New Arrival in Ramadhan

Alhamdulillah...dapat sorang lagi anak sedara (jangan tanya bila aku punya turn plak...sentapsss) hahaha...nama diberi... Siti Nur Arissa Imanina...mak aihhhh...kesian la kat anak sedara pak ngah ni nanti jenuh nak mengisi borang masuk sekolah segala...abang aku ni ponnnn...aishhhh...

Tapi alhamdulillah...bertambah lagi la ahli keluarga kitorang...the latest and surely not the last in the ever evolving Abdul Wahab clan...hehehe...nampaknya tahun ni bertambah lagi la bajet pak ngah untuk duit raya nieh...takpe lah...nasib baik ada rezeki Ramadhan...so pak ngah kasi anak anak sedara pak ngah ni sekeping duit kaler pepel lah kot...sementara masih mampu nieh (sebab pak ngah nieh bila la nak sampai rezeki part nieh...calon tu cam dah ada tapiiiiii...aishhhh...(-_-")....

This weekend i'm going back to Ipoh to meet my new niece...hopefully that she'll grow up to be insan yang solehah...pandai...comel (cam pak ngah dia ni jugak)...

Anyway...tahun ni kompem la abang aku raya kat Ipoh...so tak cukup korum la kitorang raya kat aloq staq...and furthermore...my sister just told us that she can't make it for hari raya this year...huhuhu...sedih lagi...dah 13 tahun rasanya dia tak balik raya nieh...huhuhu...but she promised that she'll be back by my lil bro's wedding...(jangan ditanya lagi bila turn aku...double sentapssss adik aku langkah bendulll)...

Pepehalpun...i am happy...rezeki Ramadhan kali ni makin bertambah...Alhamdulillah...sambil bulan Ramadhan ni aku gigih berdoa supaya rezeki yang satu tuh mai jugak kat aku...hehehe...

FSOM

Happy News

Just got a good news from my big bro...

I am going to get another nephew...

Yeahhhh...

Makin meriah la raya aku...

Dan bertambah la peruntukan raya nieh...

Ermmm...

Pak Ngah yang comel ni ntah bila la plak nak ada anak sendiri...

Mak Ngah nyer tu pon tak jumpa lagi...

Aishhhh...

Tetiba sedih...

Dalam gembira...

Weird...

FSOM

Welcome 2012

Memula let's see how my 2011 went...

January yang agak membengangkan sebab aku got into a disagreement yang akhirnya merugikan aku sebab itu owang budusss sombong sentap...so it triggers something lah...tapi whatever it is...aku sampai la ke Rome...yeah...dengan mym...dody...jaja...amy...zen...ayumi...kelasss uolsss...awal tahun dah gi long haul trip...hahaha...tercapai gak harapan sampai ke Rome...jadi dah cross satu negara lagi daripada list aku...

February tu dah sampai ke Prague...main salji bagai...wahhhh...cross lagi satu impian aku...then sampai gi Milan and akhirnya sampai gak ke Venice...and ada la benda-benda happened in my life yang not worth mentioning pon...

Mac aku tukar department lepas hampir 3 tahun kat kewangan...masuk HR plak...naissss...

April bermula dengan Bali trip with Mym and Jaja...sangat ngok ngek hokey kitorang punya trip...tapi memang memorable...satu lagi cross out place...pastu banyak belajar pasal HR...

Mei plak kena korban trip gi Medan sebab terlibat dengan APC...okay la...sesekali dalam bulan biru (kali kedua aku terpaksa kensel trip ke Medan itu)...pastu dapat plak surat offer untuk attend one month course kat Osaka...kelassss ko Maria...

Jun disambut bersekali dengan besday aku...pastu terbang gi Osaka...made new bff uolsss...Aida Pa'an Tinie Kue Taiko and of coz Abang Osaka...kelasss...adik aku pun kebetulan ada kat Osaka waktu time aku gi...

Julai plak aku kena transfer department lagi...gi Privatisation plak...nothing much happened...but one thing for sure...i got a really great boss...hehehe...

