Archive for February, 2010

Pose it like a stars..

Motif letak gambar ni???? I love the idea of the backdrop to be put on wedding photobooth…The guest could pose to kill, at least ada pose with backdrop of the bride&groom monogram..

I love this monogram…

as an example(ahem), this is the monogram

From it, then you can do a backdrop like this

just place it next to next

And as an example again..

nanad pinjam muka jap..u r going gak kan..kekeke

Ok thats all I got..Oh print it well..after-married macam boleh guna lagi je..for deco..since bukan melibatkan gambar

I love him

hehehee tajuk x beragak…

I love that he always feed my tummy with good food. Everytime I went to JB, there must be a new place he take me to.Never been a repeat visit..yet. What I remember….we’ve been to

1. Seafood Gelang Patah..where we’re the only guest to eat lunch..weird eh lunch by the seaside..

2. Seafood Kg Danga. He called this place Lam, owned by Chinese but Indonesian cooks it, he said..I never want to come here again because of the uncertainty. Mind you that lotssss of Malay eats here, maybe thats why he dont mind.

3. Steamboat Pelangi. I love it here..Kinda roadside restaurant but the ambience is nice. You pick up the things to be boiled and the waiter will serve the rest.We eat so much sebab tamak pilih banyak sgt.

4. Rose garden Danga Bay. For his birthday dinner. We order rounded chicken rice and lime ala tequila. Gotta love the deco inside the restaurant, soo Englisy Gardeny. But we choose to eat outside. There’s live band summore.

5. Banafe in front of New York Hotel. I ate Nasi Ayam penyek before but hated it so much, then i came here, I fell in love. Sedapp Ayam penyek, worth a visit.

6. Nasi Padang Kg Melayu Majidee. My first time trying out Nasi Padang. Not bad at all. Small but clean hawker-style eateries.

7. Restoran near BBU(I dont remember but quite hard to find, behind big Mamak resto and beside this longkang besar..not really longkang la).. We loveee the honey squid here..

8. Asam pedas near Desa Rahmat, Tampoi. The best asam pedas in town..as quoted by him. Im not a big fan of Asam Pedas.

9. Kacang Pol Bomba Larkin. I love love love this thing. Couldnt get enough.

10. Nasi Goreng Saufi near Kempas. The portion is too big to me..Got 3 prawn top of the nasi. Nothing fancy, only the prawn.They even adds the crisp(kerak) as in pisang goreng..I dont like it even when I buy pisang goreng, summore inside nasi goreng??

11. Roadside linked-hawker near Padang bandaraya( kedai paling hujung yang ade musician).. We both love ice-jelly and sotong kangkung here…

12. Medan Selera Hutan bandar . Breakfast here. Ok la .

actually there’s a lot of other place but I dont remember specifically

During my studies at UTM, i never been to these place, 1 because he dont have a car yet, 2 my close friends mostly from KL. I’ve been to Senibong, Stulang seafood, Tmn U restaurant nearly khatam semua ( Payung, Pak Ali, Ayub,Aras Ledang, Safiah, Kafeteria Noor, Ketumbar, Singgora, Student Corner .

Yah I love JB food, its totally different from KL. When I went to JB last week, I had breakfast date with Saghah, my ex-roommate from matriculation, even only Roti Canai, its good. The menu of lunch there is whoopingly a lot. You may expect more than 20 different menu awaits.

bruschetta.

Bruschetta is an appetizer whose origin dates to at least the 15th century from central Italy. It consists of grilled bread rubbed with garlic and topped with extra-virgin olive oil, salt and pepper. Variations may include toppings of spicy red pepper,tomato, vegetables, beans, cured meat, and/or cheese; the most popular recipe outside of Italy involves basil, fresh tomato, garlic and onion or mozzarella.

