Remember my friend Lili who got engaged in March 2010?
She is now the wife of Syah.. their wedding was held on 24/07/2010 in Kepong. I was appointed as her bridesmaid as well the so-called wedding planner.. kononnyer la..
my work all in my other blog, Laces & Ribbons..
http://lacesnribbon.blogspot.com/2010/07/hantaran-perkahwinan-syah-lili.html
Saturday, July 24, 2010
Thursday, June 17, 2010
How to calculate your investment's future amount at the maturity date.
Simpanan kita pada hari ini adalah nilai pokok, jika disimpan bawah bantal korang jer.. jumlah tu akn mnyusut dari segi kuasa beli pada 20 tahun akan datang walaupun korang x usik langsung duit tu. ini adalah kerana faktor inflasi, dimana nilai RM1 pd ari ni yg susut nilai nyer sebanyak 1-10% setiap tahun.. so kira la sndiri kalau nk simpan selama 20 tahun.
Tapi hal yg sebaliknyer berlaku jika duit korang tu disimpan dalam bank, ASB, unit trust dan sebagainyer. ini adalah kerana institusi kewangan tersebut akn menggunakan duit korang utk pelaburan dan seterusnyer memberi sebahagian/sedikit keuntungan daripada pelaburan mereka kepada korang sebab korang dah memberi dorang keuntungan dengan cara meminjamkan duit simpanan korang utk dijadikan modal pelaburan dorang. Sebenarnyer, sebagai penyimpan, korang adalah creditor kepada bank dan mereka adalah debtor korang.. Kadar keuntungan yg diperolehi bergantung la kepada amount yg telah ditetapkan oleh bank2 tersebut.. selalunyer turun naik kadar keuntungan atau peratus interest simpanan adalah berkadar songsang dengan kadar BLR (basic lending rate) yg ditetapkan oleh Bank Negara Malaysia, kadar BLR yg terkini as at May 2010 adalah 6.05% (abis ler.. monthly installment for my apartment loan makin tinggi la jwpnyer skrg ni). Contoh, klu BLR naik, interest simpanan akan trun & vice versa.
Kadar keuntungan bagi simpanan pula adalah berbeza mengikut institusi kewangan dan jenis simpanan tersebut sendiri. Jika saving account biasa, kadar interest adalah sangat rendah tetapi selamat, manakala simpanan dlm bentuk unit trusts pula adalah lebih berisiko tinggi tetapi berpotensi utk memberi pulangan yg lebih tinggi kepada pelabur berbanding simpanan dlm saving account biasa ataupun simpanan dalm KWSP. Bagi pelaburan ASB pula, ianya selamat namun faktor pulangan tidak begitu tetap, bergantung kepada kadar yang ditetapkan oleh pihak yg berkenaan setiap tahun. However, so far kadar yg diberi adalah masih lebih tinggi berbanding dgn kadar keuntungan yg dlm acc KWSP dan jugak SSPN (saya jugak ade account SSPN, pada tahu 2009, kadar keuntungan simpanan SSPN adalah sebanyak 2.5% sahaja, sila rujuk http://www.ptptn.gov.my/c/portal/layout?p_l_id=PUB.1.141)
ok, berbalik pada nilai pokok tadi, jika ade nilai pokok, tentulah ade nilai matang atau future value.. iaitu nilai simpanan korang pada masa kematangan pelaburan korang. dlm erti kata yg mudah, nilai simpanan korang pd masa akn dtg + nilai keuntungan yg korang dapat. jika korang membuat simpanan/pelaburan secara bulanan, suku tahunan, half-yearly or tahunan, ianya adalah satu annuity. Annuity biasa ialah bgi simpanan yg dibayar pd setiap hujung period yg ditetapkan, manakala Annuity Due pula ialah bagi simpanan/pelaburan yg memerlukn korang membuat bayaran pada awal bulan.
So, skrg saya bgi contoh utk dapatkn jumlah matang or future value bagi simpanan bulanan setiap ujung bulan.. contohnyer simpan ke ASB. Simpanan bulanan sebanyak RM100.00 selama 20 tahun, dengan kadar keuntungan sebanyak 7% per annum (ASB 2009 adalah 7.3%).
