Sunday, April 24, 2011
Friday, April 22, 2011
Monday, April 18, 2011
Sunday, April 17, 2011
TIPS ON 'hilangkan jerawat/pimles elimination'
Petua 2 : Campurkan air limau nipis dengan satu sudu minyak masak . Sebelum tidur , sapukan campuran tadi ke seluruh muka anda. Sekiranya anda merasa pedih , itu hanya sementara . Esoknya , ambil beberapa keping asam gelugur (asam keping) dan rendam dalam air panas . Setelah sejuk atau suam , basuhlah muka anda dengan air itu . Ambil asam dan gosokkan ke seluruh muka anda . Kuatkan gosokan anda pada tempat -tempat yang berparut. Bairkan beberapa minit , kemudian basuh dengan air biasa. InsyaAllah , muka anda akan menjadi licin dan bersih.
Petua 3 : Campur bedak sejuk dengan garam dan air asam jawa. Selawat pada Nabi 3 kali. Sapukan di muka dan di tempat jerawat. InsyaAllah, jerawat akan beransur hilang.
Petua 4 : Hilangkan jerawat dengan sebungkus daun teh (masih hijau). Didihkan kemudian lekatkan ke jerawat.
Petua 5 : Bersihkan muka. Kemudian cuci dengan air kelapa tua. Biarkan ia kering sendiri. Bilas dengan air bersih. Amalkan 3 kali seminggu.
Petua 6 : Sejukkan sedikit kanji nasi. Sapukan pada jerawat dan biarkan ia kering di muka. Cuci dengan air suam. Amalkan setiap hari sehingga jerawat berkurangan.
Petua 7 : Basuh muka dengan air basuhan beras. Setelah kering cuci dengan air bersih. Amalkan selalu.
Petua 8 : Campurkan putih telur (ayam lampung) bersama satu sudu tepung jagung dan minyak zaitun. Gaul rata dan kemudian sapukan ke seluruh muka. Biarkan sehingga kering dan kemudian bilas dengan air suam. Ia elok untuk kulit bermasalah dan boleh membantu mengatasi jerawat. Amalkan 2 kali seminggu.
Petua 9 : Sapukan sedikit larutan tepung kanji bercampur air di sekeliling jerawat yang timbul. InsyaAllah ia akan membantutkan pertumbuhan jerawat tanpa sebarang parut.
Unit Trust and its definition
Unit Trust is a collective investment scheme that pools
the savings of a large number of investors. The money collected is invested by the fund manager in different types of stocks, bonds, or other securities in various proportions depending upon the objective of the fund.
The income earned through these investments and the capital appreciation realized by the scheme, after deducting the trading costs and expenses of managing and administering the fund are paid out to the unit holders in proportion to the number of units owned by them.
Most of the unit trust funds in
You can make an initial investment with as little as RM1,000 and buy additional units when you have more money or invest a fixed amount on a regular monthly schedule via a bank account. Thus unit trust is the most suitable investment for the common man as it offers an opportunity to invest in a diversified, professionally managed portfolio.
Each Fund has a defined investment objective and strategy.
to get more accurate info, visit the nearest bank and ask the officer on how to make your money expand via several plan...do not hesitate to ask so many things in your head
Wednesday, April 13, 2011
Sunday, April 3, 2011
TOP 10 most highest paid ceo in 2010
Tuesday, March 8, 2011
Buying house tips,for first timer only
| It is everybody’s dream to own a roof over their head. However, if you are not prepared and a wrong decision is made, it can turn out to be a nightmare. Read our house buying tips to avoid costly mistakes. Q. Will you be staying in the district for more than 5 years ?
