Junjungan Mulia

Tercipta satu lembaran sejarah
Di tanah suci kota Mekah
Hari yang mulia penuh syadah
Bermulalah sebuah kisah
Malam Isnin subuh yang indah 12 Rabiul Awwal yang cerah
20 April tahun gajah
Lahirlah zuriat yang syadah
Abdullah nama bapanya
Siti Aminah ibunya
Riang gembira menyambut tiba
Lahirnya putera yang berbakti
(ulang rangkap 1 & 2)
Keadaan yatim anak mulia
Lahirnya bawa cahaya
Alam derita jadi gembira
Terima junjungan mulia...

By: Al-Mizan

FRESH GRADUATE beli 3 buah rumah dlm masa 4 bulan bekerja???

Ini bukan sembang kosong tapi telah terbukti berjaya di lakukan oleh anak muda berusia 22 tahun ini (Lothfi Ishak)

- Tiada rekod di CCRIS jd beliau apply credit card utk mcipta history record pd bln ke2 bkerja
- 70% daripada gaji digunakan sbg simpanan tetap stp bln ke ASB n TH
- Duduk menyewa dengan rakan-rakan
- Tidak membeli kereta dan hanya menunggang motor sahaja walaupun beliau mampu membeli kereta buatan luar negara
- Bulan ke4 membeli 3 buah property kebanyakan 10-30% di bawah harga pasaran
- Dan yg paling penting beliau berani bertindak membuat keputusan tanpa memberi alasan "Ayah tak bagi beli"- Ketika konvokesyen,kwn2 sebaya datang dengan kereta hebat masing-masing...tapi sayang beliau tidak larat menangkat ketiga-tiga rumah beliau untuk di tayangkan kepada kawan-kawan lain.



Ihsan - JOHOR Underground Investor-

Formula Pengiraan Insuran Kenderaan

Insuran kenderaan adalah suatu perkara yang dimestikan untuk setiap kenderaan berenjin yang menggunakan jalanraya di Malaysia.

Kebanyakan pemilik kenderaan tidak mengetahui bagaimana untuk mengira jumlah untuk setiap kenderaan yang merka gunakan.

Secara ringkasnya, disini saya ingin memberikan formula umum yang boleh digunakan untuk semua jenis kenderaan 4 roda dan ke atas mengikut kapasiti enjin (engine capacity, cc) yang di amalkan di negara Malaysia.

TOTAL PERLU DIBAYAR = (( TOTAL COVERAGE x 0.026) + RM ) - NCD + RM 10 (STAMP DUTY).

NCD atau NCB adalah suatu perkara yang sama.

NCD = Non Claim Discount
NCB = Non Claim Bonus

•             1400 and below ----------- RM 199.20
•             1401 - 1650 --------------- RM 225.50
•             1651 - 2200 --------------- RM 251.50
•             2201 - 3050 --------------- RM 278.20
•             3051 - 4100 --------------- RM 304.50
•             4100 - 4250 --------------- RM 330.80
•             4250   - 4250 -------------- RM 357.80
•             4401 and above ---------- RM 383.50

•             Year 1 -------------------- NCB 25%
•             Year 2 -------------------- NCB 30%
•             Year 3 -------------------- NCB 38.33%
•             Year 4 -------------------- NCB 45%
•             Year 5 and above ------- NCB 55%

One example calculation :

Cubic capasity : 1298

Year of car : 2007

NCB : 25%

Vechicle present value : RM 30,000

Calculation :

Insuran premium = (((RM 30,000 x 0.026) + 199.20) - 25% ) + RM10 = RM 744.40

Udang Galah Kota Tinggi

Hari ini merupakan trip kedua saya pergi memancing di Sungai Kota Tinggi (Sg Kota). Trip pertama dahulu saya bersama bro Jai sahaja. Pada hari ini saya bersama 3 lagi rakan dari Johor Bahru akan mencabar Udang Galah Kota Tinggi. Saya bersama bro Zul menaiki bot yang sama. Sewa bot RM15 tanpa enjin dan RM50 berenjin. Saya agak bertuah kerana satu bot dengan bro Zul sebab beliau memiliki enjin sendiri berjenama Suzuki DF6, jadi hanya membayar sewa bot kosong sahaja. Bro Jai pula satu bot bersama pak mertua beliau dengan mengewa bot berenjin.