Ini adalah formula utk dapatkan nilai matang bagi future value of an ordinary annuity;
FVoa = PMT [((1 + i)n - 1) / i]
FVoa= Future value of annuity
PMT = Payment per period
i = Interest per period (% annual rate / 12 payments per year) eg: 0.06 /12 = 0.005
n = Total number of payment period
Example:
PMT RM100.00
i: 7% annual rate/12 payment per year : 0.005833333
n: Every months for 20 years: 12x 20 = 240
Fvoa = 100 x [(((1 + 0.005833333)^240) – 1) ÷ 0.005833333]
Fvoa = 52,092.67
(Note: ^240 bermaksud kuasa 240)
So, bagi simpanan sebyk RM100 monthly selama 20 tahun dgn kadar keuntungan 7% setahun, korang akan dapat sebanyak RM52, 092.67 selepas 20 tahun nanti.
Tapi hal yg sebaliknyer berlaku jika duit korang tu disimpan dalam bank, ASB, unit trust dan sebagainyer. ini adalah kerana institusi kewangan tersebut akn menggunakan duit korang utk pelaburan dan seterusnyer memberi sebahagian/sedikit keuntungan daripada pelaburan mereka kepada korang sebab korang dah memberi dorang keuntungan dengan cara meminjamkan duit simpanan korang utk dijadikan modal pelaburan dorang. Sebenarnyer, sebagai penyimpan, korang adalah creditor kepada bank dan mereka adalah debtor korang.. Kadar keuntungan yg diperolehi bergantung la kepada amount yg telah ditetapkan oleh bank2 tersebut.. selalunyer turun naik kadar keuntungan atau peratus interest simpanan adalah berkadar songsang dengan kadar BLR (basic lending rate) yg ditetapkan oleh Bank Negara Malaysia, kadar BLR yg terkini as at May 2010 adalah 6.05% (abis ler.. monthly installment for my apartment loan makin tinggi la jwpnyer skrg ni). Contoh, klu BLR naik, interest simpanan akan trun & vice versa.
Kadar keuntungan bagi simpanan pula adalah berbeza mengikut institusi kewangan dan jenis simpanan tersebut sendiri. Jika saving account biasa, kadar interest adalah sangat rendah tetapi selamat, manakala simpanan dlm bentuk unit trusts pula adalah lebih berisiko tinggi tetapi berpotensi utk memberi pulangan yg lebih tinggi kepada pelabur berbanding simpanan dlm saving account biasa ataupun simpanan dalm KWSP. Bagi pelaburan ASB pula, ianya selamat namun faktor pulangan tidak begitu tetap, bergantung kepada kadar yang ditetapkan oleh pihak yg berkenaan setiap tahun. However, so far kadar yg diberi adalah masih lebih tinggi berbanding dgn kadar keuntungan yg dlm acc KWSP dan jugak SSPN (saya jugak ade account SSPN, pada tahu 2009, kadar keuntungan simpanan SSPN adalah sebanyak 2.5% sahaja, sila rujuk http://www.ptptn.gov.my/c/portal/layout?p_l_id=PUB.1.141)
ok, berbalik pada nilai pokok tadi, jika ade nilai pokok, tentulah ade nilai matang atau future value.. iaitu nilai simpanan korang pada masa kematangan pelaburan korang. dlm erti kata yg mudah, nilai simpanan korang pd masa akn dtg + nilai keuntungan yg korang dapat. jika korang membuat simpanan/pelaburan secara bulanan, suku tahunan, half-yearly or tahunan, ianya adalah satu annuity. Annuity biasa ialah bgi simpanan yg dibayar pd setiap hujung period yg ditetapkan, manakala Annuity Due pula ialah bagi simpanan/pelaburan yg memerlukn korang membuat bayaran pada awal bulan.
So, skrg saya bgi contoh utk dapatkn jumlah matang or future value bagi simpanan bulanan setiap ujung bulan.. contohnyer simpan ke ASB. Simpanan bulanan sebanyak RM100.00 selama 20 tahun, dengan kadar keuntungan sebanyak 7% per annum (ASB 2009 adalah 7.3%).
