Thursday, September 26, 2013

Ketagihan yang menakutkan.

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Cuba fikir balik,

When was the last time..

You are watching TV..
You are having dinner with your family..
You are celebrating a birthday dinner with your loved ones..
You are lepaking and ngeteh with some of your friends..
You are sitting in the room with your baby at your side..
You are listening to a friend's problem..

WTHOUT A HANDPHONE IN YOUR HAND?

**bunyi cengkerik.

I need to slow down my ketagih. Do you need it too?

Tuesday, September 24, 2013

Padahal Ku Pilih Kamu, Jadi Cinta Terakhir.



Lenyapkan aku dari kisah hidupmu.
Mungkin kamu akan kembali mengingati rindu kamu buat aku.
Yang padu, yang satu itu.
Yang menjadi idaman aku.
Kamu.

4.29 pm. 24.05.2013.

Monday, September 23, 2013

Mendekati angka 10 bulan. :)

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Cepatnya masa berlalu. 
Cepatnya kamu membesar wahai anak.
Terima kasih sayang, kerana sentiasa menenangkan hati ibu dengan wajah itu.
Alhamdulilah.
Terima kasih Allah.

2 batang gigi sudah ada di gusi bawah.
Anak ibu dah besar!

Tuesday, September 10, 2013

Merdeka Kali Ini.

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Every year, my taman (Desa Ayer Hitam) akan adakan sambutan kemerdekaan bersama penduduk-penduduk taman. Rasanya, dah lebih dari 15 tahun kitorang wat event sebegini. Memang semenjak diri ini masih kecil n kanak2 lagi. It is always a job for my abah n mak utk organizekan event sebegini sebab depa yg dok meneraju persatuan penduduk kat sini. Hehe.

So, every year, diri ini lah yang selalu snapkan gambar utk simpanan. Yes, dari 10 tahun dulu dok amik gamba event sebegini. Walaupun tiap2 tahun agendanya sama, kanak2 akan berbasikal mengibarkan jalur gemilang di sekeliling taman, and then semuanya berkumpul kat dewan serbaguna.. ramai2 menyanyikan lagu Negaraku, Kerana mu Malaysia dan Jalur Gemilang. Nampak cliche kan? Tapi percayala, sebenarnya TAK. Event simple sebegini lah yang dapat eratkan silaturahim antara kaum, dapat naikkan semangat patriotik dalam kiwa, especially kanak-kanak.. At these event, kanak2 mmg eksited nk nyanyi lagu patriotik, tak ketinggalan makcik2 and pakcik2. Siap berebut2 nk bendera sbb nk kibar masa nyanyi. Hehe.

Alhamdulilah, dari zaman kanak-kanak, zaman skola, zaman Aniq kecik, zaman bujang, zaman kahwin and now zaman Ilyas, masih lagi berkesempatan nk join event sebegini. Tahun lepas gamba sikit, sbb masa tu mengandung, xlarat nk amik. Tahun ni dapat share sikit, sebab seronok tgk Ahmad Ilyas eksited dengan bendera2 yang berkibar depan mata dia.. hehe.

Selamat Hari Merdeka everyone. ;) Moga jiwa kita lebih merdeka dari tahun2 sebelum ini. Insyallah! :)

Anak Merdeka,
Fanapicaholic.

Thursday, September 5, 2013

Baca, mungkin akan meluaskan minda kita yang kadang-kadang agak sempit.

Wrote by Liz Adnan.

As a banker, dealer and a neutral market watcher. I would like to share some market insights with my frens on what is really happening in Msia, in economic terms..and know that it is a tad scary out there. During July, international rating agency Fitch revised its outlook on Malaysia from "stable" to "negative" pointing to their lack of confidence in

The government's progress on budgetary reforms and fiscal consolidation. In laymen terms, they doubt Msia's ability to manage our debts and deficits. 

This set the mood for the impending storm Msia is about to face.

Subsequently in August, we saw massive capital outflow by foreign investors from our govt bonds and local equities. We saw outflows as much as RM 11billion in the bonds mkt and RM 3-4billion in the stock market, hence causing our Ringgit to be so weak that it hit the lowest since 2010. The last time we saw this much of capital flight was in 2009 when the US subprime crisis hit. 

But we are not bleeding alone. Our regional friends such as Phillipines, Indonesia and India have had massive capital flight in the past weeks, so bad that Indian rupee hit the weakest against USD in the history of India. "A record low" is what we call it. But why? because investors are generally worried over the growth prospects of Asian countries, Malaysia included. Thus they r putting their funds in safe havens such as gold and US treasuries (bonds). The impending war in Syria provided more uncertainties in the market causing losses across many trading instruments.

Bank Negara 2 weeks ago revised downwards its view on our country's GDP, from 5-6% to 4.5-5%. Telling us officially, we are not as peachy as we think. 

