THINKING FOR FUTURE ................ MY 1ST HOME

Alhamdulillah hari den nyer HOUSE LOAN dah lulus dengan jayanyer ...... SYUKUR KEPADAMU YA TUHANKU ..... Aku harap nie pemulaan kepada kebahagiaan kehidupan huhuhu .Lepas satu2 kawan gua kawen , macam ada gie impact kat den gak ar kan.. I just think for future for my wife & children everyday huhuhu ... I DON"T WANT THEY SUFFER .... WANT BE GOOD DADDY kui 2 ...... kui2 ....

Banyak gak bank den apply antaranya ;

a) BANK ISLAM

b) RHB BANK

c) CIMB BANK

d) MAYBANK

e) AM BANK

f) EON BANK

Banyak2 bank hanye 3 jer bagi jawapan dengan pantas;

a) BANK ISLAM - 1 minggu call back and approved

b) RHB BANK- 3 hari jer dah call back and approved

c) MAYBANK - 2 hari

So, den apo lagi sorak keriyangan lah huhuhu . Tapi den took RHB BANK sebab ;

1) Personal Banker 2 memang mesra dan suka menolong pelanggan dengan tawaran yang menarik

2) Selalunya orang akan tengok berape berape INTEREST RATE (BLR @ IBR) YANG AKAN DIKENAKAN .Interest Rate nie berubah2 ikut tahun dan ditetapkan untuk semua bank oleh bank negara.

Currently, BLR @ IBR for 2011 is 6.3 %

BLR - Base Landing Rate

IBR - Islamic Base Rate

Memang berbaloi ah kawan2 kalu beli asset tahun nie sebab based on my study BLR tahun nie antara terendah sejak 3 tahun lepas (2009 - 5.8 %) . Tahun2 dulu 10 hingga 13 % memang tinggi giler beb ... Seksa mau bayau . Antara conventional dan islamic den pilih islamic sebab den yakin insyallah ada kemudahan pada masa depan walaupon orang kate islamic leceh dan faedah tinggi lah. Alhamdulilah , nie den dapat

- IBR - 2.3 % terendah pernah dapat untuk pemohon RHB Bank kat cawangan 2

- 90 % loan dari harga rumah . Bukan senang nak dapat ooo . Kadang2 kalu syarat tak cukup dapat 80 % or rendah dari 2 . Alamat keruk kepala 100 x ler huhuhu.

Sebenarnyer, untuk membeli rumah, harga pasaran untuk rumah 2 mesti sama atau lebih tinggi dari harga rumah yang ditetapkan developer or tuan punye rumah . Kalu tak loan takkan approve. 2 memang step 1st diorang akan buat sebelum proses seterusnya. Personal Banker akan tanye pada valuer untuk tentu harga pasaran rumah.

SEBAB MUSABAB DEN JATUH CINTA PANDANG PERTAMA RUMAH 2;

a) Den beli dengan FULL FURNISH - Complete takyah pikir nak beli katil kakakakaka . Semua lengkap dengan perabut jenama IKEA + Kitchen Renovation + Shower Room Renovation + cukup-cukup 2 ........kakakakaka . Tapi emang lawalah tuan rumah 2 decorate macam ENGLISH STYLE yang den idam-idamkan

b) 24 Hr Security Guard . Selmat untuk anak2 dan isteri kakakakakaka

c) Ada swimming pool , gym dan dobby

d) Yang paling penting dekat ngan SURAU . So, aktiviti kemasyarakatan yang dibuat di surau leh lah join. huhuhu

e) Persatuan penduduk yang aktiv. Ada aktiviti macam2 . Senaman , sambutang perayaan

f) Dekat dengan sekolah . Senang nak hantau anak dan anak senang nak balik rumah huhuhuhu

RUMAH YANG DEN NAK BELI NIE JENIS TOWN HOUSE HUHUHU. I WILL SHARE THE PICTURES FOR NEXT POST WHEN IT FULLY OWN BY ME Insyaallah ..........Thanks God

Moral Value : VOTE FOR ISLAMIC PRODUCT .........huhuhu

Banyak2 Artis Siapa Bukan Berlakon huhuhu ... Sapa mereka?