INGREDIENTS

  • 6 or 7 ripe  tomatoes
  • 2 cloves garlic, minced
  • 1 Tbsp extra virgin olive oil
  • Mozarella cheese
  • 6-8 fresh basil leaves, chopped.
  • Salt and freshly ground black pepper to taste
  • 1 baguette French bread or similar Italian bread
  • 1/4 cup olive oil
Dice tomatoes into 1/2 inch pieces; drain over a bowl for 30 minutes to remove excess liquid. Combine all relish ingredients except the Mozzarella cheese in a small non aluminum bowl. Stir well and taste for seasoning. Prepare grill for medium hot grilling, or preheat broiler. Place the bread on the grill; grill or broil each side just until marks of the grill or broiler pan appear. Remove and place on serving platter. Rub the toasted bread pieces on each side with cut surfaces of the peeled garlic cloves. Add cheese cubes to the relish; spoon mixture over each bread slice and then drizzle the remaining 2 tablespoon extra  olive oil over top. Sprinkle with freshly ground black pepper and serve.
Makes 6 servings.

* baru lepas makan bruscetta kat Barra Cafe near Tesco Ampang.. I think I like it.Simple.And also just watched Julie and Julia….I think I saw Julie made this bruschetta…looks yummy

Nom nom

ye aku mmg menggelikan

I’m hooked with weddingpaperdiva website..Dahla boleh personalize…

Yesterday I sleepover at Ummu’s place and she accidentally saw my wed plan and were furious that I didn’t told her a thing. We end up staying up flipping over wedding n design mags and sharing ideas..(Ummu words: body shop body and bath care and also my guestbook).Her sis getting engaged next April. Nurul Shukor jadi planner cum MUA ok…Gahhh best gila! I bet nanti Ummu’s pun Nurul Shukor buatkan…

Kenduri tahlil Ummu and her mom yang masak..dengan dapur kayu..Memang hard-to-find. they both mmg kamceng especially dalam cookery..

Dah dapat softcopy Julie&Julia from ummu…..cant wait to watch it

#1 Rantings

  1. Dah lama aku xambik gambar..dekat 6bulan xpegang camera kot….
  2. Nak pregnant-photography dgn Jaja sebelum dia bursttt out
  3. Aku nak set up new blog platform blogspot untuk wedding preps~Byk idea nk pour out–> No actual plan of marriage cuma nak ada memories…and start scraptbooking
  4. Job hunting xstart lagi..Aku rasa otak makin bebal
  5. House hunting sgt lah excited especially utk bride-to-be
  6. I love him even more…macam lebih appreciate gitew
  7. Aku dah stable tp emotionally xstable..aku dah xbetul balik…camana nak ckp..jadik pemalas, baca quran pun xboleh hari-hari..Entahlah pandai betul engkau setan hasut aku..
  8. Kenapa nak kawin kena ada 30k..rasa cam membazir gila..baik buat d/payment rumah..
  9. Time approaching nak gi bandung..entah nape xse-excited last 2 weeks…dah cam malas nk alter itinerary,update hotel booking…otak aku only wedding preps..gilo.padahal tarikh pun xtau lg, duit pun xcukup lg.
  10. Hearhhtrob  dah macam let go off me to Bandung .in fact before this he freaks out macam aper je..Plus i want to buy some textiles and barang hantaran..Alang2 dah gi bandung kannn…Eiy ajak gi jakarta when times approaching( barang kawin jakarta lg worth it) tapi karang lari la budget wedding aku…..tengokla cmana

I heart this baju..di cilok dari misi5april

8 Small Financial Steps That Will Pay Off Big in the Future

Huge, scary numbers are lurking everywhere these days: The massive federal bailout (now on the taxpayers’ tab)…the unemployment rate, which is now at a 26-year high…that daunting sum you are constantly told you will need if you want to retire comfortably…the six-figure mortgage balance you barely chip away at each month.

Listen to me: Stop focusing on the big picture. Given what is going on in the world right now, you’ll only fuel your fear and anxiety.

