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| Monday, 19-Jun-2006 01:27 |
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mONEY iS nOT eVERYTHING.... BUT.... eVERTHING iS mONEY
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SALAM BUAT SEMUA..
speed is profit
......................
kata kat niki....
perubahan kecil membawa perubahan besar...
sesungguhnyer.. aku rasa sekarang aku seakan ringan
tanpa memikul tanggungjawab yang besar
aku bebas berlari dan mencari...
apa yang aku mahu
aku tahu.. kehidupan lama.. mengajar untuk aku lebih laju berlari
demi mengejar cita cita...
aku telah korbankan segalanya..
masa ... cinta.. rasa..
semuanya aku buat untuk mengejar hasrat cita..
aku yakin.. aku dijalan yang betul
kegigihan.. itulah rahsia kekayaan kita..
aku kena bekerja keras..
sales sales...
30k untuk this month..
harus menang... cabaran udang kak niki...
heheheh
alamak..
hari ini aku kena g Port Dicson plak..
tetibe je dapat berita nie..
memang lah aku geram gak..
tapi its okays..
simple to making decision...
aku nak kemas barang kat umah.,..
terus g Port dicson naik kete..
sangat la... boring bile kursus yang BPT buat..
menghabiskan duit kerajaan jer..
tapi... harus diingat.. ada.. hikmahnyer..
ok...
chow dulu yer..
p/s kak piah.... apa khabar?.. harap harap emosi stabil yer
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| Saturday, 17-Jun-2006 12:00 |
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KERJAYA menuntut pengorbanan
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salam buat semua..
pukul 12.04 minit.. aku dikejutkan ngan msg dari seseorang
yang berkata "ada mungkin hubungan ini akan putus"
ikuti luahan perasaan beliau......
| Quote: |
dear... syamputra...
aku redha..
kerjaya bagi aku adalah segala galanya sekarang
kini... orang yang tersayang pun...
tak pernah memahami..
kenapa aku harus hidup bekerja keras sehingga jam 12..
tak pernah pulak dia tahu bagaimana aku boleh bayar duit makan
duit parking
duit minyak
duit.... pakaian..
duit..... macam macam...
semua nyer... kerana aku bersengka mata..
membuat sales..
aku ingat.. bile aku buat kerje part time..
dia boleh memberi support... pada aku
TAPI.. malang nyer
tak macam tu...
terus terang aku katakan..
dia boleh HIDUP tanpa aku..
aku rasa.. dah tiba masa nyer untuk dia..
hidup sendiri
tahu menghargai pemberian orang lain
menilai nilai duit itu..
sebenarnya air mata aku dah tak berbendung lagi...
aku sedih..
tapi sebab aku.. tahu..
aku berasal dari mana..
aku tak pernah malu untuk bekerja sebegini..
BIARLAH... apa yang berlaku..
aku masih punya keluarga..
CINTA yang sementara..
tak boleh memberi makna apa apa...
hanya merugikan...
dan cuma sedikit memberi bahagia..
aku sebenarnya.. sedang mencari lagi..
siapakah yang sudi.. untuk hidup susah dan senang bersama..
apa apa pun..
kehidupan perlu diteruskan..
TIME IS MONEY>>>>>>>>
SPEED IS PROFIT>>>>>>
go for it..
ku dah malas.. nak bayar makan untuk 2 orang
lepas nie.. makan untuk seorang..
belanja untuk pinggan satu lagi tu.. aku invest..
aku rasa.. keputusan aku tak silap..
aku dah puas bagi peluang untuk diri aku...
tapi aku rasa.. semua hampa..
aku mahu BEBAS...
sebebas.. mata dan mulut juga apa sahaja..
aku tak mahu ikatan lagi.. |
p/s.. nasihat aku.. agar member aku nie.. bersabar dan cuba berfikiran positif
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| Tuesday, 13-Jun-2006 12:00 |
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salam buat semua... kerinduan tak terbendung
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salam buat semua..
hari nie memang malam betull..
pagi pagi lagi dah ala ala ketus kontreversi..
tapi kenapa yer
aku cool je..
sekarang aku bangga kat diri aku
bile jadi apa apa je..
aku memang cool
tenang
last last berbaik kembali hubungan yang retak sekejap
ye la..
mis komunikasi
hmmmmm
aku sebuk nak atur stategi nak buat sales.. nie..