Hari nie den CUTI HUHUHUHU ........!!!!!!!!!! SYOK GILER !!!! LEH TDOR LEBIH SKIT. Biasa ar kan kalu orang bekerja nie bile bagi cuti lebih kurang 3 jam extra dihabiskan masa bercuti ngan TDOR huhuhu . Den rancang untuk gi RHB BANK di Nilai sok . So, kene lah bangun awal ... DUSH !!!!!!!!! apeleh wat tanggungjawab lagi penting . Hidup nie kene banyak berkorban baru rase nikmat hidup sebagai manusia huhuhu ..... !!!!

So, lepas jer subuh den baring2 sat. Ingat nak lelap sat peh sekali terkejut jam kul 8:45 pagi. HUH lame gak den tertdor. Bangun kemas2 tilam , terui bersiap tok ke bank. Dipendekkan citer selepas 2 jam den tiba kat bank.

Zaidi-"Assalamualaikum, encik saya nak tanye berkenaan pnjaman loan rumah"

Abang Bank-"Wslam, boleh encik kat 2 akan uruskan . Sila tunggu sebentar yer . Ada pelanggan"

Zaidi-"OK"

So, den tunggu sambil baca2 pamplet kat situ . After 30 minit , pelanggan td pon habes. Den pon terui gi kat die bagi salam dan perkenalkan diri . Sekali peramah abang bank nie. Memang pon kalu mahu jaga customer you mesti talk active dan MESRA PELANGGAN (Huhu nama pon mesra pelanggan kan ) . Aku nie bukan suka sangat bab2 politik nie. Citer pasal isu semasa . APE SUDE JD DGAN TANAH AIRKU ... kakaka . Aku nie pantang ajak berbual gerenti susah nak berhenti . Bertukar2 pendapat huhuhuhu . Kalu die tak cuit den , den cuit die huhuhuhu ... DEn tak minat sangat politik sebab :-

FAKTA POLITIK

a) POLITIK sungguh BOSAN -Asyik2 gaduh , tapi 2 memang lumrah politik huhuhu

b) POLITIK harini KAWAN sok LAWAN - Penuh kepura-puraan termasuklah penyokong time ada duit sokong takde duit boleh bla ..........

Tapi sebagai warga Malaysia yang cintakan tanah air, macam mane pon tetap perlu tahu serba sedikit. MENGAPA DEN KATE BEGITU ? Sebab politik menentukan masa depan negara . Lebih tepat lagi politik menentukan nasib anak cicit kite huhuhu .!!!! HABES BAB POLITIK - BOSAN ! ! kakakakakaka.

Tiba2 ada satu mamat nie masuk , den tengok macam kenal jer tapi di mane yer kakakakaka ...KAKAK BANK DAN ABANG 2 BANK KERUMUN KAT ENTRANCE BANK. Kebetulan depa pon mau kuar rehat tgah hari. MAMAT 2 siap nyanyi wat lawak2 lagi huhuhu den pon terhibur gak tegok aksi selamba die 2 . kakakaka ... die pon ajuk orang politik gak rupenyer ..... Abang bank pon layan same kakakakaka .

"PERBUALAN ANDA DIRAKAM KAN " kakakakakaka tapi malang den tak sempat rakam AKSI PANAS 2 kakakaka .... Lawak gak tgok die ...huhuhu .... MAMAT 2 sebenarnye HELMI GIMIK. Dulu pernah famous kat TV1 jadi pengacara FAMILY FEUD versi Malaysia. DIE NIE MEMANG LAWAK PON huhuhu tapi sekian lame menyepi sebab kes2 politik gak ar . Yang nie den tak mau sentuh huhuhuhu ......

Lantas den pon terfikir, banyak artis yang tak menipu dan berlakon rupanya ARTIS2 jenis PELAWAK . ...... huhuhu Kalu depa jenis suka ketawa dan memang tergolong dalam pelawak di kaca tv makna nyer memang depa nie jenis suka ketawa dan kelakar kakakakakaka ...NIE BRU BETUI ANTARA LAKONAN DAN REALITI huhuhu ... Yang lain2 nyer lakonan den ak jamin huhuhuhu .... Dalam TV berlakon citer jadi baik , kat luar entah ... Hanya ALLAH S.W.T jer tahu huhuhuhu ....... MOGA2 DEPA TERGOLONG DALAM GOLONGAN2 YANG BAIK2 huhuhu ...