Macroeconomics matter, but your security depends far more on microfinance—the small choices you make with your money. Every financial worry you want to banish and financial dream you want to achieve comes from taking tiny steps today that put you on a path toward your goals. My list of small moves that yield big dividends:

1. Save a Bit at a Time

I get so frustrated when people tell me it’s unrealistic to create an eight-month emergency savings fund, or have money saved for a home down payment, or pay off their $5,000 credit card balance. I am not suggesting that you can snap your fingers and have everything taken care of. What I’m telling you is to move toward your goals in steps. Rather than get lost in the big picture—”Eight months? Are you crazy, Suze? I can never do that!”—focus on what is within your power: the sums you can sock away every week or month to get closer to what you’re trying to achieve. Put $50 a week into a bank savings account earning 2 percent interest, and in three years you will have saved more than $8,000.

2. Have a Little Self-Discipline!

Okay, so where do you find the money to put toward your financial goals? If you’re dealing with a layoff or furlough, I know you feel stretched to the limit. But often when families tell me they have no money for their goals, I look at their spending and find lots of “wants” to cut. So pull out your three most recent bank and credit card statements, circle every charge or debit that is not a necessity, and ask yourself, “Can I eliminate this cost entirely?” If not, can you scale it back 30 to 50 percent (downgrade the cable, say, or opt for the less-pricey cell package)? Every time you cut expenses, you can put the money toward bigger goals.

3. Automate

So many financial dreams are thwarted by the failure to act upon good intentions. Even if you commit to step 2 and free up money, using it wisely can be a challenge. Complete this sentence: I had every intention of ___________, but I got sidetracked or couldn’t stick with my plan. That blank could be: (a) building an eight-month emergency fund; (b) investing in retirement plan ; (c) saving for a home down payment; (d) paying every bill on time; (e) all of the above.

The solution is easy: Put your financial life on autopilot as a form of “forced” saving. Your EPF is a great example of auto-investing; with every paycheck, money goes into your retirement account. You can set up the same system at a discount brokerage or fund company to help you invest in an any retirement plan, authorizing the firm to pull money out of your bank account weekly, monthly, or quarterly.

Autopilot is also a great way to save for a home down payment. Have $100 automatically transferred from your checking account to a bank savings account each month and in five years at 2 percent interest you could have more than $6,300 set aside.

And if you suffer from late-payment-itis, set up auto bill pay through an online bank account. This will save you those $39 late fees on credit card payments

4. Max Out on the Company Match

EPF participants, some don’t contribute enough to their company plan to collect the maximum employer matching contribution. That’s literally turning down free money. The way a match works is that if you contribute to your retirement account, your employer will throw in some money, too. One common system is for an employer to give 50 cents for every dollar the employee contributes to her EPF, up to a specified limit, such as 6 percent of a salary or a certain dollar amount per year. Under those terms, if the employee contributed $3,000, the employer would kick in another $1,500. Hello! That’s a guaranteed 50 percent return on your investment. And $3,000 spread out over 26 pay periods is only $115 every two weeks. That’s a small step toward a big goal.

5. Subtract Your Age from 100; Put That Much in Stocks

Now we need to talk about asset allocation. For all your long-term investments, such as retirement accounts that you won’t touch for at least ten years, you need a mix of stocks and bonds. Stocks offer the best shot at inflation-beating gains. But stocks don’t always go up. That’s where bonds come into play: They have less upside potential, but they also do not pack the same risk. So what’s your Midas mix of stocks and bonds? Subtract your age from 100 and invest that percentage of your retirement savings in stocks. The rest belongs in bonds. For the stock portion, put 70 percent in KLSE and the rest in international funds. As for the bonds: You should definitely have some lower-risk investments in your EPF, but rather than invest in a bond fund

6. Spend $50 a Month for Peace of Mind

That’s about what it would cost a healthy 40-year-old woman to buy a million-dollar 20-year level term life insurance policy; figure on less if you’re younger and more if you’re older. But the idea is this: A small amount of money buys your family protection if you die prematurely.

