Betul ke Murah?
01 September 2010
Pendapat saya senang je. Anggaplah nilai sesuatu barang yang kita beli sama dengan apa yang kita bayar atau pun dengan harga yang kita anggap wajar, bukan dengan harga sebelum diskaun. Senang cerita.
Awas Jualan Murah
Oleh NURUL AIN MOHD HUSSIN
Perbandingan harga yang agak 'melampau' sebelum dan selepas jualan promosi. Perhatikan tarikh yang tertera pada kedua-dua label.
MUKADIMAH:
JUALAN murah, harga runtuh, tawaran potongan harga 50 hingga 80 peratus, di pusat membeli-belah sering mendapat perhatian yang menggalakkan daripada pengguna terutamanya golongan wanita yang gemar berbelanja sakan.
Persoalannya adakah jualan murah ini benar-benar wujud atau ia sengaja digunakan oleh peniaga untuk mengaut keuntungan lebih-lebih lagi menjelang musim perayaan seperti sambutan Hari Raya Aidilfitri yang akan disambut oleh umat Islam di seluruh negara kurang tiga minggu lagi. Ikuti laporan khas wartawan Mingguan mStar mengenai penipuan jualan murah yang diibaratkan sebagai ‘duri dalam daging’ terhadap masyarakat di negara ini.
Kesimpulan mudahnya ialah, pengguna ditipu oleh pihak penjual yang tidak bertangggungjawab kononnya mereka menerima harga diskaun yang sangat menarik sedangkan pembeli membayar harga asal produk yang dijual itu.
Itu baru satu contoh barangan, sedangkan terdapat ribuan produk yang dijual di situ dengan tawaran potongan harga bagi menarik perhatian pembeli yang tanpa disedari mereka sebenarnya terpedaya.
Bayangkan keuntungan yang diperoleh peniaga sekiranya taktik serupa dilakukan setiap kali promosi jualan.
Tiada siapa yang menyangka, penipuan licik seperti itu didalangi oleh pusat membeli-belah terkenal, bukannnya gerai di pasar malam atau di tepi-tepi jalan.
Merasakan dirinya tertipu dengan potongan harga yang disifatkan tidak masuk akal, seorang pengguna prihatin, Khairul Nizam Abd Maulud, 34, tampil mendedahkan perkara tersebut kepada Mingguan Mstar baru-baru ini.
“Saya sangat kecewa dengan penipuan yang berlaku. Selalunya saya akan semak tanda harga sebelum diskaun. Tapi pada hari kejadian isteri saya terlepas pandang kerana dia pergi seorang diri. Lebih malang , tanda harga sebelum diskaun tertera tarikh Julai 2010 sedangkan harga ketika promosi pula memaparkan tarikh Ogos 2009.
“Di sini jelas menunjukkan penipuan tanda harga oleh peniaga, harga promosi yang diletakkan pada barangan itu adalah harga asal produk berkenaan. Nampak sangat peniaga sengaja mencari keuntungan dengan cara yang mudah kerana mereka tahu pengguna pasti membeli produk pada harga yang murah,” katanya.
Beliau yang juga pensyarah di sebuah Institusi Pengajian Tinggi berkata, di sinilah pentingnya ilmu kepenggunaan, kerana ia dapat membantu pengguna membuat penilaian terhadap kesahihan harga sesuatu produk sebelum dan ketika promosi jualan murah diadakan.
“Membaca label dan tag harga adalah penting, tapi pengguna sering mengabaikannya. Inilah yang selalu menjadi punca kepada penipuan tanda harga. Sikap tidak suka membaca tag harga pada produk perlu dikikis, kita perlu jadi pengguna yang berhemah, biar kita jadi pengguna yang ‘alah membeli menang memakai’.
“Ini tidak pantang ternampak iklan jualan murah kita pasti akan ke pusat beli-belah berkenaan untuk membeli-belah. Kita harus membuang sikap sedemikian, sebaliknya kita perlu membeli barangan yang dirasakan perlu dan jangan membazir dalam berbelanja, barulah kita boleh menjadi pengguna yang berhemah,” katanya.
Khairul Nizam berkata, penipuan tanda harga ketika jualan murah banyak berlaku di pusat beli-belah terkemuka di negara ini saban setahun. Read more...
Teaser Majlis Berbuka Puasa MISC 2010
17 August 2010
Kenangan... SPM 1996
SPM 1996: Pelajar YIK capai keputusan terbaik
KOTA BHARU- 1997, PENCAPAIAN cemerlang sekolah-sekolah tajaan Yayasan Islam Kelantan (YIK) terus terbukti meningkat di dalam keputusan peperiksaan Sijil Pelajaran Malaysia (SPM) yang diumumkan April lalu.