DIE TGAH BERATUR DEN TANGKAP GAMBAU DIE huhuhu

Ngah nak kuar dari bank2 sempat lagi wat lawak lak dengan Pakcik Guard bank huhuhu ...

HIDUP NIE PENUH NGAN PELAKON ....... TAPI KALU PELAWAK 2 TAK BERLAKON MACAM DEN kakakakakakakakakaka.........

MY Birthday Celebration..... 11 April 1987 .... 2011 ++

Tiap2 kali birthday den. Den takkan lupe orang kat member sebelah den. BUKAN DOK SEBELAH DEN TAPI HARI HARIJADI DIE SEHARI SEBELUM DEN HUHUHU . Member den nie 10 & my birthday 11. So, memang2 senang nak ingat dan takkan lupe sampai bile2 huhuhuhu. Memang den rase ada chemistry kat situ huhuhu. LAWA SEH 10 & 11. Apa2 pon all d best to him and also to me.

So, untuk birthday kali nie, den sambut kat RESTORAN SABA' , CYBERJAYA. Kalu korang nak tau restoran nie terletak kat CBD PERDANA. Kalu nampak jer signboard nie. Terus jer masuk. Makna nyer anda di jalan yang betul huhuhu. Kali nie den tak gi explore sorang2 , den gi ngan my parent .....huhuhu

ANTARA RESEPI YANG DI ORDER ;

a) KOPI TURKI - Nie ayah den perkena . Rase die berangin macam makan Chew GUM

b) BARBICAN - Dulu den minum perisa Rasberry , Kali den ambik perisa lemon . Tapi pelik rase die macam same jer ngan rasberry. Entah belasah jer aaaaaa

c) KABSA LAMB -Nie memang special ..... Makan mase panas .... Memang power ... Daging die lembut beb

a) d) ROTI ARAB + PENCECAH ( Kaka lupe name die ) - Roti die besau huhuhuhu ....

Tapi kalu dibandingkan RESTORAN AL_RAWSHA yang den gi sebelum nie nie lagi masyuk beb. Die punya nasi die besau2 dan lembut. Kalu makan panas2 kene ngan kambing bakar memang susah nak diungkapkan dengan kata2 kakakaka ....

Kalu nak tau keenakkan die, cubelah rase. Susah den nak citer sebab den bukan CHEF WAN pakar bab2 makan. Yang den tau rase die lain dari yang lain tak sama ngan nasi berani dan nasi kat AL_RAWSHAH 2 ............... I give 7 kakakakakakaka

ME AT" LEBANON" Mid Night MEAL !!!!! AL-RAWSHA RESTAURANT ...

For me do same thing everyday was bored. When felt this one, u need do something different. KAKAKAKAKA ..... I like different. Different in how i look ; my appearance , different in what i done everyday and foods also i need to try something new menu . There are many around me still i don't know. So, EXPLORE it !!!! ...........

• 4/4/2011 MONDAY , TIME : 12 :30 am

Huh ... ! This weekend I not got any place . Just filled my free time at my house. Currently, NO EXCITING EVENT at KL . In deep my heart said,

"Aiiiii, Boring weekend , Just sit in front of laptop , play facebook , Buzz! Awek ! Read newspaper UTUSAN , METRO ....Same issue; dirty politician news .... , i need to insert new "recipe" into my history of my life huhuhuhu"

No work for tomorrow, so let we try new Restaurant at KL area. Hah! my stomach also release sound . @!#$%^! ...... I have no idea what type of restaurant i should select. So , everything now u can know through your finger tips. I write at GOOGLE ; FAMOUS ARAB RESTAURANT AT KL -JUST TRY IT !

I look from search result- one special name; AL-RAWSHAH RESTAURANT . I click and see the review from TRIP ADVISOR - Famous and good informer for know details ( review, image, etc. ) about RESTAURANT, HOTELS .............bla2 ....

