tag:blogger.com,1999:blog-128733658435728542024-02-19T14:58:56.017+08:00Blog KeownThink win-winKEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.comBlogger84125tag:blogger.com,1999:blog-12873365843572854.post-26761820678306889432011-12-12T15:40:00.001+08:002011-12-12T15:42:08.554+08:00Seven Great Sentences<div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); ">Shakespeare....</span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "> "Never <a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="color: rgb(255, 255, 255); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); ">Play With The Feelings Of Others</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); "> Because You May Win The Game</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); "> But The Risk Is That You Will Surely Lose</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); "> The Person For A Life Time".</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "></a> </span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "> </span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); ">Napoleon....</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); "> "The world suffers a lot. Not because of the violence of bad people,</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); "> But because of the silence of good people!"</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "></a> </span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "></a> </span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); ">Einstein....</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><br /><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); "> "I am thankful to all those who said NO to me</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); "> It's because of them I did it myself.."</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "></a> </span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "></a> </span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); ">Abraham Lincoln....</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><br /><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); "> "If friendship is your weakest point then you are the strongest person in the world"</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "></a> </span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "></a> </span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); ">Shakespeare....</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><br /><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); "> "Laughing Faces Do Not Mean That There Is Absence Of Sorrow!</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); "> But It Means That They Have The Ability To Deal With It".</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "></a> </span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "></a> </span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); ">William Arthur....</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><br /><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); "> "Opportunities Are Like Sunrises,</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); "> If You Wait Too Long You Can Miss Them".</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "></a> </span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "></a> </span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); ">Hitler....</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><br /><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); "> "When You Are In The Light, Everything</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); "> Follows You,</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); "> But When You Enter Into The Dark, Even Your Own Shadow Doesn't Follow You."</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "></a> </span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "></a> </span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); ">Shakespeare....</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><br /><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); "> "Coin Always Makes Sound But The Currency</span></a></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a rel="nofollow" href="http://xqno.com/binb" target="_blank" style="text-decoration: none; color: rgb(235, 235, 235); font-size: 1em; position: static !important; "><span style="font-size: 1em; position: static !important; color: rgb(0, 255, 0); "> Notes Are Always Silent. So</span></a> When Your Value Increases</span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "> Keep Yourself Calm and Silent"</span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "> </span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "> </span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); ">Dr Abdul Kalaam....</span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "> "It Is Very Easy To Defeat Someone, But It Is Very Hard To Win Someone"</span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><br /></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><br /></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; line-height: 19px; font-size: 15px; position: static !important; color: rgb(255, 255, 255); font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; background-color: rgb(8, 0, 0); "><span class="font-size-4" style="font-size: 1em; line-height: 1.2 !important; position: static !important; color: rgb(0, 255, 0); "><a href="http://www.malaysiaria.com.my/">http://www.malaysiaria.com.my/</a></span></div>KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com0tag:blogger.com,1999:blog-12873365843572854.post-80626823143689042412011-12-02T09:15:00.005+08:002011-12-02T09:27:42.499+08:00Pinjaman bank yang semakin sukar pada tahun 2012<p style="TEXT-ALIGN: left; MARGIN: 0mm 0mm 0pt" class="MsoNormal" align="left"><span class="googqs-tidbit1"><b><span style="LINE-HEIGHT: 150%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1" lang="MS">Sumber 1 : http://www.bankinginfo.com.my/04_help_and_advice/0403_announcements/announcements2.php?intPrefLangID=2&&intArticleID=110<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></span></b></span></p><br /><h3 style="TEXT-ALIGN: left; MARGIN: 10pt 0mm 0pt; mso-line-height-alt: 8.15pt" align="left"><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1" lang="MS">Kelayakan</span></span><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1" lang="MS"> <span class="scayt-misspell">pinjaman</span> <span class="scayt-misspell">lebih</span> <span class="scayt-misspell">ketat</span><o:p></o:p></span></h3><br /><p style="TEXT-ALIGN: left; MARGIN: 0mm 0mm 0pt; mso-line-height-alt: 8.15pt" class="MsoNormal" align="left"><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1" lang="MS">Oleh</span></span><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1" lang="MS"> <span class="scayt-misspell">KHAIRUDDIN</span> <span class="scayt-misspell">MOHD</span> <span class="scayt-misspell">AMIN</span> <span class="scayt-misspell">dan</span> <span class="scayt-misspell">AINUL</span> <span class="scayt-misspell">ASNIERA</span> <span class="scayt-misspell">AHSAN</span><br /><span