Demonstrasi Anti-Yahudi yang nyata Sia-Sia
09 August 2010
Artikel dari Ustaz Pahrol ini amat menarik dan mungkin akan terpalit betul-betul di dahi majoriti orang Melayu kita yang sibuk dengan kempen boikot dan demonstrasi yang kononnya menunjukkan gelagat tidak puas hati terhadap Israel. Kami kongsikan artikel ini untuk bacaan pembaca Oh! Islam yang berminat (nyata tiada paksaan).
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Setelah pulang daripada demonstrasi anti-Yahudi, seorang Pak Cik berbual dengan saya sewaktu sama-sama menunggu giliran mendapat rawatan di sebuah klinik.
“Puas hati. Kami dah bakar bendera Israel. Hancur luluh dibuatnya. Gambar PM Israel pun banyak yang kami robek-robekkan. Kalaulah tidak mengenangkan undang-undang, kami dah bakar kedutaan Amerika. Tapi kami masih rasional.”
Saya mengangguk-angguk kepala sahaja.
“Tel Aviv akan bergegar minggu ini dengan demonstrasi oleh seluruh dunia Islam. Dijangka banyak lagi siri demonstrasi akan diatur minggu hadapan. Awak jangan lepas peluang.”
Saya mengangguk kepala. Mungkin kerana demam, saya banyak diam. Lagipun saya telah berjanji pada diri, dalam berinteraksi perlu menjadi pendengar.
Teaser Tangisan Gaza Palestin
22 July 2010
This is the latest simple teaser, designed using MS Powerpoint due to time constraint for circulation thru email as well as poster printing. I'm quite busy with official and unofficial works as well as parenting and husbanding. I have modified a corporate template, change colour to green and compose pictures taken from the internet. Please welcome to join the program.
Tenants give landlords 'electric shock'
13 June 2010
Troublesome betul tenant kat Malaysia ni! In fact my family has this bad experience years before with those lousy tenants of our old house. Even my landlord auntie is also having bad experience with her tenants until now.
They lived in our house for a year without paying any rental. We received several warning letters from utility departments to cut off the supply. On humanity basis we helped them to pay and asked them nicely to get out. Yet they asked for another short stay with all those kind of excuses so and so. This was history and a good lesson-learnt.
So, as the next generation of landlords, let us gear up for the next stage. Have a good control of our properties. On top of location, location and location, do equip ourselves with knowledge, skills and monitor, monitor and monitor. Sayang bang orang buat main harta kita!
By JOSHUA FOONG/The Star Online
joshuafoong@thestar.com.my
PETALING JAYA: It is a case of “electric shocks” of a different kind for houseowners.
They are residential landlords left to foot large amounts of power bills, amounting to tens of thousands of ringgit in some cases, not settled by tenants who have moved out.
The landlords are helpless as they are held responsible by Tenaga Nasional Bhd (TNB), and cannot re-connect supply for new tenants or sell their homes without paying the bills.
Many are blaming TNB for their predicament, saying the bills would not have surged to such high figures if the utility company had been strict and cut off supply to errant consumers at the early stages.
The largest unpaid power bill reported to the MCA Public Services and Complaints Department was RM47,483.93!
“And this case concerned a residential property. We have not even touched commercial premises yet,” said department head Datuk Michael Chong.
He said his officers had received 29 reports of such cases since 2008, with unpaid bills amounting to RM216,348.48.
“This is just the tip of the iceberg. Many cases could have gone unreported. I am just as curious to know why TNB allowed the power bills to reach such extravagant sums,” he told The Star.
Several online forums confirmed that the problem was widespread, with many residential property owners expressing frustration with their tenants’ unpaid electricity bills.
“It can be years that tenants did not pay, and it’s unusual that TNB did not cut off the power supply even though the outstanding amount hit four figures. Many (owners) just pay up and forget the whole issue,” commented a consumer who lives in USJ.
Businessman Stanley Sien, 50, said he had to deal with “a recalcitrant” tenant who did not pay rent for a house in Puchong for almost a year and accumulated utility bills totalling RM6,640.34. The power bill alone came up to RM5,774.38.
“What’s worse, the tenant was a TNB employee. When I asked a TNB customer service officer why they had allowed the outstanding amount to balloon, she said the employee could have reconnected the supply on his own.
“She said there was nothing TNB could do to help me,’’ he added, showing the bill that he finally had to settle with TNB.
