera,

Bismilahhirahmanirahim


Salam jumaat penuh barokah,









Hari nie nak hadam satu fakta yang dapat daripada pihak PNB sendiri, bab penggiraan ASB dividen dan  bonus.

Untuk tujuan rujukan saya akan pamerkan dua method yang berasingan:


1. Dividen ASB



2. Bonus ASB


So secara simplenya, that it's the method penggiraan tersebut, sebagai maklumat tambahan BMB to stand for Baki Minimum Bulanan...maksud dia...(org utaqa kata). Confirm semua boleh paham aihh.


So yang maklumat ini sebenarnya dapat daripada rujukan blog pakdi.net, jadi sekadar berkongsi maklumat sahaja dan selagi mana kaedah penggiraan ini masih digunapakai oleh PNB so still valid lah. EXCEPT nya ada perubahan semasa...so paham2 saja lah norh.


TRICK PERTAMA

RF = Guna 15K untuk cover  1 Tahun  loan ASB 200K

LOAN ASB AMOUNT LOAN PAYMENT/MONTH MONTH LOAN PAYMENT ANNUM ASB PERIOD ASB PRINSIPAL AMOUNT ASB DIVIDEN % ASB DIVIDEN ANNUM
200000 1164 12 13968(RF) 1 200000 7.00% 14000
  2 200000 7.00% 14000
  3 200000 7.00% 14000
  4 200000 7.00% 14000
  5 200000 7.00% 14000
  70000
   
   
   
AFTER 5 YEARS LAST DIVIDEN
  LAST DIVIDEND 14000
  SURRENDER VALUE IF DIVIDEND 8% 23000
  10000
  47000
  Baki Personal Loan(15000) 9000
  38000
             
Hanya perlu bayar = 175 * 60 Months = RM 10 500 dan dapat semula dalam anggaran RM38000 selepas 5 tahun.Dua-dua loan pun settle(Islamic loan).


p/s: Tertakluk kepada syarat-syarat sedia ada









130160

Assalammualaikum dan Salam Sejahtera,


Hari nie hari minggu for me..better do something than nothing.Orait first of all i think nak share pasal the way kita boleh menjimatkan masa dan memudahkan survey berkaitan broadband.


Google punya google..besa la Uncle google nie knowledge dia bnyak sikit. Baik pun ada..had yang x baik pun lagi la bnyak.Better pandai pandai la pilih yer...bak kata org kampung pandai pandai lah nak hidup.Berapa banyak pandai dah aku ulang...hahaha, xpa baek simpan saja yang x pandai tu di hujung dunia..ce wah.

So...inilah dia namanya compareHero.my, ala-ala hero untuk kita la pengguna-pengguna di malaysia.






Untuk tujuan rujukan boleh la layari laman web berikut www.comparehero.my







Whether you are a novice, experienced or competitive runner, there is one item that can make the difference between having a great run or a lousy one: your shoes. Today, the choices when walking into a specialty running shop can be overwhelming--the number of brands, styles and types of shoes on the market can leave even the most educated consumer flustered and confused. Adding to the confusion for many runners is whether or not trail shoes are needed while running.

Considerations

Both types of shoes, whether you choose a road or tail shoe, offer benefits to the runner. Shoes are designed with two purposes in mind. First, to protect the feet and body from injury that can result from the repeated impact of striking the ground. Second, to maximize forward speed by by gripping the road or trail surface to provide traction, aiding forward momentum. Additionally, shoes are manufactured to compensate for conditions such as overpronation or supination through motion-control or stability-based shoes. For nearly any condition, shoe manufacturers produce a shoe to correct these bio-mechanical "failings." Whether you are completing a 5K race or a trail run, the manufacturer's and user's goals are the same: to give runners an edge toward achieving their personal-best times.

Benefits

The main difference between the two types of shoes lies in the types of materials used in their manufacture. Road shoes are generally made from lighter-weight materials and have thinner treads Trail shoes are heavier, with a thicker sole that can help maintain the integrity of the shoe, even in the toughest of conditions. Most runners run on pavement, smooth surfaces and groomed trails. Under these types of conditions, road shoes are sufficient to meet the needs of most of these runners.