class="scayt-misspell">bisnes.utusan@gmail.com</span><o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">KUALA LUMPUR 18 Nov. - Bank </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Negara</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> Malaysia (</span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">BNM</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">) </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">hari</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">ini</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">mengumumkan</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Garis</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Panduan</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Amalan</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Pembiayaan</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Bertanggungjawab</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> yang </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">menetapkan</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">kelayakan</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">permohonan</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">pinjaman</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> bank </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">perlu</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">berdasarkan</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">pendapatan</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">bersih</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">dan</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">bukan</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">lagi</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">pendapatan</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">kasar</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">pemohon</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">, </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">berkuatkuasa</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> 1 </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Januari</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> </span></span><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">ini</span></span><span class="intro"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> .</span></span><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"><o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Dalam</span></span><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> <span class="scayt-misspell">usaha</span> <span class="scayt-misspell">mengurangkan</span> <span class="scayt-misspell">hutang</span> <span class="scayt-misspell">isi</span> <span class="scayt-misspell">rumah</span> <span class="scayt-misspell">di</span> <span class="scayt-misspell">negara</span> <span class="scayt-misspell">ini</span> yang <span class="scayt-misspell">masih</span> <span class="scayt-misspell">terkawal</span>, <span class="scayt-misspell">BNM</span> <span class="googqs-tidbit1">juga</span> <span class="googqs-tidbit1">mengehadkan</span> <span class="googqs-tidbit1">tempoh</span> <span class="googqs-tidbit1">pembiayaan</span> <span class="googqs-tidbit1">pinjaman</span> <span class="googqs-tidbit1">kenderaan</span> <span class="googqs-tidbit1">hanya</span> <span class="googqs-tidbit1">selama</span> <span class="googqs-tidbit1">sembilan</span> <span class="googqs-tidbit1">tahun</span> <span class="googqs-tidbit1">berbanding 11</span> <span class="scayt-misspell">tahun</span> <span class="scayt-misspell">bagi</span> <span class="scayt-misspell">permohonan</span> yang <span class="scayt-misspell">diterima</span> <span class="scayt-misspell">mulai</span> <span class="scayt-misspell">hari</span> <span class="scayt-misspell">ini</span>.<o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Di <span class="scayt-misspell">bawah</span> <span class="scayt-misspell">garis</span> <span class="scayt-misspell">panduan</span> <span class="scayt-misspell">tanggungjawab</span> <span class="scayt-misspell">pembiayaan</span> <span class="scayt-misspell">baharu</span> <span class="scayt-misspell">itu</span>, <span class="scayt-misspell">permohonan</span> <span class="scayt-misspell">pemohon</span> <span class="scayt-misspell">juga</span> <span class="scayt-misspell">dinilai</span> <span class="scayt-misspell">berdasarkan</span> <span class="scayt-misspell">potongan</span> <span class="scayt-misspell">caruman</span> <span class="scayt-misspell">Kumpulan</span> Wang <span class="scayt-misspell">Simpanan</span> <span class="scayt-misspell">Pekerja</span> (<span class="scayt-misspell">KWSP</span>) <span class="scayt-misspell">dan</span> <span class="scayt-misspell">cukai</span> <span class="scayt-misspell">serta</span> <span class="scayt-misspell">mengambil</span> <span class="scayt-misspell">kira</span> <span class="scayt-misspell">semua</span> <span class="scayt-misspell">tanggungan</span> <span class="scayt-misspell">hutang</span> <span class="scayt-misspell">semasa</span>, <span class="scayt-misspell">kata</span> <span class="scayt-misspell">Gabenor</span> <span class="scayt-misspell">BNM</span>, Tan Sri <span class="scayt-misspell">Zeti</span> <span class="scayt-misspell">Akhtar</span> Aziz <span class="scayt-misspell">hari</span> <span class="scayt-misspell">ini</span>.<o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Katanya</span></span><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">, <span class="scayt-misspell">permohonan</span> <span class="scayt-misspell">itu</span>, <span class="scayt-misspell">bagaimanapun</span> <span class="scayt-misspell">hanya</span> <span class="scayt-misspell">melibatkan</span> <span class="scayt-misspell">segmen</span> <span class="scayt-misspell">runcit</span> <span class="scayt-misspell">seperti</span> <span class="scayt-misspell">pembiayaan</span> <span class="scayt-misspell">kediaman</span>, <span class="scayt-misspell">kenderaan</span>, <span class="scayt-misspell">kad</span> <span class="scayt-misspell">kredit</span> <span class="scayt-misspell">dan</span> <span class="scayt-misspell">kad</span> <span class="scayt-misspell">caj</span>, <span class="scayt-misspell">pinjaman</span> <span class="scayt-misspell">peribadi</span> <span class="scayt-misspell">termasuk</span> <span class="scayt-misspell">kemudahan</span> <span class="scayt-misspell">overdraf</span> <span class="scayt-misspell">dan</span> <span class="scayt-misspell">pembiayaan</span> <span class="scayt-misspell">bagi</span> <span class="scayt-misspell">pembelian</span> <span class="scayt-misspell">sekuriti</span> <span class="scayt-misspell">kecuali</span> <span class="scayt-misspell">pembiayaan</span> margin <span class="scayt-misspell">saham</span>.