Decided

Finally decided...

Good Bye NZ...maybe we'll meet next next next year...

Hello berihitampenyuluh...

p/s : still tak pandai guna smart phone nieh...

ajie
7:47 a.m
27 December 2010
Putrajaya

Family Album

We didn't managed to take a family picture during hari raya...

Its all becoz the lack of family members...but we managed to re-group as one big happy family during my big bro's second child ceremony...but my second sis still couldn't make it...we all understand why...there are 8 of us...4 boys and 4 girls...with 8 different personality traits...but despite that...we are still family...and when we get together under one roof...it can spell only one thing...GREAT TIME!!!

One big happy family...

(L) Sis In Law - Second Big Bro - Fifth Sis - Oldest Sis - Youngest Sis - Me - Sixth Bro - Seventh Bro

(L) Dad holding baby adam and Mom holding Aishah

Happy Family Picture...

Pulling my sis's hair watched by my seventh bro...

Posers under the sun...

The family's youngest members...

Pak Teh si engineer gumuks dengan Pak Ngah pegawai gomen yang senantiasa adorable bersama Aishah...

ajie

9:02 p.m

24 December 2010

Putrajaya

Bila Plak Kad Dikau?

Pertanyaan biasa ketika aku menghadiri sebarang upacara perkahwinan...

Disember tetiap tahun mesti berduyun duyun ler kad kawin mai...tu tak campur lagi dengan FB invites lagi...total 27 semuanya...

Daripada 27 majlis...

1 aku kena jadi salah seorang daripada 18 pengiring pengantin...

2 lagi aku kena jadi pengapit pengantin...

Asik jadi wedding crashers ajer aku nieh...biler ler plak time aku nak biar orang lain crash aku punya wedding...

Hanya Allah yang tahu...tapi aku harap jangan le lelama sangat...takmo ler aku jadi bujang terlajak...

Tetiba lagu 'Cari Jodoh' by Wali Band terngiang ngiang kat telinga...dengggg...

ajie

8:47 p.m

23 December 2010

Putrajaya

Goodbye Plastics

Finally...after more than 4 years...

I finally cancelled both my H*SBC credit cards...visa and mastercard (the mastercard was given without me asking for it)...the process was simple actually...went to the bank...take the number...then meet the customer service representative...NOT...

Yeah...the process was simple...but the execution was a bit lengthy...i went to the bank...met the cust service rep...then told her i want to cancel both credit cards...then she went over my latest statement...there's some outstanding balance...okay...i just need to clear it up...but...it was not that easy...as my current statement is not yet to the cut-off date...so i can't cancel the card just yet...but we filled in the form...the billing add was stated at my aunt's in gombak...usually i will just paid the card without taking a look at the full statement...just log in the personal banking online...

There was two items in my credit statements that was being paid by me...one thing about this particular bank was that the sales person were always calling up for promos and what not...so maybe it was my mistake or miscomprehension about the items they were promoting over the phone...and i end up paying for two things...the credit guardian plus...and also this takaful amanah whatever...both of payments can easily paid for my meals for the whole week...and i got no benefit whatsoever out of it...and i had been paying it for over three years (since i joined the govt...i had been using the credit card since i was in the private sector)...

Back then when i was working in the private sector...i paid my credit card bills without fail...and without any outstanding balance whatsoever...but since i joined the govt sector...there's always an oustanding balance...it was kinda tough at first to really adjust the financial implication of switching from higher income to slightly lower ones...i really respect those who can make the transition smoothly (it took me about a year to get used to it)...then i just found out how exactly the finance charges was calculated...it was not as easy as i thought it was...when i heard the way the cust rep explaining it to me...it was denggg complicated...the outstanding balance carried forward on top of the current charges on top of the previous balance and finance charges of the former month...denggg...actually the finance charges was calculated on daily basis based on the oustanding balance after the payment which included the finance charges for the that particular month...thats why the financial charges still exists eventhough you paid full sum without any outstanding balance...as it was charged on the outstanding balanced carried forward from the former month...arghhh...

So end up...i physically destroyed the card...cut it into two pieces...but technically its still yet to be settled...now i have to wait for the finance charges for the current month and also on top of that the takaful whatever along with the credit guardian plus (which was supposed to be charged in month end but i have to pay it anyway for the month of Dec eventhough i cancelled my card and paid the oustanding balance) to finally get it out of my system...denggg...that H*SBC credit card is simply a silent 'bleeder'...it will suck you dry...its all because all these 'extra protection plans' that goes along with it...not sure if they have it for another bank...but based on my experience with cimbeng...i don't have them calling me every week to update on promos and what not that i surely don't need...