So, from the review given OK . Then , i need to search ;

a) Price - Affordable

b) Restaurant Condition - Unique , give me new exp

c) Location - Not too far from my home

• 4/4/2011 MONDAY , TIME : 1:15 AM

Reach at restaurant, WOW ! .... This night i will eat in a castle kakakaka ... So, behave like a king but no queen kakakaka ...... Maybe not king .... anak king OK kot ! kakakakakakaka. Actually, i already know what i wanted to eat huhuhu ;

a) DRINK-BARBICAN

Non -alcoholic malt beverage drink ( HALAL ) and comes with several flavor like Lemon, Peach, Pineapple and Rasbery. I choose Rasberry - The taste same like we drink F & N Zappel huhuhu........

b) KEBSA & MANDY - MANSAF AL-RAWSHA

Look like Nasi Ayam but not nasi ayam .... More accurate NASI AYAM + DAGING kakakaka....

Traditional Lebanese cuisine with stew meat with rice plus grilled chicken and also special sauce made by Tomato .

Al Rawsha is suitable place for BIG MEAL in a casual atmosphere. You might want to consider waering pants with stretchy waistbands. You will get full baby.......kakakakaka

• 4/4/2011 MONDAY , TIME : 4:00 am

With my bantal peluk ( Lovely pillow ) ........ kakakakaka

ZAIDI EQUATION OF BEST RESTAURANT ;

1 = Tip Top

2 = Moderate

3 = Bad

Delicious = 0 , 0.5 , 1

Unique = 0 , 0.5 , 1

( Delicious )/2 + ( Unique )/2 = Rank ; WITH

{ Rank >= 0.5 --> OK @ Rank < 0.5 --> NG }

RESULT FOR AL-RAWSHAH RESTAURANT

Delicious = 0.5

Unique = 0.5

Rank = 0.5 ; OK --> YOU ALL SHOULD TRY IT ...........................huhuhuhu

IMIGINATION ..... From My Brain Went To My Heart. Give a meaning to others ... huhuhu

When u have good imagination, you can tell others about your idea through colourful,beautiful and creative creation. This is the way of designer; we express our feeling by creative idea from the IMAGINATION go to HEART and then from the heart we create something by using our own skills. But ..... REMEMBER Art Designer is different between Industrial Designer. Art Designer you must brought your heart and feeling more for make an unique design. Instead, the industrial designer you need to put your idea in the "box". That mean you must need to comply all constraints and can be accepted by logical thinking. Your can't put something big into a small box.

That why when you look the ART designer, their work more to independent or solo compare to Industrial Designer. Art have no limitation as long as your idea is creative, meaningful and just express to the public without doubt about others factor consideration ( safety etc. ).

Basically, to be good designer you must have;

a) Strong Imagination

b) High level of logical thinking

But if u want to power up your ability you must have both school of thought ART and LOGIC. Huhuhu .... So, for this post i need to share my story about my "job" at leisure time kakakaka ....

My "kakak" who sit beside me need to give gift to her two children. HEART BEAT is the best choice as on-line store for gift. NO NEED TO GO TO THE SOUVENIR SHOP !! JUST FROM YOUR HOME look at catalogue and pick what you want to give to your special person huhuhu ! EASY & LESS ENERGY . The step as below;

a) Go to HEART BEAT website.

b) Select gift at catalogue

c) Send image design to paste at the gift - Special gift with custom design for decoration.

"Zaidi, please help me for design my mug !!! I need to give me to my lovely children" - Mai said

"OK, free of charge kak mai ... kakakaka" - Zaidi said

On the spot, I though for ideas and design special image suit to the children. Characteristics of design for children type are;

a) Must cartoon type

b) Put image father , mother and siblings as symbolic of appreciation

c) Put a love quote

After 30 minute, i finish design and show the custom design to my "kakak" .

"Kakak, is it ok for the design ? Simple huhuhu ....."-Zaidi said

"Huhuhu .. nice2 !!! - Mai said

HUH !!! I LOVE MY "JOB" kakakakakaka ............ Make others happy , also make me happy ! huhuhuhu ......

Moral Value : Express your love through a meaning memorable thing. Special gift considered to be silent language of the love and affection you have for the person concerned. Custom gift from your special one as deep feeling from their heart. So, appreciate it ..!!!