7. Create the Four Most Loving Documents in Existence

One of the most tragic disconnects I see is when someone tells me she loves her family to pieces but hasn’t set up these four must-have documents: a revocable living trust, a will, a durable power of attorney for finances, and a durable power of attorney for healthcare.

8. Add a 13th Mortgage Payment; Pay Off Your Loan Five Years Faster

If you’re in your 50s and plan to live in your current home forever, try to pay off the mortgage before you stop working so you remove that big cost from your postretirement expenses. One way to do so is to make one extra mortgage payment a year. You can even spread the payment over 12 months. Let’s say you have a $1,500 monthly mortgage payment and a 30-year fixed-rate mortgage. If you divide $1,500 by 12, that’s $125, so instead of paying $1,500, you send in $1,625 each month. That will cut your repayment time by five years and reduce your interest payments over the life of the loan; for a $250,000 mortgage charging 6 percent, you will save $61,000 ($228,000 in interest payments versus $289,000). That $125 a month may be tough, but it’s doable. It’s one small step now, and one giant leap toward future financial security.

From the October 2009 issue of O, The Oprah Magazine

ps: I edited some items to suits Malaysian’s scenario

Home Ownership Tips

Rule #1: If you’re buying a house, never let a mortgage lender tell you what you can afford

A lender makes more money when you borrow more money. And most lenders don’t really know everything about your finances; they just look at your income and do a quick calculation to tell you what they think you can afford. They don’t know anything about how much you’re saving for retirement or whether you want to help your kids financially with college.

You need to decide what you can afford to buy for yourself, based on your long-term goals. Always remember: The smaller your mortgage, the more money you’ll have for other financial goals.

Rule #2: If you’re buying a home, don’t be a pushover. In response to sharply rising home prices the past few years, lenders have been peddling all sorts of crazy types of mortgages. The worst, in my opinion, is a “negative amortization” loan, where the initial monthly payments are so low that they don’t even cover your true interest charges; the result is that your balance just keeps growing. Choosing the right mortgage is the key to having real home security.

Rule #3: If you own a home, protect your equity.

I know many of you have seen the value of your home rise a bunch over the past few years, giving you more equity in your home. And many of you have tapped into that equity by taking out a home equity line of credit (HELOC). This is not wise because it converts equity into debt (the HELOC that you must repay). I don’t recommend borrowing against the equity in your home unless it’s for an absolutely necessary expenditure like repairing the roof.

Rule #4: Pay in full.

If you are at least 45 and have no desire to ever move, start paying off your mortgage. The best security move is to get your mortgage paid off before you retire. Just tune out the people who say it doesn’t make sense to give up the valuable tax break that comes with a mortgage-interest deduction.

Most of the interest deductions happen in the early years anyway. Let’s say you have a $200,000, 30-year fixed-rate mortgage at 6 percent. Your monthly payment will be $1,199 a month—or about $14,400 a year—for 30 years. In the early years of the mortgage, you’ll pay mostly interest—at least $11,000 a year—so $11,000 of your $14,400 mortgage payment will be tax deductible. Now let’s jump forward 20 years: Your yearly mortgage payment is still $14,400, but your interest payment will not account for more than about $6,000. The bottom line is that your interest tax deductions decline the longer you pay your mortgage. But we’re not talking just about a tax write-off here: Nothing feels better than owning your home outright.

Besides, your mortgage is probably your largest monthly expense—so, if you get it paid off before you retire, you will have reduced the amount of money on which you’ll need to live during retirement.

Rule #5: Be realistic.

We all know that real estate was on a tear until very recently; in some parts of the country, home values jumped more than 20 percent a year. That is not normal, and it is not sustainable. I want everybody to read this very carefully: Over the long term, you should expect your home’s value to rise at a rate that slightly exceeds inflation. It’s a solid investment, but not one on which you should expect to retire. Don’t think that just because your home’s value has had a great run you don’t need to invest in your EPF. Be better prepared than that.

From the Spring 2007 issue of O, The Oprah Magazine