Seawal 8 pagi, kami sudah berada di dalam bot dan mula bergerak mencari lubuk-lubuk yang sesuai yang menjadi tempat bermain udang galah. Oleh kerana kurang pengalaman memancing udang sebelum ini, saya dan bro zul terpaksa mengekori kemana sahaja bro jai pergi, ke segenap lubuk dan ceruk Sg Kota untuk mencari lokasi yang tepat dimana banyak terdapat Udang Galah. Kata bro Jai, Udang Galah biasanya selalu bermain di dasar sungai yang berarus sederhana. Udang Galah juga biasanya akan bergerak di dalam satu kumpulan, pergerakan udang-udang ini bolehlah dibayangkan seperti pergerakan semut-semut yang biasa kita lihat di dalam rumah. Sekiranya kita dapat melabuhkan sauh bot di tempat laluan Udang Galah ini, InsyAllah rezeki untuk menaikkan udang-udang ini pasti ada. Dan lazimnya, jika mempraktikkan teknik dan skill yang tepat, udang-udang yang berjaya ditewaskan bukannya sedikit.

Bersiap-siap untuk menaiki bot

Untuk pengetahuan semua, selain kami berempat, sebenarnya ramai lagi kelibat kaki-kaki pancing yang dapat dilihat turun ke Sg Kota untuk memburu Udang Galah. Kebanyakan kaki-kaki pancing datang dari luar daerah Kota tinggi seperti kami (Johor Bahru). Kebanyakan kaki-kaki pancing luar ini memancing Udang Galah untuk dimakan sendiri. Manakala kak-kaki pancing otai berasal dari daerah ini biasanya memancing udang untuk dijual kepada orang tengah. Harga yang dibeli orang tengah sebanyak RM40/kg. Mereka kemudiannya akan menjual udang-udang ini ke restoran-restoran sekitar Kota Tinggi dan Johor bahru dengan harga mencecah RM70-RM100 sekilogram bergantung kepada saiz udang.

Bagi saya memancing udang ini hanya sekadar hobi dan tidak mengharap tangkapan yang banyak. Cukuplah dapat rasa keenakan isi Udang Galah. Apa yang penting kepuasan menaikkan udang tersebut, lebih-lebih lagi jika dapat bertarung dengan Udang Galah sepit biru, atau nama popular disini 'Jongkong'.

Tepat jam 6 ptg, kami berangkat pulang ke Jeti Pak Mad, iaitu tempat dimana kami menyewa bot tadi. Tangkapan pada hari tersebut sebanyak 9 ekor sahaja. Apa yang penting dapat Jongkong seekor!! He he he...

Jongkong a.k.a Sepit Biru

Sekian dulu, jumpa lagi...

Selamat tinggal Kota Tinggi, until we meet again..

Final Day of Two Colleagues

Sejarah: Hari-hari terakhir bersama Datuk Seri Syed Zainal (DSZ)

Assalamualaikum, Salam Sejahtera dan Salam 1 Malaysia pada seluruh warga PROTON yang saya kasihi.

Semoga warkah saya ini bertemu saudara saudari dalam keadaan sihat sejahtera, ceria dan bersemangat tinggi dalam menjalankan tugas-tugas harian.

Seperti yang semua sedia maklum, saya telah pun melepaskan jawatan saya sebagai Pengarah Urusan Kumpulan PROTON berkuatkuasa 4hb Julai, 2012. Dengan mengambil kira cuti yang saya perlu habiskan, hari ini yakni Khamis 31hb Mei, 2012 adalah merupakan hari terakhir saya berada di PROTON secara fizikal.