Ogos dah bulan posa and one of memorable day for us in the service for the same batch lantikan...dapat surat memangku...wachaaaa...dalam bulan posa plak tuh...rezeki ramadhan katanya...

September plak dah start memangku...naissss...

October sempat lagi aku terbang plak gi Phuket dengan Jepp Fara adik dia dengan gf...and it was also a hectic month for me...gilosss weih...

November pon sempat lagi fly gi Saigon plak...nak sambut besday Jaja punya pasal...Ina Ryn Hadi Jepp Fara Yantie Aliya Amy pon polo me gak...Ned ajer tak dapat join...huhuhuhuh...sedeyyyy...

December adalah turning point...dapat surat transfer...sedih juga...tapi its by my own choice lah...huhuhu...

So...camna 2012...

1. I Want to LOOK GOOD in suit...wachaaa...

2. KAHWIN laaaaaaa...

3. Learn as much as i can in my new line of work...

4. Kumpul duit NAK beli RUMAHHHH...

5. Tambah skill memasak...yeahhh...

6. Kurangkan ASAP dalam JANTUNG itu...

Lain lain akan dihapdet mengikut kesesuaian semasa...tapi whatever it is...6 ni yang ultimate target nieh...insya allah...doa dan usaha...diakhiri dengan tawakal...whatever it is... 

WELCOME 2012...

FSOM

From Home Sector to Foreign Service

I enter the service in 2007...

First placement was in Federal Territories...

First post was in Corporate And International...errrr...international la sangat kan...hahaha...

Then to Finance...

Then to Human Resources...

Finally to Privatisation...

That was all in between 2007 - 2011...4 years 3 months...

By 2012...

I started afresh...

To a completely new territory...

Into the Foreign Service...

My new officemate is Zet...

Who also transferred from the home sector...

But to different division...

Insya Allah...everything will be fine...

Amin...

FSOM

Transfer

Aku dapat salinan scan surat transfer via emel hari Khamis lepas...

Cam tak percaya ajer dah dapat surat tuh...

Kena lapor diri kat opis baru minggu depan hari Selasa...

Tapi boss HR suh tangguh sampai tahun baru...

Setelkan semua kerja kat opis...and also pasal new sbpa skim tuh...

Then baru mula kerja kat opis baru...

So its kinda a hectic year for me...

Bermula tahun ni dengan Finance Division...

Pastu second quarter plak kena transfer gi Human Resources Division...

Balik dari Jepun in the third quarter tu plak kena transfer lagi ke Economics Division plak...

And now...the end of the year...yakni fourth quarter kena transfer ke ***** *****...

Aiii...its indeed a memorable year for me...

Dan tetiba rasa sangat sedih nak tukar office nieh...

I had been in the current office since my first posting when i joined the service...

After four years its time for me to move on to new territory...

As i am no longer in the Federal Territories...

Soon i will be in ntah mana punya territory...

Wish me luck and pray for my good health...

I'm going to miss my wonderful officemates the most...

And yeah...i have to change my nick too...

Echo  

Johor Premium Outlet

Wachaaaa...dengaq nama pon dah rasa cam nak gi...hahaha...

Aku apa lagi...terus la surf website dia...tengok info sket (info ajer)...owh demmm...rupanya ini premium outlet ni sama company dengan the one yang aku gi ari tu kat Rinku Town Osaka and Kobe Sanda in Kobe yang kat Jepang itu ari...perghhh...ini memang bebetul fektori otlet...bukan cam yang kat Bandung punya fektori otlet...this is for real...of kozzz...'terpaksa' la wat lawatan tapak la kannnn...hahaha...