“There was no progress despite me waiting for many months. I spent RM16,000 repairing the damaged house to rent it out again. I had to pay up in order to get TNB to reconnect the supply,’’ he added.
Lawyer C.V. Devan advised landlords to pursue legal action against defaulting tenants.
“Just sue them. The landlord will most definitely have a strong case because there is a tenancy agreement that the case can fall back on. For cases amounting to less than RM5,000, there is the Small Claims Court where one does not need to hire a lawyer,’’ he added. Read more...
The 10th Malaysia Plan (10MP)
11 June 2010
My time does not permit me to read and understand the plan blueprint thoroughly yet. The followings are just a few excerpts from the summary:
- Pendekatan pembangunan di bawah RMKe-10 akan memberi keutamaan meningkatkan keselesaan hidup di bandar sebagai tempat yang sesuai untuk tinggal, bekerja dan beriadah, melalui inisiatif seperti
pembangunan kluster baru, menaik taraf pengangkutan awam serta pembangunan semula. Bandar raya Kuala Lumpur dan kawasan sekitarnya (Greater KL) akan dimajukan sebagai bandar bertaraf dunia.
Najib also said that in line with the "Greater Kuala Lumpur" NKEA (National Key Economic Area), the government would further enhance the public transportation network in Kuala Lumpur with the implementation of the high-capacity Mass Rapid Transit (MRT) system.
"When completed, the system is expected to cover a radius of 20km from the city centre with a total length of about 150km, and when fully operational, will serve up to two million passenger trips per day from the 480,000 trips on current urban rail systems," he said.
Alhamdulillah, my home is just within 20km radius from the city centre, right at the border. Hope to see some improvement in urban living with the expectation of high quality environment for those areas within the radius.
- Memperluas dan mempertingkat kekayaan Bumiputera bagi memastikan pemilikan secara kekal dan berterusan, berdasarkan pendekatan penggemblengan dana dan pemilikan aset melalui institusi termasuk hartanah.
Insyaa Allah will strive for it.
- Prestasi pelajar akan diutamakan dengan meningkatkan kecemerlangan guru dan akauntabiliti guru besar dan pengetua.
Thinking of Ummi, Aiman and.... teacher and student.
The View of A Mosque from A Mosque @ Putrajaya
09 June 2010
The picture was taken at Masjid Sultan Al-Mizan, Putrajaya (Masjid Besi) using my old Sony Cyber-shot T9. I love this water and tiles reflection as well as its natural frame. In the frame are Masjid Putra, Seri Wawasan Bridge, Putrajaya Millennium Monument, Perdana Putra and government complexes. Read more...
Senamrobik @ Taman Desa Indah Family Day 2010
01 June 2010
Thanks to Bro. Jai for this nice video. Terkinja-kinja sekejap.
Safety tips: What to take to bed with you
Got this useful tips again thru email from my neighbour. Good to share!
What to take to bed with you - not a joke.
Pretty neat idea. I Never thought of it before.
Tell your spouse, your children, your neighbors, your parents, your Dr's office, the check-out girl at the market, everyone you run across.. Put your car keys beside your bed at night.
If you hear a noise outside your home or someone trying to get in your house, just press the panic button for your car. The alarm will be set off, and the horn will continue to sound until either you turn it off or the car battery dies. This tip came from a neighborhood watch coordinator. Next time you come home for the night and you start to put your keys away, think of this: It's a security alarm system that you probably already have and requires no installation. Test it. It will go off from most everywhere inside your house and will keep honking until your battery runs down or until you reset it with the button on the key fob chain. It works if you park in your driveway or garage. If your car alarm goes off when someone is trying to break into your house, odds are the burglar/rapist won't stick around. After a few seconds, all the neighbors will be looking out their windows to see who is out there and sure enough the criminal won't want that. And remember to carry your keys while walking to your car in a parking lot. The alarm can work the same way there. This is something that should really be shared with everyone. Maybe it could save a life or a sexual abuse crime. Read more...
Latest artwork designs in May 2010 - Banners for Family Day and Homecoming Night
31 May 2010
These are two latest banner designs for Family Day of my neighbourhood, Taman Desa Indah and Homecoming Night for nearby school alumni, SMK Sg Kertas. The Family Day banner was designed to portray a happy moment of the day. The homecoming night uses catchy colours to attract passerby.
Read more...
Artwork Designs for Majlis Tilawah Al-Quran Peringkat MISC Ke-11
14 May 2010
Rising house prices: coping with the big tickets
09 May 2010
Extract from Star Property, 8 May 2010:
ALTHOUGH there are buyers who have no qualms paying the prevailing high price for their dream house in a well sought after location, many Malaysians are really worried about the rising house prices and wonder how they are going to manage.