Owh yeah...i forgot to mention...just three days ago a sales rep from the bank called me up about giving me loan for RM11k...no documentation needed...they can just debit it to any of my bank acc...and they will charge it monthly to the credit card...you know how much the interest? it was 11% (if i am not mistaken) over the course of 5 years...owh...how convenient...and on top of that...there will be all those monthly financial charges of 1.5% monthly on top of the 11% or was it 22%?...even my car loan was only 3.33% interest rate...OMG...my answer...

~sorry, i am working in the govt sector and it is stupid of me to take on your offer as i can take on loans easily at a BETTER rate than whats your 'bloodsucking financial institution' is offering if i want to...and i will appreciate it if you just blacklist my number from your phone book as i am going to cancel my card coz i am not satisfied with the service given~

That managed to caught her off guard as there was a complete silence for about 7 seconds...and then she sweetly said sorry to interrupt and thank you...

In the end i felt so good to get it over and done with...now i just maintain my cimbeng credit...as its easier for me to monitor my expenses and paid it online as soon as it was posted in my bills...credit cards is actually a good financial tool...but one must know how the exact calculations are made and the exact charges to really utilised it...otherwise...it will be a silent non-living bleeding creature that can leave you dry...and i will advise anyone who want to take on credit to really ask the rep who are promoting it about all the calculations...and make sure its islamic credit cards...owh yeah...affin's finance charges was only 9% per year...and that is half from any other conventional credit cards...not sure whether others too...

But whatever it is...life without plastic is a blessing...no more hidden debts...just simply cash...but i still maintain one plastic...just for controlled usage...hehehe...

ajie

12:59 a.m

22 December 2010

Putrajaya

Latest Addition

My big bro has been blessed with another child...

Adorable baby Adam with the forever adorable pak ngah...hahahaha...

This time its a baby boy affectionately named Muhammad Adam...i called him baby adam...its the second third generation in Abdul Wahab's clan...so far only my big bro and my second sis got married...my first sis? hurmmm...don't ask...me? hurmmm...just wait and see shall we...

But i am happy with having a nephew...so i have a pair now...a niece and a nephew...cool huh...

Hopefully i will have the chance to add the third generation in the family...insya allah...hehehe...its a long planning...but hey...the year is almost at the end and i almost didn't feel it going...that how time flies...incredibly fast without waiting...for the time being i am content with my travels...but then again...once i got married...there's a major re-structuring has to be done...and i am looking forward to it...

ajie

10:03 a.m

19 December 2010

Putrajaya

Deeper Conversation

Hurmmm...

Having deeper conversation with someone who can accept whatever we said without prejudice is a blessing...thank god i have someone that i can do that...

Deeper conversation...with...

ajie
6:12 p.m
16 December 2010
Putrajaya

Monthly Meet Up

Just got back from IOI Mall...

Had my monthly meet up with my really close friend during varsity years...Ms Zalina...or affectionately known as Zack...it has been some sort of routine for us to meet up in IOI Mall once a month (non specific date) just to update each other with our life...it was kinda cool and great to actually talk to someone that had known you for years about anything and everything...aside from my quarterly meet ups with Ady...

I don't know how we started to be close friends even back then during the varsity years...but one of the reason back then was because she was the sole and only person in the whole USM that i can actually speak to in English...its like some sort of training myself to speak in English...broken pon broken lah...at least boleh prektis english aku yang hampagas tu...still nowhere compared to Ms Hayati's level lah...that one i have to pull up white flag lah...

And i don't know...is it really a typical malay attitude that can't stands when they heard other people converse in language other than our mother tongue...i still remember back then we got all this sort of comments such as 'sejak bila malaysia ada salji' lah...'bontot hitam perasan mat saleh lah'...'tak patriotik lah'...'melayu perasan bagus lupa diri' lah...and a lot more...at first i just hold up my tongue from giving any comments regarding the matter...i mean like...hello...we were conversing with each other and you are not included in the conversation kot...so do spare the need to try to make us feel bad just because we speak in second language...i still remember that there was this one time that i think i had enough of the nonsense and i just simply with sweet innocent tone commented back...~minta maaf la sebab MUET kitorang band 6 and ko band 2 ajer~...which was enough to make this particular one girl shut her mouth up and reserved her comments for the rest of the varsity years...sentappp kot...hahaha...pueh ati aku...itu dia tak dengar aku prektis aku punya french dengan Ady and Francois (friend of Ady who happens to be French) lagi tu...but truth to be told...i speak horrible french...actually i can't speak french...both of them taught me phrase by phrase on simple conversation in French...but still...it sounds totally horrendous and ridiculous...sure i will make the french fainted for being able to slaughter their language...first class...i think only Francois can understand me...even Ady have an extreme difficulty of understanding my French...hahaha...

