PTPTN Ujrah lagi??..just a comment..

sedikit komen tentang PTPTN......
harituh aku ade terbaca ada org buat conclusion -ve yg panjang lebar tentang Ujrah 3% -> 1%
dia kata lagi mahal dari asal...dan based on that artical ramai yg mula bimbang...
tp lepas aku review komen tu aku rasa dia dh buat byk silap dlm pengiraan dia..aku rasa x logik..

math modern 3% -> 1%
example aku abes blajar 2008, pinjaman 14000 dan amek masa 15taun...
dulu aku kene utk pentadbiran 3% x 14000 x 15taun = 6,300 tambah pinjaman = RM 20,300 in total
sekarang aku kene pentadbiran 1% x 14000 x 15taun = 2,100 tambah pinjaman = RM 16,100 in total

dulu bayar ikut table mula2 bayar sikit..kalau mcm aku 10 taun terakhir bayar fix dan byk..
sebab awal2 gaji ciput lagi..x larat byr byk..

by default sistem baru nih kene byr flat rate..
sekarang bayar flat rate jauh lg murah dari fix 10taun terakhir aku..
maybe bagi yg rasa berat boleh buat permohonan kat PTPTN utk bayar ikut table.

Masalah yg aku nampak sekarang nih ialah...kalau dari 2008(my case) aku bayar ikut table jumlah yg terkumpul
sekarang nih rendah dari bulan terkumpul kalau bayar flate rate..
aku call PTPTN harituh..tp operator dia mcm x confident je..tp dia kata adjustment akn dilakukan oleh sistem..
so 2 possible solutions yg leh aku assume ialah
1 - total pinjaman tolak accumulate total yg aku dh byr bahagi 15taun = new flat rate..
2 - reduce total bilangan bulan : (jumlah bulan)- (total dh bayar / flat rate) = total bulan utk pinjaman

dua-dua pon pd aku ok...
tp kenapa diorg tu turunkan..aku rasasebab...
1 - hutang PTPTN dh berbilion2...mcm2 dh buat tp x ada effect...peminjam pon tah ke mana..
so nak trace back maklumat peminjam..dgn offer turun + batalkan balik restriction x leh keluar negara mayberamai yg akn try apply...
2 - Nak dpt kan maklumat company utk tolak gaji bulan2...salah satu cara gak utk elakn kerugian PT bertambah..

so pd aku nih win-win situation..kecuali procedure nak apply nih mcm cilake...
k lah tu, nak apply scholar x layak..
PT je ler mampu,dh pinjam kene ler byrkan?..hehe

ape aku tulis nih on da spot..
maybe ade flaws dont take it seriously kalau ade mistake keyyy..^^

Your Reaction Can make a different

10% of life made up of what happen to us
BUT 90% is decided by how we react …

We have no control over 10% of what happen to us
We cannot stop our car from breaking down.
We cannot stop flight delay.
We cannot stop driver cut us off in the traffic.

We have NO control over 10%.BUT the other 90% is different
WE can determine by OUR reaction!


You are having breakfast ….
Your daughter spills coffee onto your shirt.
You have no control over what has happened.
What happen next depend on how you react!

~1~
You scold your daughter,She breaks down in tears.
Then, blame your wife for mis-placing the cup.

A verbal battle follows.Rush up to change shirt.
Your daughter still crying,not yet finish breakfast .
She misses the bus.
You rush to drive her to school.
You drive over speed limit,got summon from traffic police.
Arrive at office 20 minute late.
Then realize forgot your briefcase.
Your day has started terrible,
seems to get worse and worse.

Go back home, some problem
with you wife and daughter….


Why did you had a bad day?

A) Did the coffee cause it?

B) Did your daughter cause it?

C) Did the policeman cause it?

D) Did you cause it?

The answer is ………..?


You had no control over what happened with the coffee.

How YOU reacted in the 1st 5 seconds
is what caused your bad day!

Here is what could have
and should have happened.


~2~

Coffe splashes over you.
Your daughter is about to cry.
You gently say:
“It’s okay, honey, please be more careful next time.”
You calmly go change your shirt, grab your brief case,
come back in time to send off your child getting on the bus.
You drive to office as usual and arrive just on time.