Saudara saudari yang saya kasihi,

Terlalu berat untuk saya menulis surat ini sebagai penutup tirai kepada lebih enam (6) tahun perkhidmatan saya di PROTON. Berhari-hari saya mengadap skrin komputer yang kosong kerana ternyata tidak ada perkataan yang dapat menterjemahkan apa yang ada di lubuk hati saya. Bagaimana mungkin dapat saya melepas perginya sesuatu yang telah memberi impak yang dalam dan bermakna kepada kehidupan saya? Bagaimana mungkin dapat saya berjabat tangan dan mengucapkan selamat tinggal pada rakan-rakan yang sudah saya anggap sebagai ahli keluarga sendiri? Tiada ucapan yang dapat saya ungkapkan untuk mengucapkan ribuan terima kasih saya kepada setiap individu yang telah berusaha bersungguh-sungguh dalam membantu saya menjalankan tugas saya sekian lama. Tiada mampu dalam diri saya yang kerdil ini untuk membalas pengorbanan, kegigihan dan masa yang telah di curahkan oleh semua pihak dalam usaha merealisasikan impian PROTON tanpa mengenal lelah dan jemu.

Saudara saudari yang saya kasihi,

Apabila saya imbas kembali detik-detik perjalanan saya di PROTON, saya menganggap sayalah yang sebenarnya beruntung. Saya beruntung kerana dapat menerajui sekumpulan tenaga pekerja yang saya anggap permata-permata yang amat bernilai. Saya bersyukur kerana dipertemukan dengan sekumpulan warga Malaysia yang kental semangatnya. Tatkala masyarakat umum memberi persepsi negatif pada PROTON, saudara saudari masih bangun dinihari untuk ke kilang dengan penuh rasa bangga. Tatkala kita ditertawakan atas kesilapan lalu, saudara saudari menerima kritikan dengan sikap terbuka. Tatkala kita berada di bawah, saudara saudari bangkit dan menyahut cabaran perubahan. Semangat saudara saudari lah yang membakar semangat saya untuk terus berjuang memulihkan PROTON. Kematangan saudara saudari jualah yang telah mematangkan diri saya untuk berani mengambil pendekatan baru demi melonjakkan nama PROTON. Saya yakin berdiri di atas pentas kerana saya berdiri di atas keyakinan saudara saudari. Ternyata hari ini, saya lah yang kehilangan sesuatu yang besar nilainya. Bukan saudara saudari.

Saudara saudari yang saya kasihi,

Saya yakin saudara saudari akan meneruskan perjuangan ini dan mampu membawa nama PROTON ke tahap yang lebih tinggi. Saya percaya saudara saudari akan terus memberikan sokongan yang mampan walau dalam apa jua keadaan sekali pun. Segalanya tidak mustahil jika kita tanam keyakinan yang tinggi pada setiap sesuatu. Di mana ada kemahuan, disitu pasti ada jalan, Saya telah melihat kehebatan saudara saudari, jadi saya menyeru agar di teruskan kegigihan ini. Percayalah pada diri sendiri, kejayaan pasti memihak kepada saudara saudari dengan izinNya. Saya yakin dengan suntikan dan anjakan paradigma pengurusan baru, di bawah pimpinan YBhg Dato Sri Hj Mohd Khamil Jamil, PROTON akan terus meraih namanya di persada automotif, insyaallah.