Anyway...nowadays we still very much converse in English...but as usual...being malay...its the mixed between each language...it felt good to meet up with Zack that i had known for more than 8 years (OMG that is a long time) and just chat over a drink and dinner...we can be utterly silly...Zack currently working as a quantity surveyor in one of the major construction company in KL...but despite how both of us has grown from our varsity years...there's still that essence of ourselves that really defined who we were before...that never changes...

p/s:my english is still pretty much broken...amponnnn...

ajie

1:56 a.m

15 December 2010

Putrajaya

Undecided

Hesitating...undecided...

Still can't come up with a decision for Blackberry or New Zealand...but already en route of buying flight tickets to Prague...hurmmm...

My mind is such a mess...

ajie
6:39 p.m
14 December 2010
Putrajaya

Blackberry Or New Zealand

Why can't i just have both???

It's becoz i can only afford either one...if i took blackberry...then i have to hold my plan to go to New Zealand...if i go along with my plan to go to New Zealand...i can say bye bye bye to blackberry...and some of my friends were wondering...how come using blackberry can be equivalent to the amount spent to travel to New Zealand...

Aha...that's where most people have miscalculate the financial implication...taking on blackberry doesn't only means paying for the phone itself...its also paying for the service as well...lets calculate shall we...

The price for the phone (Blackberry Torch) = RM1,588

The monthly commitment (Celcom Exec 50 + Blackberry Pro) = RM148x12months = RM1,776

Grand Total per annum = RM3,364 ~ RM2,614 (after deducting my monthly prepaid reloads)

source from Celcom website...

To be fair...i am currently using prepaid...and i reload RM60 every month...so the grand total deducted by RM720 (RM60x12) is RM2,614...that is an additional payment i have to fork out for next year if i take on Blackberry...

How does this equal to the planned NZ trip...

The return flight ticket via air*asia inclusive tax = RM700 (during promo period it can go as low as RM391 but to be fair i doubled the fare price)...

Accomodations for 5 nites = RM500 (budget lodging can go as low as RM70 per nite)

Meals 3 times a day for 5 nites = RM300

Transport/ entrance fee/ airport transfers = RM500

Small souveniers for myself and those in the list = RM300

Grand Total = RM2,300 (the currency is almost equivalent to Singapore)

source from wikitravel/ air*asia/ travellerspoint/ hostelbookers/ NZ  tourism website

Aha...looks like travelling to New Zealand will be slightly cheaper than taking blackberry...

But it has been three years since i last bought handphone...it should came up in the priority list...but then again i had been dreaming of going to New Zealand since i first seen my big sis's photos during her trip there in the late 90s...

A good friend of mine said that i should take the blackberry...and maybe save New Zealand as the honeymoon destination since its quite affordable to go there via Air*asia...as he eloquently stated...

~takkan lari New Zealand dikejar~

Arghhhh...it comes down to this...either taking on a gadget which is an asset that can be seen everyday until it broke/ unusable anymore...OR...use the same amount for a one-off experience to the beautiful country which will last forever in mind...owh denggg...now i am torn between the two...as i stated in one of my entries before...i can afford to travel by sacrificing other needs...once again now i have to make a decision...decision...decision...decision...what its gonna be...

Blackberry OR New Zealand

ajie

2:29 a.m

12 December 2010

Putrajaya

Bayar Saman

Ada 50% diskon tu...

Terpaksa la bayaq...

RM300...bye bye bye....

Punah harapan nak gi Bangkok...

Tapi bak kata member aku...aku bayaq saman ni untuk generate money untuk bayaq gaji aku dan kengkawan aku jugak...

Hahahaha...betul gak tu...in the end...

What You Give You Get Back...

ajie
7:02 p.m
10 December 2010
Putrajaya