<o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Beliau</span></span><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> <span class="scayt-misspell">berkata</span>, <span class="scayt-misspell">kesemua</span> <span class="scayt-misspell">pendekatan</span> <span class="scayt-misspell">itu</span> <span class="scayt-misspell">adalah</span> <span class="scayt-misspell">sejajar</span> <span class="scayt-misspell">dengan</span> <span class="scayt-misspell">amalan</span> <span class="scayt-misspell">semasa</span> <span class="scayt-misspell">tetapi</span> <span class="scayt-misspell">dengan</span> <span class="scayt-misspell">garis</span> <span class="scayt-misspell">panduan</span> <span class="scayt-misspell">ini</span> <span class="scayt-misspell">memastikan</span> <span class="scayt-misspell">institusi</span> <span class="scayt-misspell">kewangan</span> <span class="scayt-misspell">tidak</span> <span class="scayt-misspell">melonggarkan</span> <span class="scayt-misspell">prinsip</span> <span class="scayt-misspell">amalan</span> <span class="scayt-misspell">pembiayaan</span> <span class="scayt-misspell">berhemat</span> <span class="scayt-misspell">dan</span> <span class="scayt-misspell">bertanggungjawab</span>.<o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">BNM</span></span><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> <span class="scayt-misspell">menegaskan</span> <span class="scayt-misspell">garis</span> <span class="scayt-misspell">panduan</span> <span class="scayt-misspell">ini</span> <span class="scayt-misspell">bukan</span> <span class="scayt-misspell">sahaja</span> <span class="scayt-misspell">perlu</span> <span class="scayt-misspell">dipatuhi</span> <span class="scayt-misspell">oleh</span> <span class="scayt-misspell">institusi</span> <span class="scayt-misspell">perbankan</span> <span class="scayt-misspell">di</span> <span class="scayt-misspell">bawah</span> <span class="scayt-misspell">pengawasan</span> Bank <span class="scayt-misspell">Pusat</span> <span class="scayt-misspell">itu</span>, <span class="scayt-misspell">tetapi</span> <span class="scayt-misspell">juga</span> <span class="scayt-misspell">oleh</span> <span class="scayt-misspell">Suruhanjaya</span> <span class="scayt-misspell">Syarikat</span> <span class="scayt-misspell">Awam</span>, Malaysia Building <span class="scayt-misspell">Sosiety</span> <span class="scayt-misspell">Bhd</span>. (<span class="scayt-misspell">MBSB</span>) <span class="scayt-misspell">dan</span> <span class="scayt-misspell">Angkatan</span> <span class="scayt-misspell">Koperasi</span> <span class="scayt-misspell">Kebangsaan</span> (M) <span class="scayt-misspell">Bhd</span>.<o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">''<span class="scayt-misspell">Garis</span> <span class="scayt-misspell">Panduan</span> <span class="scayt-misspell">ini</span> <span class="scayt-misspell">diperkenalkan</span> <span class="scayt-misspell">supaya</span> <span class="scayt-misspell">kedudukan</span> <span class="scayt-misspell">hutang</span> <span class="scayt-misspell">isi</span> <span class="scayt-misspell">rumah</span> <span class="scayt-misspell">di</span> <span class="scayt-misspell">negara</span> <span class="scayt-misspell">ini</span> <span class="scayt-misspell">lebih</span> <span class="scayt-misspell">terurus</span>. <span class="scayt-misspell">Setakat</span> <span class="scayt-misspell">ini</span> <span class="scayt-misspell">tahap</span> <span class="scayt-misspell">hutang</span> <span class="scayt-misspell">isi</span> <span class="scayt-misspell">rumah</span> <span class="scayt-misspell">tidak</span> <span class="scayt-misspell">membimbangkan</span>.<o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">''Kita <span class="scayt-misspell">tidak</span> <span class="scayt-misspell">mahu</span> <span class="scayt-misspell">kegagalan</span> <span class="scayt-misspell">amalan</span> <span class="scayt-misspell">kredit</span> <span class="scayt-misspell">mencetuskan</span> <span class="scayt-misspell">kegagalan</span> <span class="scayt-misspell">dalam</span> <span class="scayt-misspell">sistem</span> <span class="scayt-misspell">kewangan</span> <span class="scayt-misspell">kerana</span> <span class="scayt-misspell">sistem</span> <span class="scayt-misspell">kewangan</span> <span class="scayt-misspell">saling</span> <span class="scayt-misspell">berkait</span> <span class="scayt-misspell">dengan</span> <span class="scayt-misspell">ekonomi</span>,'' <span class="scayt-misspell">katanya</span> <span class="scayt-misspell">pada</span> <span class="scayt-misspell">sidang</span> <span class="scayt-misspell">akhbar</span> <span class="scayt-misspell">selepas</span> <span class="scayt-misspell">mengumumkan</span> <span class="scayt-misspell">prestasi</span> <span class="scayt-misspell">ekonomi</span> <span class="scayt-misspell">negara</span> <span class="scayt-misspell">pada</span> <span class="scayt-misspell">suku</span> <span class="scayt-misspell">ketiga</span> 2011.<o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Kadar</span></span><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> <span class="scayt-misspell">nisbah</span> <span class="scayt-misspell">hutang</span> <span class="scayt-misspell">tertunggak</span> <span class="scayt-misspell">adalah</span> 1.99 <span class="scayt-misspell">peratus</span> <span class="scayt-misspell">dan</span> <span class="scayt-misspell">mungkir</span> <span class="scayt-misspell">pembayaran</span> <span class="scayt-misspell">dalam</span> <span class="scayt-misspell">tempoh</span> <span class="scayt-misspell">satu</span> <span class="scayt-misspell">hingga</span> <span class="scayt-misspell">dua</span> <span class="scayt-misspell">bulan</span> <span class="scayt-misspell">adalah</span> <span class="scayt-misspell">empat</span> <span class="scayt-misspell">peratus</span> <span class="scayt-misspell">sahaja</span>.<o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Sehingga</span></span><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> September 2011, <span class="scayt-misspell">kadar</span> <span class="scayt-misspell">tahunan</span> <span class="scayt-misspell">pinjaman</span> <span class="scayt-misspell">isi</span> <span class="scayt-misspell">rumah</span> <span class="scayt-misspell">kini</span> <span class="scayt-misspell">meningkat</span> 11.4 <span class="scayt-misspell">peratus</span> <span class="scayt-misspell">dan</span> <span class="scayt-misspell">nisbah</span> <span class="scayt-misspell">hutang</span> <span class="scayt-misspell">isi</span> <span class="scayt-misspell">rumah</span> <span class="scayt-misspell">kepada</span> <span class="scayt-misspell">Keluaran</span> <span class="scayt-misspell">Dalam</span> <span class="scayt-misspell">Negara</span> <span class="scayt-misspell">Kasar</span> <span class="scayt-misspell">adalah</span> <span class="scayt-misspell">sebanyak</span> 77.6 <span class="scayt-misspell">peratus</span>.<o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Beliau</span></span><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> <span class="scayt-misspell">menjelaskan</span> <span class="scayt-misspell">peningkatan</span> <span class="scayt-misspell">hutang</span> <span class="scayt-misspell">isi</span> <span class="scayt-misspell">rumah</span> <span class="scayt-misspell">negara</span> <span class="scayt-misspell">semasa</span> <span class="scayt-misspell">disokong</span> <span class="scayt-misspell">oleh</span> <span class="scayt-misspell">pertambahan</span> <span class="scayt-misspell">pendapatan</span> <span class="scayt-misspell">secara</span> <span class="scayt-misspell">stabil</span> <span class="scayt-misspell">dan</span> <span class="scayt-misspell">kedudukan</span> <span class="scayt-misspell">pekerjaan</span> yang <span class="scayt-misspell">baik</span>.