Saudara saudari yang saya kasihi,

Sebagai manusia yang dhaif dan lemah dalam pelbagai aspek, saya menyusun sepuluh jari memohon kemaafan dari setiap warga PROTON atas segala keterlanjuran bahasa, tingkahlaku, makan minum, hak-hak saudara saudari yang tidak dapat saya sempurnakan sepanjang perkhidmatan saya di PROTON. Saya pasti terdapat banyak kekhilafan dan serba kekurangan dalam pentadbiran dan pengurusan saya, Yang baik itu datang dariNya, yang buruk itu adalah kelemahan saya sendiri. Saya mohon juga disampaikan kemaafan dan salam saya pada keluarga saudara saudari sekelian. Walaupun saya mungkin tidak berkesempatan bertemu dengan mereka, doa saya akan sentiasa mengiringi mereka.

Hukum alam menetapkan, setiap yang bermula pasti akan berakhir. Setiap pertemuan, pasti ada perpisahan. Walapun jauh dimata, PROTON akan tetap di hati saya. Saya akan sematkan ingatan dan pengalaman berharga ini jauh di lubuk hati saya. Semuga takdir mempertemukan kita semula dilain tempat, dilain masa, insyaallah.

DSZ berucap buat kali terakhir di lobi R&D Proton

Akhir kalam, saya memetik lirik dari nyanyian Faith Hill dari lakun layar Pearl Harbour dan kata-kata ini saya tujukan khas kepada semua warga kerja PROTON.

“There You’ll Be”
When I think back
On these times
And the dreams
We left behind
I’ll be glad ’cause
I was blessed to get
To have you in my life
When I look back
On these days
I’ll look and see your face
You were right there for me
In my dreams
I’ll always see you soar
Above the sky
In my heart
There will always be a place
For you for all my life
I’ll keep a part
Of you with me
And everywhere I am
There you’ll be
And everywhere I am
There you’ll be
Well you showed me
How it feels
To feel the sky
Within my reach
And I always
Will remember all
The strength you
Gave to me
Your love made me
Make it through
Oh, I owe so much to you
You were right there for me
‘Cause I always saw in you
My light, my strength
And I want to thank you
Now for all the ways
You were right there for me
You were right there for me
For always

Salam hormat dari saya,
Syed Zainal

Sungai Johor Bridge Trip

Ahad lepas (semalam), saya mengajak isteri untuk pergi melihat jambatan baru menghubungkan Pasir Gudang dan Desaru. Jambatan tersebut dikenali sebagai Jambatan Sungai Johor  dan adalah sebahagian daripada rangkaian Lebuhraya Senai-Desaru (E22). Bergerak dari rumah di Masai dalam jam 3.45pm dan memasuki Highway E22 melalui Exits 2210 Pasir Gudang. Setelah beberapa minit bergerak di atas highway, jambatan dapat dilihat dari jauh. Jika diperhatikan konsep jambatan ini direka bentuk seperti Jambatan Pulau Pinang.

Dapat dilihat dari jarak 5km

Di atas jambatan, tinggi 2 tiang utama ialah 143m

Setelah sampai ke plaza tol terakhir iaitu di Exits 2212 Penawar, saya pun membayar kadar tolnya sebanyak RM5.90!, boleh tahan. Alang-alang sekadar pergi melihat jambatan, kami terus sepakat pergi ke Desaru untuk mencuci mata sekejap. Kami singgah di Public Beach Desaru, ini merupakan kali pertama Ariana dibawa ke pantai dan adik ipar (kak su) pun sudah 4 tahun tak pergi ke pantai. Semoga semuanya gembira dengan trip yang singkat ini.

Ariana dan mama

Ariana dan papa

Ariana, tok ma dan kak su

Jam 5.40pm kami berangkat pulang ke rumah. Tiba di rumah pada jam 6.30pm. Sekian...