Ini adalah formula utk dapatkan nilai matang bagi future value of an ordinary annuity;
FVoa = PMT [((1 + i)n - 1) / i]
FVoa= Future value of annuity
PMT = Payment per period
i = Interest per period (% annual rate / 12 payments per year) eg: 0.06 /12 = 0.005
n = Total number of payment period
Example:
PMT RM100.00
i: 7% annual rate/12 payment per year : 0.005833333
n: Every months for 20 years: 12x 20 = 240
Fvoa = 100 x [(((1 + 0.005833333)^240) – 1) ÷ 0.005833333]
Fvoa = 52,092.67
(Note: ^240 bermaksud kuasa 240)
So, bagi simpanan sebyk RM100 monthly selama 20 tahun dgn kadar keuntungan 7% setahun, korang akan dapat sebanyak RM52, 092.67 selepas 20 tahun nanti.
Sunday, May 23, 2010
The New Adventure of Cupcakes with snowy icing frosting
I always want to try making cupcakes with colorful topping.. but I never got a chance to attend any classes. Few weeks ago I bought an icing presser.. but I never used it.
So today, 23/05/10.. I decided to try..
As a 1st timer, I tried using the simplest method of making the topping.. I used the basic royal icing recipe. This topping will hardened when exposed to air, n does not have the buttery taste. So this recipe suits those who dislike the taste of milk or butter.
This recipe also a hit with children.. so if you plan a birthday party for kids maybe you can use this recipe..
Simple royal icing.. (got it from the net)
175 gm of icing sugar
1 egg white
1/2 tablespoon of lemon juice
whisk egg white and add icing sugar. beat again until fluffy. add in the lemon juice to neutralise the eggy taste. beat gain and can add some food colouring.. jgn la plak ltak water colour yer kawan2.. ader plak yg masuk wad nanti..
then apply the topping to your cuppies..
I've to practice more.. the topping still comot.. hehe..
Thursday, May 6, 2010
LACES & RIBBONS ~ Gifts & Hantaran Ideas
Announcing my latest blog.. LACES & RIBBONS ~ Gifts & Hantaran Ideas
The service provided is preparing gubahan hantaran, bakul, kotak & tapak hantaran for weddings. We also offer homemade chocolates for presents and wedding door gifts.
Feels free to check out http://lacesnribbon.blogspot.com/
The service provided is preparing gubahan hantaran, bakul, kotak & tapak hantaran for weddings. We also offer homemade chocolates for presents and wedding door gifts.
Feels free to check out http://lacesnribbon.blogspot.com/
Saturday, May 1, 2010
Happy 1st Anniversary to Us! ~ Dinner at Mandi-Mandi Tamarind Springs
It still seems like yesterday, I still remember everything clearly. We were legally married after 2 times of lafaz akad nikah. I still remember, how wonderful the day was....
And today, 2nd May 2010.. we are celebrating our very 1st wedding anniversary.
Last night, 1st May 2010.. he took me to a very posh restaurant, Mandi-Mandi, Tamarind Springs in Ampang. I was really swayed by his effort to impress me & to make me happy. I once mentioned to him that I wished to have a very romantic candlelight dinner on our annivesary nite, but I didn't really hope so much for it to happen though. However he had made my dream comes true, eventhough I know, this dinner will cause a huge dent to his pocket. We are not the kind of people who will spend lavishly on things that we think are not important. We both have our own financial commitments to meet every month, yet he's still willing to spend for our night.. that's so romantic!
We left home at 7.00pm as the reservation was made for 8.30 dinner. We were not really sure on how to get there, but we had a slight idea about it's location. We reached there at 8.00 pm. Well, I could not help but to agree that it is a very romantic place.. the moment we walked through the front gate we felt as if we've stepped into a totally different world.. a world of serenity & romance.
We walked down the walkway towards the restaurant. At the left & right handside of the walkway were all plants, created a unique atmosphere.
The hut was facing the pool & beside us was the nature.
And today, 2nd May 2010.. we are celebrating our very 1st wedding anniversary.
Last night, 1st May 2010.. he took me to a very posh restaurant, Mandi-Mandi, Tamarind Springs in Ampang. I was really swayed by his effort to impress me & to make me happy. I once mentioned to him that I wished to have a very romantic candlelight dinner on our annivesary nite, but I didn't really hope so much for it to happen though. However he had made my dream comes true, eventhough I know, this dinner will cause a huge dent to his pocket. We are not the kind of people who will spend lavishly on things that we think are not important. We both have our own financial commitments to meet every month, yet he's still willing to spend for our night.. that's so romantic!