There is certainly cause for concern as a property is a big ticket item and paying for it takes up a big chunk of a person’s income. Depending on how much downpayment has been paid for a property, mortgage loan repayment can easily takes up to 40% of a borrower’s monthly paycheck.
Read more...
Lack of sleep linked to early death: Study
06 May 2010
LONDON (AFP) – People who get less than six hours sleep per night have an increased risk of dying prematurely, researchers said on Wednesday.
Those who slumbered for less than that amount of time were 12 percent more likely to die early, though researchers also found a link between sleeping more than nine hours and premature death.
"If you sleep little, you can develop diabetes, obesity, hypertension and high cholesterol," Francesco Cappuccio, who led research on the subject at Britain's University of Warwick, told AFP.
Read more...
Top Reasons to Refinance Your Property
- Current principal outstanding – RM70,000
- Current interest rate – BLR + 0.25% (6.05% based on current BLR)
- The best part is the market value of the property now is RM150,000 compared to purchase price for 6 years ago at RM90,000.
Read more...
Traffic Jam... It's too late already
04 May 2010
It happened to me this morning. I was caught in the traffic jam at Jalan Kuching while rushing to my office. My aim was to arrive at 7.30am but turned up to be at 8.45am. The slow queue puzzled me upon entering Jalan Kuching from Duke Highways. Luckily I got this answer upon approaching Jalan Tun Razak Exit. The message on ITIS electronic board said “Kenderaan rosak 1.5km di hadapan. Lorong kiri terhalang”.
I believe that the situation could be better if the system relays the traffic information before any exit of the highway so that you can maneuver your car and find the alternative ways. So, DBKL and highway concessionaire, please buck up and review your system for efficient driving experience. Help city folks to optimised their fuel spending and time. Just my two cents. Read more...
How to check market price for your car?
02 May 2010
Whilst surfing today, I found a good website to check the current market price for your car. This is useful for the purpose of renewal you car insurance/takaful for road tax renewal or perhaps for selling your car or buying the second hand car for your second……. So with this information you can manage to get the best out of your insurance/takaful without being overcharged unnecessarily.
Please visit SNiK Autoclaims Read more...
Banner Design for MISC Berhad's Finance Mini CSR at Hulu Selangor
01 May 2010
This is my latest masterpiece for MISC Berhad's Finance Mini CSR at Hulu Selangor i.e. Seminar Kerjaya. It is for banner printing with the size of 3' X 7'.
Revamped OpenTuition site - visit and explore new features
22 April 2010
Got this email from OpenTuition.com:
OpenTuition.com is more social
We have updated the site with new and exciting features!
Forums and Groups are now merged into one!
So it is easy to join and stay in touch with other students who study for the same exam or have similar interests!
As always you can exchange your comments, ask questions and now you can also share your personal notes!
Every group can have their own documents!
To learn more about new features please visit this page
Course notes
All course notes are now available, now you can download them from the main site! Here are updated links!
Paper F1, Paper F2, Paper F3, Paper F4, Paper F5, Paper F6, Paper F7, Paper F8, Paper F9, Paper P1, Paper P2, Paper P3, Paper P4, Paper P5, Paper P7
Login to the site for other updates >>>
Spread the word about OpenTuition.com
Are all your friends benefiting from our free resources?
Alert all your friends on facebook and other social networks!
Only with your help can we expand and produce more free materials for you!
Do not forget to share this email with your friends Read more...
Beware the property trap, Chong tells owners
16 April 2010
- Interview your potential tenant thoroughly.
- Use application form, useful for background checking.
- Have a proper and clear tenancy agreement which mutually agreed.
- Accept only those who ever able to pay 2-3 months deposit.
- Befriend your tenant.
- Express your expectation.
- Ensure that your 8-10 months rental can cover 1 year installment.
Read more...
Tips on how to file your income tax and claim exemptions
14 April 2010
By Dr Choong Kwan Fatt @ The Star Online/Tax File
EVERY employee when filing the tax return (Form BE) for year of assessment (YA) 2009 on April 30 has to understand the concept of income exemption, deduction and relief in order to maximise the tax benefits available under the Income Tax Act 1967 prior to paying the legally required amount of income tax.
Income Exemption: Generally, any amount paid by the employer to the employee in relation to having or exercising an employment will be taxed. This refers to employment income such as salary, bonus, gratuity, commission, allowance, director fees and many other forms of remunerations as stated in section 13(1) of the Act.