Lagi info tentang Jambatan Sungai Johor:

- Panjang: 1708 m
- Merupakan jambatan sungai terpanjang di Malaysia
- Menghubungkan Pulau Juling berhampiran Kong Kong di sebelah barat ke Tanjung Penyabong di   sebelah timur
- Lalaun Senai ke Pasir Gudang: 4 lorong. (Good)
- Laluan Pasir Gudang ke Penawar: 2 lorong. (Ini yang kurang sikit, kalau kereta banyak highway boleh jem, siap boleh buat U-turn lagi, boleh dipanggil Ekspressway ker ni.? ekekek)
- Pembinaan diketuai oleh Senai Desaru Expressway Berhad dengan kontraktor utama Ranhill Engineers & Constructors Sdn Bhd

Ten Lessons You Can Learn from Steve Jobs

  Steve Jobs was the co-founder, chairman, and chief executive officer of Apple Inc.
By Eric Jackson (FORBES)

The Rainbow Logo: 1976-1998

1. The most enduring innovations marry art and science – Steve has always pointed out that the biggest difference between Apple and all the other computer (and post-PC) companies through history is that Apple always tried to marry art and science. Jobs pointed out the original team working on the Mac had backgrounds in anthropology, art, history, and poetry. That’s always been important in making Apple’s products stand out. It’s the difference between the iPad and every other tablet computer that came before it or since. It is the look and feel of a product. It is its soul. But it is such a difficult thing for computer scientists or engineers to see that importance, so any company must have a leader that sees that importance.

2. To create the future, you can’t do it through focus groups – There is a school of thought in management theory that — if you’re in the consumer-facing space building products and services — you’ve got to listen to your customer. Steve Jobs was one of the first businessmen to say that was a waste of time. The customers today don’t always know what they want, especially if it’s something they’ve never seen, heard, or touched before. When it became clear that Apple would come out with a tablet, many were skeptical. When people heard the name (iPad), it was a joke in the Twitter-sphere for a day. But when people held one, and used it, it became a ‘must have. ’ They didn’t know how they’d previously lived without one. It became the fastest growing Apple product in its history. Jobs (and the Apple team) trusted him more than others. Picasso and great artists have done that for centuries. Steve Jobs was the first in business.

3. Never fear failure – Jobs was fired by the successor he picked. It was one of the most public embarrassments of the last 30 years in business. Yet, he didn’t become a venture capitalist never to be heard from again. He didn’t start a production company and do a lot of lunches. He picked himself up and got back to work following his passion. Eight years ago, he was diagnosed with pancreatic cancer and told he only had a few weeks to live. As Samuel Johnson said, there’s nothing like your impending death to focus the mind. From Jobs’ 2005 Stanford commencement speech:
No one wants to die. Even people who want to go to heaven don’t want to die to get there. And yet death is the destination we all share. No one has ever escaped it. And that is as it should be, because Death is very likely the single best invention of Life. It is Life’s change agent. It clears out the old to make way for the new. Right now the new is you, but someday not too long from now, you will gradually become the old and be cleared away. Sorry to be so dramatic, but it is quite true.
Your time is limited, so don’t waste it living someone else’s life. Don’t be trapped by dogma — which is living with the results of other people’s thinking. Don’t let the noise of others’ opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary.

4. You can’t connect the dots forward – only backward – This is another gem from the 2005 Stanford speech. The idea behind the concept is that, as much as we try to plan our lives ahead in advance, there’s always something that’s completely unpredictable about life. What seems like bitter anguish and defeat in the moment — getting dumped by a girlfriend, not getting that job at McKinsey, “wasting” 4 years of your life on a start-up that didn’t pan out as you wanted — can turn out to sow the seeds of your unimaginable success years from now. You can’t be too attached to how you think your life is supposed to work out and instead trust that all the dots will be connected in the future. This is all part of the plan.
Again, you can’t connect the dots looking forward; you can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future. You have to trust in something — your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life.