bile berbual ngan flora.. memang macam macam idea timbul..
ok
aku nak jalankan projek pertama dulu...
betul la... aku dah nampak jalan tu..
aku kena yakin
positif... dan bersemangat
aku kena ingat..
kejayaan adalah ciptaan.. bukan nasib..
salam buat semua...
semoga ceria hendaknyer....
p/s.. selamat hari jadi kak nora..
anak pun dah 3 orang
setiap tahu seorang
tahun nie.. dapat lagi ke?
ehhehehe
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| Tuesday, 13-Jun-2006 12:00 |
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salam buat semua... kerinduan tak terbendung
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salam buat semua..
hari nie memang malam betull..
pagi pagi lagi dah ala ala ketus kontreversi..
tapi kenapa yer
aku cool je..
sekarang aku bangga kat diri aku
bile jadi apa apa je..
aku memang cool
tenang
last last berbaik kembali hubungan yang retak sekejap
ye la..
mis komunikasi
hmmmmm
aku sebuk nak atur stategi nak buat sales.. nie..
bile berbual ngan flora.. memang macam macam idea timbul..
ok
aku nak jalankan projek pertama dulu...
betul la... aku dah nampak jalan tu..
aku kena yakin
positif... dan bersemangat
aku kena ingat..
kejayaan adalah ciptaan.. bukan nasib..
salam buat semua...
semoga ceria hendaknyer....
p/s.. selamat hari jadi kak nora..
anak pun dah 3 orang
setiap tahu seorang
tahun nie.. dapat lagi ke?
ehhehehe
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| Saturday, 10-Jun-2006 12:00 |
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Sejuta Harapan Telah daku Visualize....
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salam buat semua..
sekian lamanyer syam tak notakan perjalanan kehidupan ini..
maklumlah.. bercuti panjang
syam pun sedang busy menyusun langkah langkah perjuangan sebagai consultant..
sbb mutual mungkin... dan kini pasti boleh menjadikan cita cita syam berjaya..
syam memang dah lama bercita cita..
bukan bercita cita nak kerete besar atau rumah besar
tapi nak bagi keselesaan pada emak ayah ngan kak long serta family syam..
tak nak lagi mereka susah..
dah dua hari syam berjuang..
akhirnya berjaya sales 11 ribu..
oOOooOooo
lepas nie kena banyak lagi usaha..
maybe boleh buat 250k yang diharapan..
dr niki.... satu idola yang bukan untuk dipuja tapi perlu contohinyer..
hmmmm
pagi nie ter tengok plak sweden lawan tabago..
hmmm
permainan Okays je..
sepatutnya nyer sweden boleh makan.. tapi malangnyer.. kesudahan tak ada..
so.. pengajaran daripada itu..
kita kena closing.... dengan apa juga method..
esok g puchong kot..
closing regular saving
oppss..
ini ada artikel kat internet..
boleh baca... sikit..
| Quote: | Questions that I asked my friends before they start any Unit Trust Investment.
Do you have any savings?
Do you have any savings?
Do you have any savings?
What is your objective for investing?
You will need to have a sizeable amount of savings before you can get on board with Unit Trust Investment. Why? Simply because Unit Trust Investment is all about medium to long term investment period. You will not be able to see or to use the money until:
The managable target has been met
Period of investment has been satisfied
FYI, Unit Trust Investment is very liquid; meaning that you can take out the money at any time. There is no maturity. But in order to profit from Unit Trust Investment, you will have to let time do the work for you and make sure the target has been achieved.
Usually, I will always advice my fellow friends on the Regular Savings/Investment method where a certain amount (min RM100) of money to be deducted automatically from their bank account to be put into the fund(s) that they have chosen. Thus this will make them automatically follow one of the proven strategies; regular investments.
Then, I will tell them to ignore this investment for 5 years.
In 5 years you will be able to get time to work for you in Unit Trust. If, and I mean, IF within 5 years that the person decides to stop investing, the cycle will have to start back. This is how serious the strategy is.
By automatically deducting an amount from the bank account to be invested somewhere, he/she is actually forcing him/herself to save and invest at the same time which is like killing two birds with one stone. This is consider to be filling up the Fixed Savings Account.
So, do you have any savings?
Get them to grow before starting an investment with Unit Trust
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| Friday, 9-Jun-2006 12:00 |
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HUKUM WANG DIVIDEN DAN BONUS ASB
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artikel nie.. memang meletopp..