Konsep bangunan dia memang sama cam yang kat Rinku and Kobe Sanda itu...yang kat JPO nieh plak ada ler 80++ kedai pelbagai jenama...international mahupun local...so semalam aku dengan si zaza and hubby dia pon buat la 'lawatan tapak'...walaupun ini otlet terletak out of nowhere...keliling dia memang tempat jin bertendang...jauh gak ler dari JB itu...tapi agak dekat dengan airport...tapi ramai gilosss weih orang pi itu otlet...pi kerumun cam tak pernah tengok supermarket...opppsss...hahaha...nak masuk parking pon satu hal dah...jenuh mencari parking...dah dapat parking plak...bermula ler sesi 'catwalking' window-window kat otlet tuh...

Memula first skali nampak terus itu Zegna Outlet Store...storewide 50% uolssss...memang ler dengar cam best...tapi kalau sapa yang ala ala sengkek cam aku...50% dia pon still kena pikiaq panjang nak beli ke tak...sebab rega semua main ribu riban weih...after 50% pon still ribu riban...nak ajer aku beli suit dia sepasang...yang paling murah pon dalam RM2,400...lepas diskon adalah RM1,200...dan berpegang pada 'a man need to have a good suit in his closet'...aku pun saja ajer ler nak tengok ada saiz ker tak...cessss sungguh...tiada saiz aku...demmm...nak button pon tak bley kot...okay nextttttt...

Keluaq ajer pintu nampak orang bratoq panjang nak masuk Burberry...pastu aku tengok yang keluaq plak mesti ada aje benda yang depa beli...tapi tak sanggup den nak bratoq weih...baik layan tempat lain dulu...Michael Kors plak semua pon barang pompuan ajer...siap buat banner bebesor lagi...henbeg rega RM2,400 jadi RM999...spesel diskon...perghhhh...pastu ada Ferragamo Company store depan itu MK...masuk ajer...aku terus nampak itu kasut yang sangat chantekkkk hokey...boleh buat gi kerja...tengok harga...wahhhhhh...RM700??? for Ferragamo yang main harga RM1,000 ke atas...itu sangat berbaloi hokey...hampir terbabas di situ untuk membeli...tapi tenangkan diri sekejap...cakap sama diri sendiri ~tahun depan aku mau gi europe, tahun depan aku mau gi europe, tahun depan aku mau gi europe~ dengan perlahan letak balik itu kasut ke rak...cessss...

Jalan dua tiga langkah nampak la lagi orang bratuq...kali ni nak masuk itu Coach Outlet plak...demmmm...takpelah...jalan dulu...ingat nak beli beg keja Coach...sebab ada Coach Mens kat situ...tapi next dulu lah...masuk plak Geox...tapi kasut yang aku suka tiada kaler and size...okay next...pergi plak masuk Pedro...ada kasut tuh satu RM99...tapi biler aku masuk ajer kaki...jalan tak selesa...so pass...next...Braun Buffel dengan Tommy tak buka lagi kedai...demmm...pastu gi ler jalan lagi sampai ke hujung...ada la kedai Vincci dengan Padini...penuh giler orang...sesak sangat...takmolah masuk...so aku pon naik atas...

Sampai ajer kat atas...terus nampak lagi orang bratoq nak masuk itu Nike...waktu kat Rinku dulu aku masuk itu Nike tangan kosong...kuaq dengan 4 pasang kasut...owh tidakkk...harus dijauhkan...terus gi kedai Clarks...mak aih...itu kedai Clarks macam kena tsunami daaaa...kasut kat atas rak dia banyak dah takder...kedai pon penuh dengna orang...ada satu kasut kerja Clarks tu yang aku tau memang harga dia RM350...kat itu kedai tinggal RM220...terusss la aku pegang itu kasut pergi kat salesgirl dia tanya saiz...turns out tinggal last pair...happens to be aku punya saiz...tapi aku tengok kasut tu memang cam dah kena tsunami...habis calar balar...so of coz la tak jadi amik...owh...keciwa lagi...keluar ajer Clarks terus masuk Levi's plak...ini plak memang bikin aku panassss ajer...boleh kata majoriti saiz suar jeans dia 31 dan ke bawah...demmm...kompem aku nak pakai masuk paha pon tak moattt kottttt...keluaq la lagi...pi Timberland plak...kasut kerja tu memang aku tau harga dia RM400 sebab baru lepas tengok dengan Zaimee and Tina kat Lot 10...kat situ RM299...tapi bila tanya lagi skali...tiada saiz jua...hampeh...demittt...