5. Listen to that voice in the back of your head that tells you if you’re on the right track or not – Most of us don’t hear a voice inside our heads. We’ve simply decided that we’re going to work in finance or be a doctor because that’s what our parents told us we should do or because we wanted to make a lot of money. When we consciously or unconsciously make that decision, we snuff out that little voice in our head. From then on, most of us put it on automatic pilot. We mail it in. You have met these people. They’re nice people. But they’re not changing the world. Jobs has always been a restless soul. A man in a hurry. A man with a plan. His plan isn’t for everyone. It was his plan. He wanted to build computers. Some people have a voice that tells them to fight for democracy. Some have one that tells them to become an expert in miniature spoons. When Jobs first saw an example of a Graphical User Interface — a GUI — he knew this was the future of computing and that he had to create it. That became the Macintosh. Whatever your voice is telling you, you would be smart to listen to it. Even if it tells you to quit your job, or move to China, or leave your partner.

6. Expect a lot from yourself and others – We have heard stories of Steve Jobs yelling or dressing down staff. He’s a control freak, we’ve heard – a perfectionist. The bottom line is that he is in touch with his passion and that little voice in the back of his head. He gives a damn. He wants the best from himself and everyone who works for him. If they don’t give a damn, he doesn’t want them around. And yet — he keeps attracting amazing talent around him. Why? Because talent gives a damn too. There’s a saying: if you’re a “B” player, you’ll hire “C” players below you because you don’t want them to look smarter than you. If you’re an “A” player, you’ll hire “A+” players below you, because you want the best result.

7. Don’t care about being right. Care about succeeding – Jobs used this line in an interview after he was fired by Apple. If you have to steal others’ great ideas to make yours better, do it. You can’t be married to your vision of how a product is going to work out, such that you forget about current reality. When the Apple III came out, it was hot and warped its motherboard even though Jobs had insisted it would be quiet and sleek. If Jobs had stuck with Lisa, Apple would have never developed the Mac.

8. Find the most talented people to surround yourself with– There is a misconception that Apple is Steve Jobs. Everyone else in the company is a faceless minion working to please the all-seeing and all-knowing Jobs. In reality, Jobs has surrounded himself with talent: Phil Schiller, Jony Ive, Peter Oppenheimer, Tim Cook, the former head of stores Ron Johnson. These are all super-talented people who don’t get the credit they deserve. The fact that Apple’s stock price has been so strong since Jobs left as CEO is a credit to the strength of the team. Jobs has hired bad managerial talent before. John Sculley ended up firing Jobs and — according to Jobs — almost
killing the company. Give credit to Jobs for learning from this mistake and realizing that he can’t do anything without great talent around him.

9. Stay hungry, stay foolish - Again from the end of Jobs’ memorable Stanford speech:
When I was young, there was an amazing publication called The Whole Earth Catalog, which was one of the bibles of my generation. It was created by a fellow named Stewart Brand not far from here in Menlo Park, and he brought it to life with his poetic touch. This was in the late 1960′s, before personal computers and desktop publishing, so it was all made with typewriters, scissors, and polaroid cameras. It was sort of like Google in paperback form, 35 years before Google came along: it was idealistic, and overflowing with neat tools and great notions.
Stewart and his team put out several issues of The Whole Earth Catalog, and then when it had run its course, they put out a final issue. It was the mid-1970s, and I was your age. On the back cover of their final issue was a photograph of an early morning country road, the kind you might find yourself hitchhiking on if you were so adventurous. Beneath it were the words: “Stay Hungry. Stay Foolish.” It was their farewell message as they signed off. Stay Hungry. Stay Foolish. And I have always wished that for myself. And now, as you graduate to begin anew, I wish that for you.
Stay Hungry. Stay Foolish.

10. Anything is possible through hard work, determination, and a sense of vision – Although he’s the greatest CEO ever and the father of the modern computer, at the end of the day, Steve Jobs is just a guy. He’s a husband, a father, a friend — like you and me. We can be just as special as he is — if we learn his lessons and start applying them in our lives. When Jobs returned to Apple in the 1990s, it was was weeks away from bankruptcy. It’s now the biggest company in the world. Anything’s possible in life if you continue to follow the simple lessons laid out above.
May you change the world.

Info:

Source: http://fpidb.felda.net.my