[quote]" Assalammualaikum Kawan-Kawan dan Salam Sejahtera....
Saya ada satu berita nak inform kat kengkawan, tentang Financial Freedom untuk hari tua..... Mungkin ramai yang dah tahu atau tidak tahu yang simpanan EPF kita boleh dilaburkan di dalam Saham Amanah (Unit Trust)... seperti yang semua tahu, Dividend yang EPF bagi dari tahun 1982 hingga 2003 dalam purata dalam 7.33%, so approximate dalam 7-8%, tapi sebenarnya kita boleh diversified simpanan EPF kita dalam Unit Trust yang boleh beri keuntungan 10% setahun termasuk free insurance.... kan ke untung tue, tak payah nak beli insurans.... kalau nak refer Unit Trust yang saya nak terangkan ni bolehlaa baca di www.sbbmutual2u.com.my, untuk pengetahuan, SBB Mutual merupakan Unit Trust yang pioneer dalam bidang nie dan telah terima banyak anugerah diatas kecemerlangan prestasinya.
Pelaburan yang ini tak memerlukan kita keluarkan duit sebab kita boleh laburkan dari Simpanan EPF dan segala keuntungan akan dimasukkan kedalam EPF, bila dah umur 55 barulah boleh dikeluarkan.... Simpanan yang digunakan adalah dari Akaun 1 jika dah lebih dari RM 55,000.00.... Ini sebabnya RM50,000 kene reserve kat EPF, lebinya hanya boleh dilaburkan sebanyak 20% one time... boleh diulang selpas 3 bulan.... rasernya pada kawan-kawan yang baru pegi induksi haritu pon ada dengar wakil EPF cakap boleh laburkan duit EPF.... cuma kena pilih institusi yang sesuai.... pada yang telah melabur dengan institusi kewangan yang lain, boleh cuba SBB Mutual pula selepas ini, sebabnya anda sendiri yang akan menilai kelebihan keuntungan yang diberikan SBB Mutual berbanding Unit Pelaburan lain....
Pada yang berminat bolehlaa tanya pada saya melalui email syamputra@yahoo.com (012-399 3947) - syamputra[/quote]
http://www.e-fatwa.gov.my/mufti/fatwa_search_result.asp?keyID=1155
[quote]Kategori : Muamalat
Tajuk :
HUKUM WANG DIVIDEN DAN BONUS ASB
Isu :
Jawatankuasa Perunding Hukum Syara'(Fatwa) Negeri Selangor telah menerima surat daripada seorang hamba Allah daripada Tanjung Malim yang bertanyakan berkenaan dengan hukum wang dividen dan bonus ASB dengan soalan seperti berikut :
1.1. Adakah wajib dikeluarkkan zakat daripada wang bonus dan dividen ASB.
1.2. Bolehkah wang tersebut digunakan bagi menunaikan Fardhu Haji Ke Tanah Suci Mekah.
Maka Jawatankuasa Perunding Hukum Syara' (Fatwa) telah diminta memberikan fatwanya mengenai permasalahan tersebut.
Keputusan :
1. Ahli Jawatankuasa Perunding Hukum Syara' (Fatwa) telah membincangkan perkara di atas dengan penuh teliti dan panjang lebar dan mengambil keputusan seperti berikut :
1.1. Zakat Daripada Wang Bonus Dan Dividen ASB
Keputusannya :
" Wang bonus dan dividen yang diterima daripada hasil pelaburan ASB adalah tidak diwajibkan zakat kerana pelaburan bercanggah dengan hukum syara' "
1.2. Bolehkah wang digunakan pergi menunaikan Haji ke Tanah Suci Mekah
Keputusannya
" Ahli Jawatankuasa yang hadir bersetuju memberi pandangan bahawa oleh kerana pelaburan ASB pada masa ini, terdapat pelaburan di tempat-tempat yang bercanggah dengan hukum syara', maka ia tidak
diharuskan sehingga pihak ASB membersihkan dan tempat-tempat tersebut.
Ahli Jawatankuasa Perundingan Hukum Syara'(Fatwa) yang hadir bersetuju memberi pandangan bahawa. oleh kerana pelaburan ASB pada masa ini terdapat pelaburan di tempat-tempat yang bercanggah dengan hukum syara'. maka ia tidak diharuskan sehingga pihak ASB membersihkan dari tempat-tempat tersebut.