<o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Sejumlah</span></span><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> 64 <span class="scayt-misspell">peratus</span> <span class="scayt-misspell">pinjaman</span> <span class="scayt-misspell">digunakan</span> <span class="scayt-misspell">bagi</span> <span class="scayt-misspell">pembelian</span> <span class="scayt-misspell">aset</span> <span class="scayt-misspell">seperti</span> <span class="scayt-misspell">kediaman</span> <span class="scayt-misspell">dan</span> <span class="scayt-misspell">kenderaan</span>.<o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Zeti</span></span><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> <span class="scayt-misspell">berkata</span>, <span class="scayt-misspell">garis</span> <span class="scayt-misspell">panduan</span> <span class="scayt-misspell">baharu</span> <span class="scayt-misspell">itu</span> <span class="scayt-misspell">tidak</span> <span class="scayt-misspell">akan</span> <span class="scayt-misspell">menjejaskan</span> <span class="scayt-misspell">sektor</span> <span class="scayt-misspell">pinjaman</span> yang <span class="scayt-misspell">merupakan</span> <span class="scayt-misspell">antara</span> <span class="scayt-misspell">faktor</span> <span class="scayt-misspell">utama</span> <span class="scayt-misspell">memacu</span> <span class="scayt-misspell">ekonomi</span> <span class="scayt-misspell">negara</span> <span class="scayt-misspell">selain</span> <span class="scayt-misspell">mengekang</span> <span class="scayt-misspell">aktiviti</span> <span class="scayt-misspell">pinjaman</span> <span class="scayt-misspell">haram</span> yang <span class="scayt-misspell">boleh</span> <span class="scayt-misspell">menjejaskan</span> <span class="scayt-misspell">ekonomi</span> <span class="scayt-misspell">secara</span> <span class="scayt-misspell">keseluruhannya</span>.<o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Katanya</span></span><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">, <span class="scayt-misspell">garis</span> <span class="scayt-misspell">panduan</span> <span class="scayt-misspell">baharu</span> <span class="scayt-misspell">itu</span> <span class="scayt-misspell">dilaksanakan</span> <span class="scayt-misspell">untuk</span> <span class="scayt-misspell">menyemai</span> <span class="scayt-misspell">amalan</span> <span class="scayt-misspell">tanggungjawab</span> <span class="scayt-misspell">pinjaman</span> <span class="scayt-misspell">oleh</span> <span class="scayt-misspell">institusi</span> <span class="scayt-misspell">kewangan</span> yang <span class="scayt-misspell">berurusan</span> <span class="scayt-misspell">dengan</span> <span class="scayt-misspell">pelanggan</span> <span class="scayt-misspell">runcit</span>.<o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Ia</span></span><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> <span class="scayt-misspell">turut</span> <span class="scayt-misspell">mempromosi</span> <span class="scayt-misspell">sikap</span> <span class="scayt-misspell">pinjaman</span> <span class="scayt-misspell">bertanggungjawab</span> <span class="scayt-misspell">untuk</span> <span class="scayt-misspell">merangsang</span> <span class="scayt-misspell">pasaran</span> <span class="scayt-misspell">kredit</span> yang <span class="scayt-misspell">sihat</span> <span class="scayt-misspell">dan</span> <span class="scayt-misspell">kekal</span>, <span class="scayt-misspell">sekali</span> <span class="scayt-misspell">gus</span> <span class="scayt-misspell">menyumbang</span> <span class="scayt-misspell">kepada</span> <span class="scayt-misspell">kestabilan</span> <span class="scayt-misspell">kewangan</span> <span class="scayt-misspell">dan</span> <span class="scayt-misspell">ekonomi</span> <span class="scayt-misspell">serta</span> <span class="scayt-misspell">memperkukuhkan</span> <span class="scayt-misspell">kepentingan</span> <span class="scayt-misspell">pengguna</span>.<o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><span class="scayt-misspell"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Berikutan</span></span><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1"> <span class="scayt-misspell">itu</span>, <span class="scayt-misspell">di</span> <span class="scayt-misspell">bawah</span> <span class="scayt-misspell">syarat</span> <span class="scayt-misspell">garis</span> <span class="scayt-misspell">panduan</span> <span class="scayt-misspell">tersebut</span>, <span class="scayt-misspell">institusi</span> <span class="scayt-misspell">perbankan</span> <span class="scayt-misspell">perlu</span> <span class="scayt-misspell">memastikan</span> <span class="scayt-misspell">produk</span> <span class="scayt-misspell">pembiayaan</span> yang <span class="scayt-misspell">ditawarkan</span> <span class="scayt-misspell">adalah</span> <span class="scayt-misspell">sesuai</span> <span class="scayt-misspell">dan</span> <span class="scayt-misspell">mampu</span> <span class="scayt-misspell">memenuhi</span> <span class="scayt-misspell">keperluan</span> <span class="scayt-misspell">kewangan</span> <span class="scayt-misspell">pelanggan</span>.<o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><b style="mso-bidi-font-weight: normal"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Sumber 2 : http://www.radioinformasi.com/2011/11/24/pinjaman-bank-syarat-semakin-susah-bermula-1-januari-2012/<o:p></o:p></span></b></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 18pt" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN">Bermula awal tahun 2012, pinjaman bank akan mula diperketatkan dalam erti lain, makin sukar untuk mendapatkan pinjaman bank.<o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: -18pt; MARGIN: 0mm 0mm 0pt 9.4pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 135%; FONT-FAMILY: Symbol; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol; mso-themecolor: background1" lang="EN"><span style="mso-list: Ignore">·<span style="FONT: 7pt 'Times New Roman'"> </span></span></span><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN">Berkuat kuasa 1 Januari 2012<o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: -18pt; MARGIN: 0mm 0mm 0pt 9.4pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 135%; FONT-FAMILY: Symbol; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol; mso-themecolor: background1" lang="EN"><span style="mso-list: Ignore">·<span style="FONT: 7pt 'Times New Roman'"> </span></span></span><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN">Bank perlu beri maklumat terperinci pinjaman<o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: -18pt; MARGIN: 0mm 0mm 0pt 9.4pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 135%; FONT-FAMILY: Symbol; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol; mso-themecolor: background1" lang="EN"><span style="mso-list: Ignore">·<span style="FONT: 7pt 'Times New Roman'"> </span></span></span><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN">Ambil kira pendapatan bersih<o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 18pt" class="MsoNormal" align="left"><i><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN">KUALA LUMPUR: Institusi kewangan tempatan akan membuat penilaian lebih ketat terhadap kemampuan pembayaran balik individu yang memohon mendapatkan pinjaman bank, berkuat kuasa 1 Januari depan. Di bawah garis panduan baru Bank Negara Malaysia, institusi kewangan kini perlu mengambil kira pendapatan bersih, iaitu selepas ditolak potongan wajib seperti caruman Kumpulan Wang Simpanan Pekerja (KWSP), potongan cukai berjadual (PCB) serta semua tanggungan hutang lain ketika menilai kemampuan pemohon membayar balik pinjaman.