The Government, however, would from time to time legislate through the Act or gazette order (PU(A) Orders) on the category of income paid by the employer where tax exemption will be granted. This means that such income will be excluded from the income tax computation.
In short, the phrase “income exemption” refers to employment income that is excluded from taxability.
Datum Jelatek
25 March 2010
Jelatek... once upon a time, this was the place where I catched Putra LRT to go to office. My friends and I rented out a nearby PKNS Flat a.k.a Colombia Flat at Jalan Enggang. So, it was either by LRT or by 125Z for my daily mobility according to the mood and condition for those days. With the recent news, it seems that the PKNS will develop an RM1.2 billion integrated development next to LRT Jelatek consisting of up to four 45-storey towers consisting residential units, office lots, a hotel and a shopping mall. I found this Youtube video showing a preview of this project. Enjoy the show!
New TH Account Registration Campaign - April 2010
Read more...
2nd Putrajaya International Hot Air Balloon Fiesta 2010
14 March 2010
I missed this event last year and now it seems that I'm going to miss it again this year. Nevermind, I hope that the day will come when I have my own DSLR for shooting all those ballons.
Please click here for more details. Read more...
Banks raise rates
09 March 2010
Bankers say rate hikes based on recent adjustment on OPR. So our monthly commitment and financing cost will be slightly higher now. BLR increased from 5.55% to 5.80%.
As reported by starbiz@thestar.com.my, Tuesday March 9, 2010
KUALA LUMPUR: Banks have begun raising their base lending rates (BLRs) following Bank Negara's move to lift the overnight policy rate (OPR) by 25 basis points last week.
Five of the largest banks in the country raised their BLR to 5.8%.
Malayan Banking Bhd (Maybank) and CIMB Bank Bhd were the first two banks to announce their interest rate hike from 5.55%.
The two banks raised their BLR and base financing rates to 5.8% effective today following Bank Negara's OPR revision last Thursday.
Semarak & Penaga Condominium, Taman Raintree Batu Caves
01 March 2010
On the way back, we dropped by a new project near to Batu Caves i.e. Semarak & Penaga Condominium, Taman Raintree. For more details of the project, please visit developer website. Aiman was so excited to see the condominium model especially the pool. For him, the pool is everything and he kept asking me where is the pool (even though he always afraid of water :-)). You can hear his voice in the following video taken from LCD TV in the show house. Please enjoy this promotion video!
Read more...
A Tribute to Muhammad, Kau Terlalu Istimewa Ya Rasulullah
26 February 2010
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Annual Tax Filling Year of Assessment 2009 - Are we ready?
The due date for filling of YA 2009 is around two months to come i.e. 30 April 2010 for those employment income earners like me (as of today). My payroll department are busy preparing the EA Form for the staff (I thought they are obliged to distribute it by end of February). Even my friends started talking about the reliefs and rebates early this week.
Teaser Maulidur Rasul 1431H
22 February 2010
The teaser for today is Ceramah Khas Maulidur Rasul (The Talk in conjuction with the birthday of Prophet Muhammad s.a.w.). It was designed upon a request using MS Powerpoint 2007 and distributed thru email to all Muslim staff.
Menara Dayabumi folks! You are most welcomed to this event.
Scenic view from Taman Desa Indah (TDI) Batu Caves
21 February 2010
I don't know why I like this picture so much, taken using my old SONY T9. Perhaps the reasons why I like it are the sky blue colour (my favourite colour) and the fact that it was taken from my home. What a lovely panorama in the morning whilst breathing the fresh air in front of my home sweet home. The rows of houses is actually Taman Bukit Permata.
Interest/Profit Rate Reduction - hope it's not too late
It has been quite a long time after being advised by my banker neighbour to refinance my home or to ask bank for interest reduction on home loan. Since the market price of the surrounding properties in my housing area has picked up to RM300K - RM400K, it is actually a great opportunity to reap. But then, thinking of serving the loan for an extended period is not my choice, I would rather write a letter to the bank asking for interest rate reduction. But, the problem is always in writing.. hu hu hu. Probably due to the fact that my home loan is subsidised by my company that reduce the sense of urgency in changing the thing.
Masa dan Peluang
20 February 2010
Bersempena cuti Tahun Baru Cina baru-baru ini, saya sekeluarga berkesempatan menziarahi seorang sahabat di Bangi sambil pusing-pusing bandar melihat pembangunan hartanah yang semakin pesat dan menikmati Beriani Gam. Isteri saya yang kurang selera makannya dek kerana teruk alahan nampaknya agak berselera pada hari itu.