Jalan skit...ada Lacoste...itu kasut manyak cunnnn...RM200...tapi lagi skali bila tanya saiz...cuma ada itu ajer saiz paling besaq...aku gagahkan jua masuk ke kaki...tapi memang serious aku berdiri ajer pon rasa sendat kat kaki...apakahhhh...ada plak DKNY...storewide 50% juga...tapi semua pon barang pompuan...mau ajer aku beli satu henbeg bagi kat sesapa sebab aku udah tensen sebab tak beli aper aper lagi...tapi pikir balik...ermmm...aku nak bagi kat sapa? tak jadi beli...sebelah tu CK pon sama gak...aishhhh...last skali aku masuk itu kedai Adidas...sajer jer le window...memang harga kasut dia murah dalam RM30~RM60 compared to the same shoes kat Al Ikhsan...tapi takperlah...aku nak cari kasut kerja...

Akhirnya aku keluaq jua dari itu JPO tanpa membeli apa apa...aishhhh...tapi bila fikirkan balik...memang tujuan aku mau window ajer kan....so memang hasilnya window jer ler...selamat la duit...tapi itu ati manyak sakit woooo...sebab semua benda yang aku mau semuanya itu pon tiada saiz...demmm...tapi takper...next time ada lagi...mau tunggu itu Braun Buffel buka dulu then aku gi skali lagi...mau tengok kot kot ler ada rezeki...hahaha...whatever it is...ini otlet memang berbaloi la nak gi...tapi maybe ada yang keciwa and kata barang dia semua tak best la...old season la...and what not...aperkah...hello...memang konsep outlet adalah itu macam la ngok...new arrival masuk boutique la budusss...outlet bukan klcc nor pavilion...dah nama pon outlet...of coz la barang pon limited to certain thing ajer...aishhhh...

Tapi kompem la aku akan gi skali lagi...cuma tunggu next year la kot...tunggu reda skit dulu...sekarang nieh ramai sangat orang nak gi...tunggu diorang re-stock barang...then buat lawatan tapak skali lagi...yeahhhh...

Echo

On The Other Side Of The Fence

Had an ohsem weekend...

Had a rare opportunity to be one of the facilitators for the new intake in intura...along with aida misran from malaysia...ina akak rempit...cik hayati da finance gurl...cipun da perlis guy...veron da perlis gurl...adiputra nama bak aktor drama...pa'an sang urusetia...amzari ado teluk intan...akak malis si pramugari...and managed to be friends with hirda and shima whom i don't know before...and some others...

Cipun and i attended the assessment in this particular spot...so we were just reminiscing on the old times...while amzari was kinda surprised that we actually remember our assessment days...hahaha...

It was a rather eye-opening experience and a great one that is to be part of the team and to be exposed of how actually the selection process goes...

Its good to be on the other side of the fence...

Echo

Shopaholics? NO NO NO

I don't consider myself a shopaholics...

NO NO NO...

TIDAK TIDAK TIDAK...

My only defence was that i spend my money wisely...

Buy things when they are SUPER SALE...

Never on NEW ARRIVAL...

Like today...

Spent my money on 6 pairs of shoes...

Can you imagine...

From the price of RM259. RM229. RM159 marked down to RM39.50!!!

Who can resists the temptation?

Of course i have to buy 6 pairs...

In the end...

I AM NO SHOPAHOLICS...

NO NO NO...

Hehehe...

Echo

My Happiest Moment

I'm at my best when i travel...

Regardless of where i go...it will be my happiest moment...seeing new things...experiencing new places...breathing the air of another country...it was priceless...

Most recently i went to Phuket, Thailand...different environment...total leisure...

And of course...the visa advertisement kinda inspired my new set of travel photos...its all the 'travel without money' dance...kinda cool...and i can actually imagine that i am that guy in the advertisement...its seriously cool...