</span></i><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN"><o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 18pt" class="MsoNormal" align="left"><i><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN">Sebelum ini institusi kewangan hanya mengambil kira jumlah pendapatan kasar.</span></i><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN"> (Sumber : Berita Harian)<o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 18pt" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN">Antara garis panduan terbaru Bank Negara Malaysia kepada semua intitusi kewangan di Malaysia, supaya hanya menawarkan pinjaman bank kepada yang benar-benar layak sahaja, antaranya ialah :<o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: -18pt; MARGIN: 0mm 0mm 0pt 9.4pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l1 level1 lfo2; tab-stops: list 36.0pt" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 135%; FONT-FAMILY: Symbol; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol; mso-themecolor: background1" lang="EN"><span style="mso-list: Ignore">·<span style="FONT: 7pt 'Times New Roman'"> </span></span></span><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN">Pihak bank mesti pastikan pemohon pinjaman bank benar-benar faham dan jelas tentang jumlah bayaran balik yang perlu diselesaikan peminjam, jumlah kos kadar faedah yang akan ditanggung sepanjang tempoh pembiayaan, risiko pinjaman bank, serta kesan kenaikan kadar faedah terhadap pembiayaan yang diambil sehingga peminjam benar-benar yakin dengan keputusan yang dibuatnya<o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: -18pt; MARGIN: 0mm 0mm 0pt 9.4pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l1 level1 lfo2; tab-stops: list 36.0pt" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 135%; FONT-FAMILY: Symbol; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol; mso-themecolor: background1" lang="EN"><span style="mso-list: Ignore">·<span style="FONT: 7pt 'Times New Roman'"> </span></span></span><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN">Manakala institusi kewangan mesti memberikan maklumat terperinci mengenai produk pembiayaan yang dimohon<o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: -18pt; MARGIN: 0mm 0mm 0pt 9.4pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l1 level1 lfo2; tab-stops: list 36.0pt" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 135%; FONT-FAMILY: Symbol; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol; mso-themecolor: background1" lang="EN"><span style="mso-list: Ignore">·<span style="FONT: 7pt 'Times New Roman'"> </span></span></span><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN">Garis panduan ini baru oleh Bank Negara ini tertakluk kepada :<o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: -18pt; MARGIN: 0mm 0mm 0pt 9.4pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l1 level1 lfo2; tab-stops: list 36.0pt" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 135%; FONT-FAMILY: Symbol; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol; mso-themecolor: background1" lang="EN"><span style="mso-list: Ignore">·<span style="FONT: 7pt 'Times New Roman'"> </span></span></span><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN">Semua permohonan baru yang dibuat oleh individu dan pemilik tunggal perniagaan untuk produk pinjaman perumahan<o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: -18pt; MARGIN: 0mm 0mm 0pt 9.4pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l1 level1 lfo2; tab-stops: list 36.0pt" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 135%; FONT-FAMILY: Symbol; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol; mso-themecolor: background1" lang="EN"><span style="mso-list: Ignore">·<span style="FONT: 7pt 'Times New Roman'"> </span></span></span><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN">Pinjaman kereta<o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: -18pt; MARGIN: 0mm 0mm 0pt 9.4pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l1 level1 lfo2; tab-stops: list 36.0pt" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 135%; FONT-FAMILY: Symbol; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol; mso-themecolor: background1" lang="EN"><span style="mso-list: Ignore">·<span style="FONT: 7pt 'Times New Roman'"> </span></span></span><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN">Kad kredit dan kad caj<o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: -18pt; MARGIN: 0mm 0mm 0pt 9.4pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l1 level1 lfo2; tab-stops: list 36.0pt" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 135%; FONT-FAMILY: Symbol; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol; mso-themecolor: background1" lang="EN"><span style="mso-list: Ignore">·<span style="FONT: 7pt 'Times New Roman'"> </span></span></span><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN">Pinjaman peribadi termasuk overdraf<o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: -18pt; MARGIN: 0mm 0mm 0pt 9.4pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l1 level1 lfo2; tab-stops: list 36.0pt" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 135%; FONT-FAMILY: Symbol; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol; mso-themecolor: background1" lang="EN"><span style="mso-list: Ignore">·<span style="FONT: 7pt 'Times New Roman'"> </span></span></span><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN">Pembiayaan untuk beli saham kecuali pembiayaan margin saham yang tertakluk kepada peraturan Bursa Malaysia<o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 18pt" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN">Dan kalau sebelum ini kita banyak melihat pinjaman kereta mampu melangkaui lebih 9 tahun, bermula awal tahun 2011 tiada lagi pinjaman kereta melebihi 9 tahun dan 9 tahun adalah tempoh pinjaman maksimum yang dibenarkan. Nampaknya hanya angka 9 tahun yang mampu dipertahankan untuk pinjaman kereta, menampakkan itu sahaja kemampuan kebanyakan rakyat Malaysia membeli kereta-kereta yang ada di Malaysia sekarang, baik kereta Nasional mahupun kereta import.