We left home at 7.00pm as the reservation was made for 8.30 dinner. We were not really sure on how to get there, but we had a slight idea about it's location. We reached there at 8.00 pm. Well, I could not help but to agree that it is a very romantic place.. the moment we walked through the front gate we felt as if we've stepped into a totally different world.. a world of serenity & romance.
The Restaurant
The walkway
We then took a stair to Mandi-Mandi, a Malay-Thai restaurant.
We were then taken to the pool area where we were given a small hut for our dinner. It was really beyond my expectation, as earlier on I thought we will be a given a usual dining table under a cocomo hut. Apparently the hut was cushioned & equipped with large pillow for comfort.
Then it was time to order the food. The menu was kinda like screaming, 'Expensive!". But anyway, we love the place & we were waiting for it for months.
I ordered Cranberry juice & Hafiz, Apple juice for our drinks. We also asked for a sparking water for additional drinks.
We had Spicy Papaya Salad for our starter.. not so spicy for me anyway, but nice & crunchy.
Next, we ordered the Red Tom Yam Mixed Seafood for our soup. This tom yam was a bit different from the normal tom yam as it was added with some coconut milk & the taste was less tangy then our normal tom yam from the local tom yam shop.
For the main course, we ordered Pandan Chicken & Grilled Squid.
Vege dish, Sauteed Kailan with Garlic & Salted fish.. my fav!
Hafiz was indulging himself..
Personally, the food was nice.. but too expensive. The dinner costs us a total of RM218.00, which we can get triple of what we had here at other places. So, my conclusion, if you were planning for just a dinner, you might as well go to a cheaper place. But if you wanted a wonderful & meaningful dinner, this is the place!
We had bought a cake for the dinner.. a small, cute one. I bought it from Kedai Kek Hidayah near our place (yeah, the same bakery where I bought my 3-tier wedding cake last year). The bakery owner already knew us since we were a regular there. She even wished us happy anniversay..
No annivesary dinner is complete without the anniversary gifts.. we had done our best to find something for each other. It was not an easy task though, as we had to find an alone time to buy the present without the other half.
I bought him a full leather Pierre Cardin wallet, but didn't buy the wrapping paper. So I have to work some magic to make it look presentable.. xkan la nk bgi dlm plastik bag jer. So, I wrapped it with 1 organza piece and put a ribbon on top of it.. hehe.. all from my 'work box for hantarans'.
This is Hafiz's gift to me, a white gold ring that I've been longing for all these while. I showed this ring to him when we were in Carrefour the other day, so, I know he bought it from Lazo Diamond.. hehe..
We are so in love with each other!
The night was a very special for us. It symbolise our triumph to overcome all the obstacles we had faced in our 1st year of marriage. We pray that this union will lasts till the very end of time.. Happy 1st wedding anniversary to us!
Saturday, April 24, 2010
Straight? Curly? or Au Naturel??
I have bad hair day almost every day!
My original hair, was extremely messy, super fine frizzy hair. I always envy any girl who is blessed with the smoth silky straight hair.
My longing for straight tresses started when I was still in school, years before some idiots started the idea that to be cool & beautiful, one has to have the silky straight hair. If you don't have straight hair, you are definitely a loser! (This was according to the tv commercial ok, not me..)
I remember this 1 tv commercial, a girl went for an interview, but her hair was so out of place and messy. Then she put on this miracle hair lotion and tadaaaaaa.. she got the job! Huh... what a shallow advertisement!
So I guess, moving forward, we should encourage our sisters, daughters n girl friends to wear their hair straight so that they can easily nail a job.. don't bother to study or get any good grades.. it won't help if one does not have silky straight hair yg 'guna jari pon boleh'.... hehehe...
Anyway, like it or not.. I was also as shallow as the advertisment was.. I would rebond my hair once in every 3,4 months, just to ensure that I look ok. I hate to admit this.. but I guess I was also fooled by the tv commercials.. sob.. sob..
Subscribe to:
Posts (Atom)