One of the sentiments by market watchers on Msia is that we have increasing trade deficits and debts but our govt is not doing anything? At least before and during elections the govt was not doing much. But a consolidation measure is required with the state Malaysia is in. A fiscal reform is needed. But a fiscal reform is rarely popular during elections. Nobody wants to be called sick and forced to eat the bitter pills when you are at a party. So BN waited till the party is over.

And come 2nd September, the govt announced a cut in the petrol subsidy. Citing that such cuts could save them RM1.1billion this year and another RM3.3 billion in 2014. Which is a save of 0.3% of GDP. Over the next 5 years, this is expected to reduce our trade deficits. This my friends is called a fiscal measure. One of the many pills Msia need to swallow to stay healthy. It is not a political move but an economic requirement.

Last week on 29 Aug USD/MYR hit 3.3300 level. On 3rd September a day after fuel hike was announced, Ringgit strenghtened to 3.2600 a positive sign. Economic research houses today noted that the subsidy cut is a step to the right direction but still not enough to change their negative views on the Msian credit prospects. So more reforms are expected, more unpopular annoucments will be made, more anger on social media, bashing on how bad the govt is. When in economic perspective, the govt is seen as positively trying to heal the economic health of Malaysia. 

I just had a chat with my husband last night. He trades both in local and US market and agreed on the dire situation of our local n global markets. As we drove our humble MyVi home, we know the first thing we should do is to stop ignoring the facts n accept the reality in front of us. And the reality is, we are in the brink of uncertainties and that a financial storm is brewing. We may be wrong, it may not hit, but it is certainly brewing. Save and survive my friends. 

Alhamdulh As bankers we may enjoy healthy bonuses and income, which mainly provided the lifestyle and the purchasing power we have. But that has to change from a lifestyle provider to survival contingency. I have made changes such as limiting our fancy dinners on weekdays to alternate weekends and have subdued the shopping monster in me. It is not because i have an increase of expenditure cuz of the 20 cents hike and that i cant afford the fancy dinners or the designer bags or the overseas trips but because i am being rational about what is coming. And i ask you to read and learn the reality from unbiased n informed sources with the hope it may encourage you to improve your habits for the better.

It is a tough time to endure for some and i admire your strenght. Take that anger and focus on surviving and be financially aware. Save if possible.

After a good hearty meal, our sweet desserts are finishing..now its time to take the pill. Take care.

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AhmadIlyasMerdeka

Kita manusia biasa. Mudah melatah dengan perkara-perkara yang menyusahkan kita. 3 hari lepas, kerajaan menaikkan harga minyak RON95 sebanyak 20 sen. Hati ini tidak terlalu terganggu, kerana rasa masih mampu utk menampung harga baru itu. Semalam, RON97 naik 15 sen, hati sudah mula terganggu... terpikir dalam kepala.. "Kenapa kerajaan buat macam ni? Kenapa depa tindas rakyat lepas menang pilihanraya"?

But then, I came to the above post. Apa yang dia kongsikan sangat membuka minda. Yup, ilmu ekonomi yang dia kongsikan. Ilmu yang selama ni diri ini tak pernah faham. Barulah rasa macam, Ohhh... ok. No wonder.

Baca, dan fahami. Mungkin apa yang dia kongsikan akan meluaskan minda kita yang kadang-kadang agak sempit ni.

Stop komplen pasal gaji dah makin tak cukup menampung kehidupan seharian. Start pikir, camana nk tambah pendapatan, supaya kita cukup duit utk menampung keluarga.

Kadang-kadang pk, orang2 yg komplen kat facebook tu sebenarnya ada buat ape-ape tak utk tambah duit depa? Ntah2, kat opis ngelat xbuat keje, komplen macam2 kat facebook, balik rumah makan, pastu tido. Langsung tak pk inisiatif untuk berusaha menambah pendapatan. MUNGKIN.

Tak payah berbelanja lebih. Simpan dan invest pendapatan kita. Beli ape yg perlu, tak perlu tambah apa yang tak mampu. Moga kita tergolong di kalangan orang-orang yang tidak disempitkan ruang rezeki. Ingat, walaupun banyak yg berlaku di sekeliling kita, ianya juga merupakan dugaan yang diturunkan oleh Allah buat kita. Ini semua ingatan dari Dia buat kita sebenarnya, kita yang susah nk nampak konsep tu. .

Rezeki Allah swt yang bagi, bukan orang lain, or even bukan government.

Jadikan anak atau orang yg kita sayang sebagai motivasi utk kita bekerja lebih keras. That's what I did, jadikan Ahmad Ilyas sebagai motivasi utk berusaha lebih kuat lagi.. 

- Dah ada idea. Dah nak mula. Moga dipermudahkan Allah swt. Amin.


Stop complaining, jom buat something.
Fana a.k.a Farsha