<o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 18pt" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN">Bagi kami langkah Bank Negara kali ini, kami agak bersetuju walaupun kami tahu ianya memang pahit untuk ditelan kerana sekarang ini :<o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 0pt" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN">■Kadar NPL makin meruncing<br />■Kebanyakan pinjaman peribadi contohnya digunakan dengan sewenang-wenangnya untuk “tujuan-tujuan yang tidak berfaedah”. Tidak perlu kami huraikan, kami rasa anda-anda semua lebih mengetahuinya<br />■Diharapkan apabila kemudahan kredit dikurangkan, sekurang-kurangnya harga rumah akan jatuh sedikit demi sedikit dan kembali ke paras yang munasabah walaupun hakikatnya kelompok daripada REDHA tidak akan mudah “merestuinya”<br />■Elakkan lebih ramai muda-mudi daripada termasuk kelompok “blacklist”<o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 0pt" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN"><o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 0pt" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN"><o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; MARGIN: 0mm 0mm 0pt" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 150%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN">Sumber 3 : </span><b style="mso-bidi-font-weight: normal"><span style="LINE-HEIGHT: 150%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1" lang="MS">http://www.bharian.com.my/articles/Syaratbankketat/Article/<o:p></o:p></span></b></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: 135%; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 0pt" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 135%; FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1" lang="EN"><o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: normal; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 0pt" class="MsoNormal" align="left"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1">KUALA LUMPUR: Institusi kewangan tempatan akan membuat penilaian lebih ketat terhadap kemampuan pembayaran balik individu yang memohon mendapatkan pembiayaan, berkuat kuasa 1 Januari depan.<o:p></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: normal; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 0pt" class="MsoNormal" align="left"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-ansi-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-themecolor: background1"><o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Di bawah garis panduan baru Bank Negara Malaysia semalam, institusi kewangan kini perlu mengambil kira pendapatan bersih, iaitu selepas ditolak potongan wajib seperti caruman Kumpulan Wang Simpanan Pekerja (KWSP), potongan cukai berjadual (PCB) serta semua tanggungan hutang lain ketika menilai kemampuan pemohon membayar balik pinjaman.<br /><br />Sebelum ini institusi kewangan hanya mengambil kira jumlah pendapatan kasar.<br /><br />Bagi memastikan seseorang pemohon pinjaman benar-benar memahami implikasi tanggungan pembiayaan yang bakal diambil, seterusnya membantu mereka membuat keputusan yang betul, garis panduan itu turut menetapkan supaya institusi kewangan memberikan maklumat terperinci mengenai produk pembiayaan yang dimohon.<br /><br />Ia termasuk jumlah bayaran balik yang perlu diselesaikan peminjam, jumlah kos kadar faedah yang akan ditanggung sepanjang tempoh pembiayaan, serta kesan kenaikan kadar faedah terhadap pembiayaan yang diambil.<br />Garis panduan itu akan digunakan institusi kewangan bagi semua permohonan baru yang dibuat oleh individu dan pemilik tunggal perniagaan untuk produk pembiayaan rumah, kenderaan, kad kredit dan kad caj, pembiayaan peribadi termasuk overdraf serta pembiayaan untuk membeli saham kecuali pembiayaan margin saham yang tertakluk kepada peraturan Bursa Malaysia.<br /><br />Bagi pembiayaan kereta, selain penilaian kemampuan bayaran balik pemohon yang lebih ketat, garis panduan itu turut mengehadkan tempoh pembayaran balik maksimum sembilan tahun.<br /><br />Syarat yang berkuat kuasa serta-merta itu dibuat kerana Bank Negara berpendapat, tempoh pembiayaan maksimum itu adalah sesuai dengan jangka hayat purata sesebuah kenderaan.<br /><br />Ketika ini ada institusi kewangan yang menawarkan tempoh bayaran balik yang lebih panjang.<br /><br />Bank Negara dalam kenyataannya semalam berkata, garis panduan baru itu diperkenalkan bertujuan menggalakkan amalan memberikan pembiayaan secara berhemah, bertanggungjawab dan telus di kalangan institusi kewangan tempatan.<br /><br />Bank pusat itu berkata, selain institusi kewangan yang diletakkan di bawah skop Bank Negara, Suruhanjaya Koperasi akan turut melaksanakan garis panduan itu ke atas semua koperasi yang menyediakan pembiayaan kepada ahlinya.<br /><br />Setakat akhir tahun lalu, pinjaman yang dikeluarkan kepada isi rumah berjumlah RM74.4 bilion dengan majoritinya adalah bagi tujuan membeli aset seperti rumah dan kenderaan.<o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Sumber lain :<o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">http://beritasemasa.com/pinjaman-bank-syarat-pembiayaan<o:p></o:p></span></p><br /><p style="mso-line-height-alt: 8.15pt"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: white; FONT-SIZE: 10pt; mso-themecolor: background1">Rumusan : Tahun 2012 melihat kepada perkembangan pembelian hartanah dan kenderaan yang lebih mencabar. Perkembangannya mungkin memberikan kesan kepada generasi baru yang ingin membina kehidupan dan juga kepada pemimjam tegar.<o:p></o:p></span></p><br /><p style="LINE-HEIGHT: 8.15pt"><span style="FONT-FAMILY: 'Tahoma', 'sans-serif'; COLOR: white; FONT-SIZE: 7pt; mso-themecolor: background1"><o:p></o:p></span></p><br /><p style="LINE-HEIGHT: 8.15pt"><span style="FONT-FAMILY: 'Tahoma', 'sans-serif'; COLOR: black; FONT-SIZE: 7pt; mso-themecolor: text1"><o:p></o:p></span></p><br /><p></p>KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com0tag:blogger.com,1999:blog-12873365843572854.post-90345190664954203492011-11-14T09:19:00.002+08:002011-11-14T09:29:07.856+08:00Tips KejayaanAssalamulaikum........<br /><br />Rasanya sudah lama tak menjenguk ke Blog sendiri ini. Mungkin sibuk dengan medium lain dan pembelajaran seharian..<br /><br />baru-baru ini terbaca satu keratan berkenaan kejayaan dalam hidup...<br /><br />Cara kebanyakkan orang cina untuk berjaya..<br /><br />1) <strong>Kerja makan gaji itu hanyalah sementara</strong>, Hanya untuk pengalaman berniaga dan bekerja<br /><br />2) <strong>Pelanggan lebih penting dari keuntungan</strong>;<br />Untung jangan letak terlalu maksima, biarlah sedikit tetapi berterusan, pelanggan adalah raja, kehilangan pelanggan adalah satu musibah. Keuntungan boleh dicari, pelanggan setia sukar ditemui.<br /><br />3) <strong>Orang cina jarang bankrup</strong>, kecuali 2 perkara; BERJUDI dan kaki perempuan/ada perempuan simpanan<br /><br />4) <strong>Modal Orang Cina</strong>; satu mangkuk mesti dapat balik 5 mangkuk; Satu mangkuk untuk keluarga, Satu Mangkuk untuk simpanan dan baki TIGA mangkuk untuk modal balik<br /><br />5) <strong>Kalau mereka ditawarkan pinjaman untuk modal</strong>;<br />Mereka akan tanya. berapa bunganya? dan Bukan berapa ansuran tiap-tiap bulan.