[/quote]
http://www.e-fatwa.gov.my/mufti/fatwa_warta_view.asp?keyID=756[quote]
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| Thursday, 8-Jun-2006 12:00 |
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Cube baca nie...
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http://al-ahkam.com.my/home/index.php?name=MDForum&file=viewtopic&t=29557&postdays=0&postorder=asc&start=0&sid=222b5834885ab50462efc5871802de36
| Quote: | Setelah membuat kajian di ASB , maka jawapan yang paling tepat untuk soalan ASB adalah seperti berikut :-
Ia adalah haram dan tidak sah seratus peratus, seluruh dividen hasil ASB juga tidaklah sah di sudut syara' kerana sebeba berikut :-
1) Pelaburan ASB iaitu sebanyak 37.30 % ke Maybank ( perbankan Ribawi yang haram)
2) Commerce asset holdings berhad ( KOnvensional) - 1.11 %
3) British American Tobacco berhad 1.07 %
4) Malaysian National Reinsurance Berhad - 0.89 % ( insuran konvensional)
justeru, jika menurut ukur rujuk (benchmark) peratusan pelaburan haram dalam sesbuah syarikat yang dibuat oleh Majlis Penasihat Shariah Suruhanjaya Sekuriti , ( rujuk keputusan Majlis Penasihat Shariah SC). Maka jumlah di atas sudah menjadikan pelaburan haram menguasi dana pelaburan ASB. ini menyebabkan nya menjadi haram" |
http://www.tualangenterprise.com/benefit.htm
| Quote: | 1st BENEFIT IS AN INVESTOR with SBB
List of Benefit as an Investor:
There are more than nine (9) benefits available as compared to other investments. (See also methods of investing in SBB below)
1. Develop saving habit for future needs for your children college/education, emergencies, etc
(See also Method of Investing/Saving in SBB)
The Chinese says, " Once you take of the money, then only money will take care of you"
2. Maximize return from EPF (3) –Long term
3. Diversification is available due to Size of each fund (> RM5 Million) / No of Funds availability (26 + 2), etc
4. Liquidity is low - Can cash out the money within 3-6 working days
5. Affordable - Low investment, Dana Al-Ihsan, Min RM500 (1st Investment) & RM50.00 (Subsequent Investment) once money is avai or use monthly AUTODEBIT/SI
6. Accumulation returns over a long time.
7. Professional management Fund Managers/CFP/TRUSTEES
8. Able to invest in 100% Islamic funds and being supervised by Profound Islamic Panel Advisors (Investing in Islamic potfolia is no longer an Option - Must) SEE available list
9. Double up the return from current SA/FD/Tabung Haji/EPF – Long term
Notes: There is some risk available once investing in unit trust as compared to others as the term
SEE "High risk high return"
METHODS OF INVESTING IN SBB unit trust
Method of investments available in SBB
1. Single Sum Investment Plan/CASH (Individual/Corporate)
(Cheque/MO/BD payable to SBB - Not to Sany’s Account/No Cash) Question
"I have just working for less than five years, of course I do not have enough money in EPF. Can I still participate in the investment?"
Investment thru EPF scheme is one of the six ways to invest as below: See also Calculations
2. Regular Monthly Investment Plan (Individual/Children/Corporate)
3. Auto-debit Saving Plan (BSN/SBB/MAYBANK/EON/RHB)
(See the detailed on schedule)
4. Loan Financing Plan (SBB/RHB) – Not advisable
5. Regular Withdrawal Plan (RWP)
6. The most popular
EPF Investment Scheme Plan Account 1 >= RM55K, Min 50K
(20% of 55- 50 = 5, 20% x 5 = RM1K, every 3 months)
7. Diversify ( Click here for detail ) your investment from ASB, Tabung Haji, FD, etc |
http://www.highbeam.com/doc/1P1:48680278/Proposal+to+allow+more+EPF+members+to+invest+in+unit+trusts,+BUSINESS+TIMES.html?refid=SEO
http://www.highbeam.com/doc/1P1:47959354/%60EPF+members+can+gain+more+with+unit+trusts,+BUSINESS+TIMES.html?refid=SEO
http://www.kwsp.gov.my/index.php?ch=81&pg=132&ac=2138
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| Tuesday, 6-Jun-2006 12:00 |
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pasal EPF
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| Quote: | More EPF Members Invest In Unit Trust
A total of 42,800 Employees Provident Fund (EPF) members invested a combined RM461 million in unit trust and other approved instruments under the Members' Investment Scheme in the first three months of this year.