Q. What is your credit status ?
Q. What can you afford ?
Q. What do you look for in buying a house ? 1. Location, Location, Location An established neighborhood with a good mixture of middle and high-income group should be your first criteria. There should be at least two access roads leading to the property. Ensure that there is economic vitality in the district by checking that the commercial units are well occupied with a mixture of commercial retail, banking and service industries. The presence of reputable financial institutions usually signifies a good economic vitality in the district. Properties located near to a highly regarded school generally commands better value. 2. The Good, Bad and Ugly Housing developers belong to these three categories. Residential units built by a good and reputable developer typically fetch a much better price on the secondary market. Checking out the reputation of the project developer can save you a lot of heartache later. 3. Layers and layers Residential units are more often than not, built in rows perpendicular to the main roads. The row that faces the main road is known as the first layer, the row behind it is the second layer and so on. In most residential project sales, the first layer units are usually the last to go. Reason being the noise and air pollution from traffic and you cannot park cars on the side of the road in front of your house. 4. Religious facilities In Malaysia, most big residential estates are served by at least a mosque. Those of the Islam faith prefer houses close to this facility for convenience. For the others, the early-morning prayer call takes quite some time to get used to. 5. Superstitions There are still many superstitious people around in this jet-age. Houses that face a junction, the west, and retaining wall are taboos to many, especially the Chinese. Q. You have identified your dream house, what next ?
Before you start to negotiate on the price, get your facts and figures ready. It is recommended that you engage a reputable real estate agent to assist you. Major registered agency firms in Malaysia do not charge you for such services. Your real estate agent should be able to provide you with an indication of the property’s current market value. Knowledge of information such as asking prices of similar properties on sale and the past two years transaction records in the district would be a strong bargaining tool.
Once the price has been agreed upon, most sellers would require an initial deposit (Option Sum) to secure the deal. The Option to Purchase Agreement will prevent the seller from reneging and selling the property to somebody else who bids higher than you. The Option Agreement usually is valid for seven working days during which time you must deposit a 10% down payment into an escrow account with your lawyer. Once this is done, the seller will draft the Sale and Purchase Agreement.
Always get professional help with the Sale and Purchase Agreement. Insist on the inclusion of a contingent clause that allows you to conduct a thorough inspection of the house 24 hours before the final payment is released by the bank to the seller (assuming a loan is obtained). This is especially important if the property you initially inspected was occupied. You might find a gaping sinkhole in the living room where the TV cabinet was placed. Upon signing of the Sale and Purchase agreement, you will be given usually 90 days to obtain the loan to finance your purchase. If you fail to do so within the stipulated time, your down payment will be forfeited. The only time your down payment will be returned to you is if the seller failed to comply with any of the contingent clause in the Agreement. Once your loan is approved, the bank will inform you the date the money will be disbursed to the seller. Conduct a thorough investigation of the property, which should be vacant, be this time. If you are satisfied, grant permission to your bank to release the money. As soon as the money is released, vacant possession of the property should be handed over to you. Enjoy your new home. |
how to seduce girl
I have heaps of flirting tips and techniques that I want to share with you, but let’s start with a simple one called ‘The Cheeky Smile’.
You can add in a cheeky smile when you are talking to a woman for the first time, or even if you have known her for years – it will always get the desired effect. The cheeky smile is not an ‘over the top’ type of smile. It is a relaxed, confident and slightly mischievous smile that discreetly communicates your sexual interest in her.
The smile is best used 1-2 times during a 5-minute conversation with a woman. You’ll notice that it completely changes the dynamic of the conversation from being ‘friendly’ to being ‘friendly, but sexual’.
The cheeky smile works because it is an indirect communication of your sexual interest in a woman (i.e. you don’t ever have to say, “Hey I like you and want to have sex with you” …you just have to use this smile and she will know). Women appreciate this type of communication and will consider you a charming gentleman for using it.
The cheeky smile has another benefit as well. Since you are not actually saying that you want to have sex with her by using words, the woman will notice that you’re smiling in a sexual kind of way sometimes and think, “What does that smile mean? Does he like me, or?”
She will then try to find out if you do like her, by flirting back at you. This, of course, is a VERY good thing because it shows you that she likes you and is feeling sexual attraction for you.
-just found it on the web n sharing this, smile :) -
Monday, February 28, 2011
people!! ethics pls!!!
Sunday, February 20, 2011
A nice view HOMESTAY to stay!!
- 3 rooms-1 Master bedroom(air-cond) dan 2 medium size room
- fully furniture
- living hall with TV and couch
- 1 dining table
- 1 kitchen fully supplied with appliances
- 2 toilets
- Iron dan iron board
IF U INTERESTED, PLS DO NOT HESITATE TO VISIT THIS LINK
CLICK HERE
or contact this person
person: Yusoff
012-3175940