<br /><br />Kalau difikirkan secara positif, banyak benda yang boleh kita pelajari.. Semoga mendapat ilham dan cetusan untuk berjaya di dalam kehidupan dunia dan akhirat..KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com3tag:blogger.com,1999:blog-12873365843572854.post-47655642132577110002011-07-04T14:44:00.005+08:002011-07-04T15:05:54.027+08:00Miliki rumah terlebih dahulu-Kosmo 4 julai 2011<p style="TEXT-ALIGN: left; LINE-HEIGHT: normal; TEXT-INDENT: 0mm; MARGIN: 12pt 0mm 0pt; BACKGROUND: white; mso-outline-level: 4" class="MsoNormal" align="left"><b><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Trebuchet MS', 'sans-serif'; COLOR: black; FONT-SIZE: 17.5pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Arial" lang="EN">Miliki rumah terlebih dahulu<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></span></i></b></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: normal; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 12pt; BACKGROUND: white" class="MsoNormal" align="left"><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: black; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'" lang="EN">KUALA LUMPUR - Golongan muda yang baru bekerja lebih berminat untuk memiliki kereta, telefon pintar dan gajet terkini termasuk kamera digital yang menelan harga ribuan ringgit berbanding membuat pelaburan berupa rumah kediaman untuk pelaburan masa hadapan.<o:p></o:p></span></i></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: normal; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 12pt; BACKGROUND: white" class="MsoNormal" align="left"><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: black; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'" lang="EN">Jurulatih hartanah, Dr. Shah Razali berkata, nilai pembelian untuk produk-produk berkenaan dijangka susut dalam tempoh yang cepat ekoran peredaran masa dan keperluan pengguna serta pengenalan pelbagai produk terbaharu di pasaran. <o:p></o:p></span></i></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: normal; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 12pt; BACKGROUND: white" class="MsoNormal" align="left"><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: black; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'" lang="EN">Sebaliknya, golongan berkenaan beranggapan bahawa usaha untuk membeli rumah akan dilakukan sekiranya mereka memasuki fasa seterusnya dalam kehidupan mereka iaitu ketika sudah berkeluarga dan mempunyai anak.<o:p></o:p></span></i></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: normal; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 12pt; BACKGROUND: white" class="MsoNormal" align="left"><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: black; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'" lang="EN">"Pada awal bekerja, mereka mempunyai status kewangan yang sihat dan sepatutnya mereka perlu fokus kepada perkara yang boleh membantu meningkatkan pengembangan modal seperti membuat pelaburan hartanah dengan cara membeli rumah untuk disewakan.<o:p></o:p></span></i></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: normal; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 12pt; BACKGROUND: white" class="MsoNormal" align="left"><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: black; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'" lang="EN">"Ketika itu, mereka tidak perlukan modal yang besar dan membeli hartanah di lokasi yang menarik, tetapi cukup dengan sebuah rumah pangsapuri di lokasi strategik untuk disewakan.<o:p></o:p></span></i></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: normal; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 12pt; BACKGROUND: white" class="MsoNormal" align="left"><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: black; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'" lang="EN">"Sekiranya ia merupakan pelaburan yang tepat, maka ia akan mendatangkan aliran tunai yang positif," katanya ketika ditemui selepas majlis pelancaran buku terbaharunya, <span style="mso-bidi-font-style: italic">Jejak Pelabur Hartanah</span> yang diadakan di sini baru-baru ini.<o:p></o:p></span></i></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: normal; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 0pt; BACKGROUND: white" class="MsoNormal" align="left"><b><i><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: black; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'" lang="EN">Ikuti berita selanjutnya di Kosmo! hari ini.</span></i></b><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Arial', 'sans-serif'; COLOR: black; FONT-SIZE: 10pt; mso-ansi-language: EN; mso-fareast-font-family: 'Times New Roman'" lang="EN"><o:p></o:p></span></i></p><br /><p style="MARGIN: 0mm 0mm 0pt" class="MsoNormal"><span style="LINE-HEIGHT: 150%; COLOR: red; FONT-SIZE: 10pt" lang="MS"><o:p><span style="font-family:Calibri;"></span></o:p></span></p><br /><p style="MARGIN: 0mm 0mm 0pt" class="MsoNormal"><span style="LINE-HEIGHT: 150%; COLOR: red; FONT-SIZE: 10pt" lang="MS"><o:p><span style="font-family:Calibri;"></span></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: normal; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 0pt; BACKGROUND: white" class="MsoNormal" align="left"><b><span style="FONT-FAMILY: 'Times New Roman', 'serif'; COLOR: #666666; mso-ansi-language: EN-US; mso-fareast-font-family: 'Times New Roman'">Pagi tadi tertarik dengan satu perbualan di radio Hot FM yang mengatakan tentang artikel di Kosmo berkenaan dengan Pemilikan rumah bagi generasi muda. Penulisan ini amatlah bagus supaya dapat membuka minda para remaja yang baru menempuh alam pekerjaan. Rasanya ramai yang berminat, cuma kurang info tentang perkara ini. Masa aku dulu tidak ada pun info sedemikian. Pada remaja sekarang, tips ini amatlah bagus untuk diikuti.</span></b><span style="FONT-FAMILY: 'Times New Roman', 'serif'; COLOR: #666666; mso-ansi-language: EN-US; mso-fareast-font-family: 'Times New Roman'"><o:p></o:p></span></p><br /><p style="MARGIN: 0mm 0mm 0pt" class="MsoNormal"><span style="LINE-HEIGHT: 150%; COLOR: red; FONT-SIZE: 10pt" lang="MS"><o:p><span style="font-family:Calibri;"></span></o:p></span></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: normal; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 0pt; BACKGROUND: white" class="MsoNormal" align="left"><b><span style="FONT-FAMILY: 'Times New Roman', 'serif'; COLOR: #666666; mso-ansi-language: EN-US; mso-fareast-font-family: 'Times New Roman'">Rata-rata invester muda berupaya memiliki kereta, gadget dll dengan mengaplikasikan banyak teknik yang nyata berkesan. Ada yang menggunakan rumah-rumah lelong/ 2nd untuk dijadikan modal membeli kereta yang di idamkan tanpa perlu membayar ansuran bulanan dengan wang poket sendiri. So.. dengan salah satu teknik ini membantu para remaja untuk memiliki barangan yang diidamkan dengan menggunakan teknik OPM. <o:p></o:p></span></b></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: normal; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 0pt; BACKGROUND: white" class="MsoNormal" align="left"><b><span style="FONT-FAMILY: 'Times New Roman', 'serif'; COLOR: #666666; mso-ansi-language: EN-US; mso-fareast-font-family: 'Times New Roman'"><o:p></o:p></span></b></p><br /><p style="TEXT-ALIGN: left; LINE-HEIGHT: normal; TEXT-INDENT: 0mm; MARGIN: 0mm 0mm 0pt; BACKGROUND: white" class="MsoNormal" align="left"><b><span style="FONT-FAMILY: 'Times New Roman', 'serif'; COLOR: #666666; mso-ansi-language: EN-US; mso-fareast-font-family: 'Times New Roman'">Walaupun kini, banyak dasar dan tindakan kerajaan yang membantutkan sedikit perjalanan invester muda (cth : OD-ASB, rumah ke3..loan70% dll), aku percaya banyak lagi teknik-teknik lain yang boleh di keluarkan untuk tujuan pelaburan. Banyak tips dan cara untuk berjaya terutama di dalam pelaburan hartanah dan emas. Hafizal, Pokli, Pie, Tuah, Faridz, Tuan Bri, Uncle Dodi adalah rakan-rakan pemikir untuk mencari jalan berjaya di dalam kehidupan.