Yeah...it is my happiest moment...its all about travelling...hehehe...

Echo

Favorite Question And My Answer

Standard lah...bila raya pakcik makcik kezen segala mai ada ajer ler soalan feveret...

Owh tahun ni skema jawapan aku ada dua...

Satu islamik skit...

Satu sangat la true but add in with a bit of sarcasm...

QUESTION

Bila nak kawin?

ANSWER NO 1.

Hanya Allah yang tahu...usaha berganda usaha udah digandakan...Insya Allah...ada jodoh nanti bertemu jua lah...tapi memang tengah usaha... ~ditambah dengan efek muka ala inesen lagi islamik berjaya memberikan impak~

ANSWER NO 2.

Ada yang ajak kawin...tapi tengok la camna...istikarah dulu lah...insya allah dapat petunjuk...kalau jadi hujung tahun ni terus kotttt...

Hahaha...kelasss kan jawapan...

Pepehalpun...Insya Allah...bila sampai waktunya...memang ada la tuh...

Yang penting usaha itu...

p/s : lepas raya nak kena jumpa itu Ms OAG lah...

Echo

Jalan Jalan Buka Posa 2011

Alhamdulillah...so far so great lah this year...walaupun tak gi terawih kat masjid still buat kat rumah ajer...but from time to time gi gak terawih kat masjid...

Let see how it goes this year...

First day of Ramadhan kat Aloq Staq bersama family tersayang...cool giler weih...aku beli flight ticket since last year...just for the sake of the first day of Ramadhan...second day potluck ke rumah si Leen...then esoknya plak tu buka posa kat rumah dengan hosmet aku...the next day plak gi buffet RM18 kat bangi dengan the regular hang out buddies...tapi on the 5th day blasah gi Concorde KLIA untuk buka posa...for the price of RM57...i am totally satisfied...reasonably priced with the array of dishes may it come from oriental to pasta station to 8 types of drinks...many selection on desserts (one of my top listed priority)...total satisfaction...

Then the next day fly back to Aloq Staq...everytime i go back to Aloq Staq...there's one specific dish that i will find...Laksam...its nothing like the Kelantanese-style...its Kedah-style...the big difference is the gravy...its one of my must have everytime i go back to my hometown...

Pastu balik KL balik...went back to jalan jalan buka posa...on Monday we bought groupon deal for buffet in The Zon Hotel KL for RM40 (original price RM65)...for RM40 its worth it...but for the original price of RM65...not worth it...better go to Concorde KLIA instead (which was fully booked everytime i call for the whole week)...the next day blasah plak gi Marriott KL...RM65...i think i had eaten worth more than that...so i am quite satisfied...and on top of that...dapat plak la kupon RM100 untuk this one Japanese restaurant...tapi aku tak makan Japanese food...so aku bagi kat C.k ajer ler...

Buka puasa takkan nak kat hotel ajer kan...so the following day buka posa dengan memember Jepang kat Alamanda...asal nak gi Noodle Station which i won't go again due to personal experience...last last settle down for Black Canyon...nothing special for puasa...just the same normal dish...okay ajer...its the company that matters...other than the food...pastu esok tu gi Pan Pac KLIA...ini memang kelas...how much? i am not sure...i didn't pay for it...hahaha...the following day buka posa kat rumah ajer...

Weekend kedua terus fly balik aloq staq...cam biasa pi PARAM ajer...then fly back to KL...Monday terus gi buka posa dengan Adiputra kat kedai makan kat bangi...buffet...RM18 jeeee...but the selection was worth it...ada nasi with various type of lauk pauk...then ada kuih muih...then ada laksa lagi...pastu ada pengat pisang la plak...then ada lagi sate...kerang bakar...on top of that ada lagi stimbot mini...for RM18...it was totally a great value for the pocket...Selasa tu rasa maleh la nak buka posa kat luaq...so buka posa kat rumah ajer...makan murtabak...nasi kerabu...kelasss...nice...owh...tidak dilupakan...ayaq tebu...