Features

For the small percentage of runners who run on off-road trails, or a mix of road and trail, a trail shoe may be appropriate. The first thing to consider when you are about to purchase a pair of trail runners is the type of terrain you will be running on. Are you going to run on bridle paths/horse trails, bike paths, recreational trails, fire roads or hiking trails? Are these trails hilly, rocky or have streams traversing various points? Will they require that you clear large objects like fallen trees? Many trail runners recommend running on trails in shoes.

Considerations

When you have identified the type of surface you expect most of your running will take place on, you can begin considering the types of features you will need from your shoes. Most trail shoes feature added cushioning and support, which provides protection to the joints and support to the ankles, especially on uneven surfaces. The soles vary from model to model. Compared to a typical road shoe, the trail shoe has a thicker and nubbier sole. The added density provides more stability on rugged and uneven terrain. The nubbier or more "aggressive" the shoe, the more grip and traction the shoe provides.

Selection

If you typically run on rocky or extremely hilly, mountainous, or root-covered trails, some trail shoes provide additional protection for your toes and the soles of your feet with bumpers and reinforced soles to reduce the bruising that can occur on these surfaces. Another thing to consider when looking for a trail shoe is the type of protection that the shoe can offer from trail debris entering the shoe. The final choice is whether or not to purchase shoes that feature Gore-Tex surfaces to protect the foot against moisture. Remember: If the material does not let the water in, it also does not let it out, which can get uncomfortable in cold conditions.

Conclusion

There are many choices and considerations to make when deciding whether or not a road or trail shoe is beneficial to you and your bio-mechanics and running style. What matters most when deciding on a shoe is that the shoe fits your foot and that you don't try to make your foot fit the shoe. Blisters, black toenails or pain all result in an uncomfortable run and even injury. If you find that trail shoes with their increased shock absorption and stability are the right shoe for you, no matter the terrain you are running on, then that is the appropriate shoe for you. The same applies for road shoes. Finding a shoe that fits will ensure years of healthy, happy running.

credits: www.livestrong.com

Executive B

Executive B is a comprehensive B complex formula with added Vitamin C and minerals, all of which are needed for good health. Executive B helps minimize the damaging effects of continuous stress. It is especially helpful for those who are highly stressed, whether at work or at school, or in situations where dietary intake of nutrients is inadequate.

Vitamin C

Like Vitamin B, Vitamin C is a stress vitamin and is used up rapidly when the body is under stress. It is added to this formula to replace stress-related loss of Vitamin C and to slow down the depletion of Vitamin B during stressful periods. Vitamin C also helps to keep capillary blood vessels toned, which in turn improve circulation so that nutrients in the blood can reach the brain and nerve cells and restore depleted energy.

Zinc

Zinc is added to this formula to help fight stress, fatigue and mental dullness. Zinc also supports the immune system.
Another important function of zinc is to help in the absorption of B vitamins. It assists many of the enzymes involved in the digestion of food and assimilation of nutrients, thus conserving B complex vitamins which may be used for that purpose.

Benefits

In-depth Inadequacies

It is believed that many people who live in industrialized societies lack one or more B vitamins. Meeting the demands of a busy and stressful lifestyle, consuming an excess of refined and processed foods and taking too much alcohol can all lead to a depleted store of these nutrients.

Various Functions

The B complex vitamins are an essential part of the diet as they assist in the conversion of food to energy within the body. They also maintain the health of the nerves, skin, eyes, hair and liver, as well as encourage good muscle tone of the gastrointestinal tract.
The B vitamins also help with mental awareness, alertness and brain stamina.

The Body Defenders

The functions of the individual B vitamins are related to one other; therefore, they should all be taken together. A deficiency of one can cause a shortage of others, which leads to a break in the link of a complex chain.
Individually, the B vitamins battle to maintain good health, but when combined into a complex, they create a complete army of defenders. Patients tested for frequent bacterial and viral infections show deficiencies in one or more of the B vitamins.

Indications

Energy production, anti-stress, mental alertness and brain stamina.