Unaudited first quarter (Q1) performance statistics released by the EPF showed that the number and value of withdrawals for investment purposes increased by 12 per cent and 27 per cent respectively as compared to the last quarter (Q4) of 2003.
"The increase, both in number as well as value, is indicative of a strong economy, leading members to opt to invest on their own," said Datuk Azlan Zainol, Chief Executive Officer of the EPF.
A total of 187,600 withdrawals valued at approximately RM3.6 billion was made in Q1 2004. The breakdown is as follow, Age 50 (22,100 withdrawals at RM457 million); Age 55 (30,100 withdrawals at RM1.4 billion); Housing (51,200 withdrawals at RM656 million); Investment (42,800 withdrawals at RM461 million); Education (5,700 withdrawals at RM37 million); Pensionable Employees and Optional Retirees (26,900 withdrawals at RM326 million) and Others (8,800 withdrawals at RM211 million).
In Q4 2003, there was a total of 168,400 withdrawals with a value of RM2.7 billion.
Despite the increase in withdrawals, the EPF's cash flow remained very healthy, with contributions for the quarter reaching RM5.9 billion, an increase of 16 per cent over the RM5.1 billion recorded in the last three months of 2003. The increase can be credited to bonus payments made by employers.
Membership for the quarter under review increased marginally to 10.5 million, and there was a corresponding rise in the number of employers which stood at 359,000.
For the period, the EPF processed and approved over 99 per cent of age 50,55 and housing withdrawal applications within 14 days.
As at March 31, 2004, the EPF had invested RM222.4 billion in various instruments such as Malaysian Government Securities (MGS), Loans and Bonds, Equities, Money Market Instruments and Properties.
These investments earned a gross income of RM2.6 billion for the quarter, with MGS, Equity and Loans and Bonds being the main income generators. MGS contributed RM1.2 billion, Equity RM371 million and Loans and Bonds RM858 million.
About the Employees Provident Fund (EPF)
The EPF is Malaysia's national provident fund which aims to provide financial security for its members' retirement purposes. The fund is committed to preserving and growing the savings of its members in a prudent manner in accordance with best practices in investments and corporate conduct. Its services are also being improved with focus on people skills, processes and procedures.
The EPF will continue to play a catalytic role in the nation's development, consistent with its position as the largest social security organisation in Malaysia.
Date: 22 June 2004 |
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| Thursday, 1-Jun-2006 12:00 |
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W蝆ㄒ蝂ㄒ緆 綖緀m綟綧綖緎綟
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W蝆ㄒ蝂ㄒ緆 綖緀m綟綧綖緎綟
tetibe je tulisan cina
aku main amek je dari mana ntah..
nampak cantek..
boleh buat hiasan.....
sbb... sbb... sbb
http://www.kwsp.gov.my/index.php?ch=81&pg=132&ac=6345
| Quote: | Unit trust in Malaysia have the history back in 1959 when the first unit trust company called Malayan Unit Trust Ltd was formed.
First of all the general benefits in unit trust is you can save so much time to keep up to date with market information because of your money is manage by professional fund managers,diversification which mean you can spread your risk,little initial amout to invest,easy to buy and sell and likely to be charge with less brokerage fees.The main benefit is unit trust fund always make you profitable significantly higher.
Types of unit trust in Malaysia:
1)Equity Unit Trust
2)Property Trust
3)Islamic Unit Trust
4)Balanced or Diversified Unit Trust
5)Speciality Unit Trust
Before put your money into unit trust you must know how much fees will be charge on you.The Unit Trust Company is allowed to charge you 3 types of fees(Initial service charge,repurchase fees and management expense)
Make sure you know the history of the fund performance.(the information rarely available in the companies website but could be found in the independant website such as malaysian business,bloomberg,star online and others.
Another important things to alert is the risk which you take(make sure how much money you willing to lose)
because the basic investment lesson is the more chances to make money mean the more chances to lose it.
There are many choices in Malaysian Unit Trust with many bank and big companies participate in setup their own funds.But when you want invest in unit trust as individual investor it is usually for you to deal with unit trust agent or unit trust consultant or financial planer or whatever they call theirself.So here is the big trick because you must know that the person dealing in unit trust (PDUT) is havinge their life with their sales volumes.That is mean the PDUT almost certainly to persuade you to buy as much as possible.