Two different scenarios.
Both started the same.
Both ended different. Why?
Because of how YOU reacted.
YOU really no control over 10%
of what happens in your life.
The other 90% is determinedby YOUR reaction

Panduan yg x best utk PTPTN - Tukar Bunga Pinjaman 3% -> 1%

Bende nih mungkin dh agak lama..tp still ramai lg yg blom wat2 lagi...oleh kerana aku dh siap hantar ke PTPTN so aku nak cerita sikit la mcm mana aku setelkan menatang nih

prosess dia agak mencabar kesabaran jugak la trus terang aku kata...mcm x ikhlas je nak bagi turun jadi 1%...patut aa org suka gelarkan PTPTPU...opsss jgn lebih2 kutuk kang x leh kluar negara la pulak sebab nama kene blacklist..haha

basic step 1st skali p la register kat laman web dia nih http://www.ptptn.gov.my/gateway/ujrah.jsp...korang nak arapkan dia daftarkan ko jgn harap ler..

lepas daftar akan dapat email mcm nihDah setel??...jgn mimpi ler..dlm email tu ada satu klik sini...kenelah click sana dan kemaskini semua maklumat diri,penjamin 1 and 2 dan maklumat company...perghh ade udang disebalik mee nih..mesti nak potong gaji sebab ramai yg x bayar..pastu pancing nak kasi turun 1%..pandai2..haha...
pastu dia kasi satu email penuh dgn detail yg korang mskkan..dan bagitau sedang diperoses...

Dan nak dekat 2 BuLaN lepas tu baru lah dapat email dari dorg bersama Attachment yg perlu ditandatangani oleh byk Pihak....jem betul la,dh le kene sain byk helai pastu kene mintak sain ketua kg. pulak...tension tol aku...utk contoh borang korng leh d/l kat sini..

http://www.megaupload.com/?d=YU62K89S

tp borang dia dh siap ada nama..so nak tak nak korang kene jugak tunggu reply dari PT oh PT..utk dia generate borang yg nama korang...

Opsss...aku lupa dlm tu kene wat stem hasil..2 kopi =RM20....kluar duit lg..pt oh pt..
lepas buat muka 20sen mintak autograph org,korang boleh la menghantar surat tu ke PTPTN...

so selepas semua usaha yg aku buat nih,kalau PTPTN reject surat aku tu memang aku baling mercun Abom dlm pejabat dia nanti...

Superman kah saya? or heroes?

Lately aku kerap terkene renjatan elektrik yg kecik bila tangan aku tersentuh besi,laptop or electronic device punya body..
dalam hati aku pikir..ade super power ke aku nih?..tapi lepas google pasal menatang nih kecewa gila aku...

bende nih sebenarnya..... electricity Static Discarge or ESD hasil daripada charge yg tidak sama (or positive and negative)di antara 2 benda.
contohnya bila body kita generate byk statik charge due to geseran ke,or anything..dia akan discharge kan pada something.

brapa byk kene bergantung pd charge yg digenerate oleh body kita..
kalau x silap aku senang nak jadi pada tempat yg kering dan sejuk..kalau korang suka jln seret kaki ke,suka gesel2 bdn ke(gesel2 dgn kucing aku x sure ler), pon ade kemungkinan akn kerap kene gak..

skrang jepun tgh sejuk gila..so lagi kerap la aku terkene bende2 mcm nih..siap ade sekali tuh meletup kecik lagi.."clack" bunyi dia...mcm tersedar dari mimpi yg lena pon ade gak bila kene..
aku ade dgr gak some solution utk bende2 nih..tp dalam banyak2 solution tolong aa jgn beli gelang AC Mizal yg menipu tuh..
yg x boleh blahnya siap nak dpt datuk lg jual mende tu..padahal dh terbukti scam..harga x logik langsung..

kat sini aku ade google tips2 utk reduce ESD nih..renung2kan lah dan selamat beramal...