Then come the highlight of the whole week...the day we all get together again after four years on the road...just the few close buddies...blocking meja cam haper jer kat RASA Alamanda tu...tak bagi orang nak amik langsung...hahaha...pastu pergi la beli makan...and we talk...we laughed..and we talk again...it was great....it some how is the reminiscene of the iftar 2007...when it all started...

Yesterday, due to our batch goin up to potipor...a friend buy me a buka posa buffet in putrajaya ekuestrian...RM60...the selection is just okay...just nice...furthermore orang belanja...blasah ajer...makan ajer kambing golek...sate...then just normal malay dish...it lacks on the dessert department...ermmm...

As for today...i am going to Chakri Express Alamanda...i love the food there...and paying RM50 for the same kind of food that can easily cost RM30 for a dish and drink...i think i wont mind adding another RM20 to the tab just have the endless of it...hahaha...talking about being greedy...tapi aku tak bazir makanan what...aku makan...so i think its worth it...so i'll just going to see how it goes later...as for now...i am just content of trying to pack all my things as we have to move to Block 2, level 5...renovation weih...aiiii...

Owh ya...its already 10 final days of Ramadhan...betapa cepatnya masa berlalu...moga tuhan makbulkan doaku untuk tahun ini...amin...

Echo

Finally

After long wait and much speculation...

It is decided...

That i am not going to change my nick after all...

Dapat surat satu sampul sahaja...

Alhamdulillah...

For a while there i was thinking of what will happen to all my plans from Sept 2011 - June 2012...

Kalau kena tukar organisasi...

Tak tau camna...

Tapi alhamdulillah...

We all are officially going to start moving to the next post on probationary period commencing 15 September 2011...

Its going to be another 6 months before it is confirmed...

Alhamdulillah...

Rezeki ramadhan...

So project HKT...project SGN...project Bromo...project SwissBarcaPar...

Are very much still ON...

Congrats to my dear buddies 2/2007...

May Allah bless us all and guide us through this never ending journey...

We are indeed brothers and sisters after all...

Amin...


Echo

Flying Home For Buka Posa

Recently aku tengok ada satu iklan kat tv...

Iklan Fireflyz...

Tunjuk la mamat ni daripada bandar...

Terus balik kampung sebab nak berbuka posa dengan parents dia...

Tetiba aku rasa ter-related la plak...

As i have been doing just that...

Tapi tak naik Fireflyz lah...

Sebab jauh sangat nak gi Subang tuh...

So i opted for Airasia and MAS ajer...

Balik Aloq Staq almost every week...

Just untuk buka posa and sahur dengan my parents...

Its just a lil gesture...

That my parents really appreciate...

And i feel glad that i had done it...

Owh...this weekend nieh...fly balik Aloq Staq lepas sahur and fly balik Putrajaya lepas buka posa...

On the same day...

Boleh?

Hahahaha...

Echo

Ramadhan Datang Lagi

Pejam mata buka mata dah sampai Ramadhan...

Alhamdulillah...

We all live to see another Ramadhan...

Cam biasa la...

Kena niat puasa Ramadhan...

Sapa yang lupa...ni dia niat puasa Ramadhan...

nawaitu souma godhin ‘an adaa i, fardhi syahri ramadhaana haadzihis

sanati lillahi ta’aalaa

Niat Puasa Sebulan Ramadhan

Sahaja aku puasa bulan Ramadan seluruhnya pada tahun ini kerana  Allah Taala 

Selamat berpuasa... 

Echo

Irrevocable Differences

What does it means exactly...

Always heard it been uttered so many times when people separating from each other...

But now i had a good comprehension of what it meant...

What a way to know...

ajie
7:39 p.m
4 January 2011
Putrajaya

Deleted Entry

Terpaksa aku delete entry yang lalu...

Takut ada yang sentap...

Hahahaha...

ajie
4:58 p.m
3 January 2011
Putrajaya

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

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