Advices from me is check whether the PDUT is licensed or not to avoid scam(they should have authorised card issue by Federation of Malaysian Unit Trust Manages(FMUTM),ask as many question as you need from the agent and get the second opinion from friends or relatives especially from those who are already invested and it is best to do some research about the company and types of fund you plan to invest in.
You must know a lot of fund usually offer high profit if you hold it for quiet long time of period(ex:3 years).That is also mean the money you use to invest must not be touch for that time.
In short i can say Malaysian Unit Trust still not achive its highest amout it should be compare with developed countries.So happy invest and dont forget think before invest.
Today i will tell you how to become unit trust agent.
As long as you are Malaysian ,21 years old and have SPM Certificate you are eligible.You only can operate in one of the unit trust company.
Most important thing before you start your career or your part time job by selling unit trust products you must choose the unit trust company which have god track record so in the future you will not hear complaint from your customer.But its not easy to spot the best one especially if you are newcomers.DONT WORRY simply choose unit trust company who already have big name in industry.Such as MAAKL Mutual,Alliance Unit Trust,Public Bank Unit Trust,ING,ASM Mara and a few others.(note:some of them may require additional things apart SPM).
Its almost hassle free for you to join anyl unit trust company in this country.WHY?
Because the company will make money upon your commencement as their agent.
Unit trust bussines here always using a Multi Level Marketing(MLM) style.Thats mean you are likely to be recruited by senior agent.The higher level agents who was recruited you will earn some portion of you sales volume.Now you know why the more agents the better.
What to avoid?
Dont be unit trust agent for state fund unit trust.These fund manager always have very bad record in dividend payout.You can find some states goverment in Malaysia have their own unit trust product.
How much to pay?
You are require to pay some amout of money depend on which company you join.(arround rm 150 to rm300).Usually its include you registration fees,exam fees and your starting kits.
I stated above about exam,what is that?
Yes,before you can accept as unit trust agent you must sit and pass the exam conduct by FMUTMThe company will arrange this exam for you once they received your payment.Its not like the exam that you need to study hard to pass.Just about the basic knowledge in unitrust and its by multiple-choice questions.
How to apply?
Simply call any unit trust fund managers office and mention your intrest to join them.They will be happy to assist you |
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| Monday, 29-May-2006 03:52 |
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sAKIT pINGGANG lAGI
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HMMM
hmmm
pagi nie terbabas lagi bangun nak kerje..
nasib lah call opis
leh mintak opis
lagipun pinggang aku nie dah kembali sakit
elok benor la aku MC
tapi bile call boss
aku dok janji nak datang keje kul 11 pagi
nak key in markah students..
so.. bile datang
aku terus print markah.. pastu pergi ke bilik UPP
hmm
tak der orang plak..
kira oklah..
aku pun patah balik ke bilik dok meluang kan masa nak up date fotopages..
semalam sampai kul 3 pagi start kul 8.. tak abis abis gak paper aku nak menanda
boleh demam la menanda paper bebudak nie..
hmmm
sampai ke sudah kul 9.. aku bangun terus menanda..
nasib ada nazri.. tolong aku nanda objektif tapi dalam 10 skip je.,.
dia dok tolong total up the marks and aku terus la.. balik
sampai umah
aku check kete aku ala ala ada calar plak kat belakang bonet
hmmm
aku senyum je
benda nak terjadi
aku kena lebih sayang kete myvi nie
balik keje nanti.. sure aku akan basuh kete tercinta ala ala bini number 1 aku..
ok..
sekarang aku nak ke klinik.. nak mintak obat sakit pinggang
pastu nak mintak ubat pening kepala..
sekarang aku jauh beza..
walaupun macam 2 tekanan
aku masih boleh tersenyum
kat kepala aku kena ingat
aku nak kerje keras..
aku tak nak mak ayah aku kerje jaga budak lagi
aku janji.. aku nak kerje kuat
dapat 100 ribu per month.. sales..
aku boleh bagi mak aku bulat bulat RM 1000.00
memang aku akan jadikan realiti..
hmmmm
semalam af..
kira best jugak..
aku suke kat suara haziq.. tak sabar nak tengok dia nyanyi lagi balada plak..
farhan pun best gak...
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