#
1
Limit contact between moving bodies. Items collect static charge when spare electrons (trapped by a lack of conductive outlet) are collected or "swept up" by a passing body. Creating lots of friction--say, by rubbing your hands on something or dragging your feet along the carpet--encourages static electricity buildup.


2
Put a cotton layer between materials that tend to hold static electricity. Paper, plastic and synthetic materials are efficient generators of static electricity. Hair, clothes and shoes are well known producers.


3
Experiment with different soles to reduce your shoes' take-up of charge from synthetic carpets. Spray the carpet with an anti-static agent available from carpet suppliers.


4
Wet your hair slightly before styling, and use a modern hairdryer with a built-in ion emitter (these reduce static buildup).


5
Increase humidity. Static effect is increased in environments of low humidity. Buildings using air-conditioning, high levels of heating, or those with a lot of insulation can have low humidity.

* Install a humidifier in your building.
* Install a radiator-hung water container to increase humidity.
* Open a window.


6
Ground the static by touching a grounded appliance, wiring a ground circuit, or by applying a neutralizing charge. Static accumulates in areas where the charge cannot escape.

7
When working with sensitive electrical components or volatile materials (such as papers/powders/flammable liquids) sparks and electrical discharge can cause catastrophic failure in sensitive electrical components and ignite volatile substances. Take steps to eliminate them:

* Wire work surfaces to grounding points. Resistive "Touch Me First" grounding pads let users drain off any static charge they've accumulated without causing a spark or a shock.
* Wear static control wristbands, which are wired to grounding points (Do NOT wear them when working on CRT [Cathode Ray Tube] televisions or computer monitors. More than a few people have been killed when the strap touched a main capacitor).
* If nothing else is available, touch a grounded metal object once in a while to remove any charge from your body. Touching a water tap works extremely well. {as does touching a corner of a wall where there is metal stripping under the plaster.} <- These moulding strips are not always grounded!
* Professional devices are available that control static electricity by use of alpha-emitting devices containing Polonium.

Pelawak yg Underrated

Koleksi Bob kuman yg aku minat...
Dozo~~~






lawak adalah bende yg subjective...
maybe lawak yg pecah perut leh wat org kecut perut..
tapi kalau dari nak buat perut gemuk ke perut kurus tu payah sikit ler..lol

Official :Cassano masuk Milan, Ronaldinho almost out..

Troublemaker, Antonio Cassano joins AC Milan from his former club Samprodia...
Tak tau la apa akan jadi pada AC Milan but one thing for sure things won't go smoothly..
mempunyai bakat besar dan di 'rated' sebagai promising yongster during his young day..
tapi mempunyai sifat panas baran dan tidak mempunyai disiplin membuatkan dia tidak mencapai tahap terbaik dlm bola sepak...

Walauapa pon aku still sokong AC Milan, dan Milan sekarang berada di Platform yg terbaik untuk menjuarai Serie A...
dan ini aku punya formation pilihan utk baki musim ini....


p/s - Ronaldinho dikhabarkan akan keluar dari AC Milan selewat2 nya hujung musim ini..
tp most likely maybe dia akn chow dlm bulan nih...

transfer window will open until end of this month...


Froza Milan!!!!!!!!

Asian Cup : Player Review - Shinji Kagawa

Rising star from current bundesliga leader Dourtmund, brought last summer from second tier of Japanese league for a mere €350,000. he's the biggest bargain this season by scoring 12 goals in all competition with just only 26 games as a midfielder...

I noticed his talent at early stage of the season but never imagine he would make immediate impact in german soccer scene. He got high pace, high quality touches, can easily draw a foul and has high accuracy in shooting that have been proven by scoring 12 goals in all competition...

Gensrul sama's prediction is he gonna be big Star in this tournament. mark my word...forget about honda,pak ji sung or anyone else..he already star in making at europ league..
his weakness is that i think he still lack of confident on the field and not asking for ball more often..if he can overcome this weakness for sure he gonna be big star of this tournament..

You can watch his highlight of this season HERE
p/s- aku still sokong Japan eventho aku benci boss2 jepun kat kilang aku...haha