Gen 4

http://assembeli-geng-gen4.blogspot.com/

If you're up to a nostalgic teenage years, assorted life experience, sarcasm  ideas & feminism entry, look no further!
Just pay a visit to this blog, & you'll be hooked!

Btw, I'm 1 of the writers in that blog..

Home Make Over

We moved into this 3 bedroom apartment in June 2009, 1 month after we got married. The apartment is not so spacious but it’s still ok for us as we don’t really need big space at the moment. We didn’t have enough time, that’s why we did not paint the apartment. We thought, ok.. we’re not gonna stay here forever & plus it’s not even ours.

Then we realised, if we’re going to stay here for few years before we get our own place or move to another place, we should at least make it more comfortable for us to live in. To make a huge makeover is definitely a no-no, so we guessed the next best thing to do was to repaint the place to give it a new look that suits our taste & style. So, we started our work...

We browsed few websites & blogs, just to get some ideas. We also checked out some paint catalogs before we decided to choose Lavender Grey & Grey Dew from Nippon Matex Gold.

This was the original looks;

We started the painting work on Friday night, 30th July 2010 and finished everything on late Sunday night...

When we've done with the painting, it was time for some serious decoration!

We used wall stickers in living room & our bedroom.. well.. it's the latest trend now. We also framed some cheap wall stickers & hang them.. the cheap & chic wall arts...

Cheap sticker from a DIY shop.. RM2.50 each..

The frame is from Hinode, Rm5.00 each..

Here are the results;

Here we used a wall sticker that we ordered from http://irkoreadeco.com/

This wall sticker also from http://irkoreadeco.com/

We are so happy with our home's new look... we're ready for hari Raya now!

Resepi Tradisi org Lipis

I love to eat masakan kampung!
Well, as someone who used to stay in kampung with her grandmother, haruslah biasa & menggemari masakan kampung. Among my favs are Sambal ikan bilis belimbing rebus & Gulai Tempoyak Sulur Keladi.
The former is not so difficult to make as the basic ingredients are ikan bilis & cili padi.. however, the later is another story.. the sulur keladi is so hard to find nowdays.. kalau cari kt pasar malam, the most u can find is batang keladi! tp, boleh la kan.. dari xder keladi langsung...

So, here I wanna share the recipe.. if u want it to be more spicy.. just add extra cili padi for the extra umphhh..

Sambal Ikan Bilis Belimbing Rebus


Bahan-bahan
10 biji cili padi
1 piring kecil ikan bilis
5 biji belimbing buluh yang direbus dan dituskan
3 ulas bawang merah sedikit minyak masak sedikit garam & gula

Cara-cara
1. Kisar bawang, cili & belimbing hingga hancur
2. Masukkan ikan bilis & kisar lagi separuh hancur
3. Panaskan minyak & tumis bahan blender td....
4. Masukkan garam & gula sesedap rasa
5. Tumis sehingga garing. (kalau nk simpan lama, tumis sehingga hampir kering)

My Latest Art - Laces & Ribbons

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

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.

PHOTOGRAPHER & PHOTOGRAPHY: Hafiz & Yana

PHOTOGRAPHER & PHOTOGRAPHY: Hafiz & Yana

This is the link of our wedding 2nd photographer..

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..