</span></b><span style="FONT-FAMILY: 'Times New Roman', 'serif'; COLOR: #666666; mso-ansi-language: EN-US; mso-fareast-font-family: 'Times New Roman'"><o:p></o:p></span></p>KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com1tag:blogger.com,1999:blog-12873365843572854.post-936362950504628532011-06-23T15:09:00.003+08:002011-08-04T10:14:56.858+08:00Status Islamic FinancingPada awal tahun 2011, aku telah setkan pada tahu 2011 ini, semua akaun aku akan menjurus kepada islamic akaun. so.... kini telah 6 bulan berlalu... status terkini adalah<br /><br /><br />1) Akaun Rumah<br />a) Rumah sendiri - <span style="color:#33cc00;">sudah selesai 100% ke Bank Islam<br /></span>b) Rumah Invest1 - 99% proses jual<br />c) Rumah Invest2 - <span style="color:#ff0000;">CIMB Konvensional</span><br />d) rumah invest3 - <span style="color:#33cc00;">CIMB Islamic</span><br />e) Rumah Invest4 - Dalam Proses Jual<br /><br />2) Gaji dan Simpanan - <span style="color:#33cc00;">Telah bertukar ke CIMB islamic dan Bank Islam<br /></span><br />3) Overdraft - <span style="color:#33cc00;">DONE</span><br /><br />4) Part Time - <span style="color:#33cc00;">akaun Maybank Islamic</span><br /><br />5) Credit Card - dalam Proses<br /><br />Semoga Allah memberikan kekuatan untuk terukan hidup dengan islamic financial. Memang banyak dugaan tetapi aku cuba untuk mengatasinyaKEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com8tag:blogger.com,1999:blog-12873365843572854.post-19557219522024937402011-02-13T00:48:00.011+08:002011-02-23T13:18:07.085+08:00Pembangunan VS Nilai Hartanah<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUJg-deHbctsCHqvJK775sRILy_udm_0A9qPsu3FepPcLMxBCLh6yO9kngO0IQFPYPtZcdp6q6fpJn66kAo-Dn3BqSGiGejVkpjqAvKrknBNlsMObNkAKPDXjGUultFXAgme5CboqtIg/s1600/MRT1.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 400px; DISPLAY: block; HEIGHT: 137px; CURSOR: pointer" id="BLOGGER_PHOTO_ID_5572847947201950706" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUJg-deHbctsCHqvJK775sRILy_udm_0A9qPsu3FepPcLMxBCLh6yO9kngO0IQFPYPtZcdp6q6fpJn66kAo-Dn3BqSGiGejVkpjqAvKrknBNlsMObNkAKPDXjGUultFXAgme5CboqtIg/s400/MRT1.jpg" /></a><br /><div><div>Pembangunan tidak boleh lari di sesebuah negeri/negara yang membangun. Pembangunan membantu memajukan sesuatu kawasan secara langsung atau tidak. Nilai hartanah di sesuatu kawasan bergantung kepada pembangunan kawasan tersebut.</div><div></div><div>Baru-baru ini, satu laluan MRT akan diadakan dari Sungai Buloh hinggalah ke KTM Kajang. Secara tak langsung dengan pembinaan MRT ini, kawasan-kawasan yang terlibat seperti kajang, saujana impian, sekamat, sungai kantan, balakong, bandar tun hussien onn, taman suntex, taman cuepacs, plaza phoenix, leisure mall, maluri, semantan, pusat bandar damansara, seksyen 16,17, TTDI, one utama, Dcurve, dataran sunway, kota damansara dan sungai buloh akan meningkat nilainya. semoga ianya akan maju dan berjaya...</div><div></div><div>sumber : cari.com dan kvmrt.com.my</div><div> </div><div></div><div>youtube : <a href="http://www.youtube.com/watch?v=Q2ogDAvnT0M&feature=player_embedded#at=79">http://www.youtube.com/watch?v=Q2ogDAvnT0M&feature=player_embedded#at=79</a> </div></div>KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com7tag:blogger.com,1999:blog-12873365843572854.post-11109427145596205842011-01-21T15:04:00.004+08:002011-01-21T15:18:47.034+08:00Re-alignment Financing 2011<div>Salam,<br /><br />Dah lama benor tak update blog. bukan apa.... cuma banyak keje dan aktif di lain tenpat plak.<br />Tahun ini aku dah berazam untuk mengubah segala financing aku ke islamic financing. Bagi aku sekarang ini, Islamic banking dan financing dah setara dengan konvensional banking. So adalah perlu bagi aku untuk alignment semula akaun aku supaya lebih tenang dan aman.<br /><br />Banyak benda yang nak kena settle. Harapanku 90% dapat diselesaikan pada tahun ini. antara yang perlu diselaraskan adalah;<br /><br />1) akaun rumah2<br />2) akaun gaji dan simpanan<br />3) akaun overdraft-<br />4) akaun part time<br />5) akaun CC<br /><br /><br />Semoga dapat kekuatan untuk mengubah segalanya. Pakdi dan ustaz zaharuddin banyak mengajar aku tentang kepentingan akaun islamic ini. Semoga aku dapat hidayah dari NYA.<br /><br />cabaran dan ujian pertama adalah apabila aku nak refinancing rumah.... dari CIMB ke BIMB. Oleh kerana akaun pinjaman rumah dah lebih dari 2.. maka financing rumah just boleh buat 70%... adehhh.. ini adalah penangan polisi kerajaan yang baru....<br /><br />tapi takpa... pasti ada penyelesaiannya sekiranya niat kita betul....<br /><br />penat juga tulis kat blog nie.... hehhehe<br />selamat petang jumaat<br /><br /><br /></div><div><p style="MARGIN: 0cm 0cm 10pt" class="MsoNormal"><span style="mso-ansi-language: EN" lang="EN"><span style="font-family:Calibri;"><em>Also known as participiant banking <b>Islamic banking</b> refers to a system of </em></span><a title="Banking" href="http://en.wikipedia.org/wiki/Banking"><span style="font-family:Calibri;color:#0000ff;"><em>banking</em></span></a><span style="font-family:Calibri;"><em> or banking activity that is consistent with the principles of </em></span><a title="Sharia" href="http://en.wikipedia.org/wiki/Sharia"><span style="font-family:Calibri;color:#0000ff;"><em>Islamic law</em></span></a><span style="font-family:Calibri;"><em> (Sharia) and its practical application through the development of </em></span><a title="Islamic economics" href="http://en.wikipedia.org/wiki/Islamic_economics"><span style="font-family:Calibri;color:#0000ff;"><em>Islamic economics</em></span></a><span style="font-family:Calibri;"><em>. Sharia prohibits the payment or acceptance of interest fees for loans of money (</em></span><a title="Riba" href="http://en.wikipedia.org/wiki/Riba"><span style="font-family:Calibri;color:#0000ff;"><em>Riba</em></span></a><span style="font-family:Calibri;"><em>, </em></span><a title="Usury" href="http://en.wikipedia.org/wiki/Usury"><span style="font-family:Calibri;color:#0000ff;"><em>usury</em></span></a><span style="font-family:Calibri;"><em>), for specific terms, as well as investing in businesses that provide goods or services considered contrary to its principles (</em></span><a title="Haraam" href="http://en.wikipedia.org/wiki/Haraam"><span style="font-family:Calibri;color:#0000ff;"><em>Haraam</em></span></a><span style="font-family:Calibri;"><em>, forbidden). While these </em></span><a title="Principles" href="http://en.wikipedia.org/wiki/Principles"><span style="font-family:Calibri;color:#0000ff;"><em>principles</em></span></a><span style="font-family:Calibri;"><em> were used as the basis for a flourishing economy in earlier times, it is only in the late 20th century that a number of Islamic banks were formed to apply these principles to </em></span><a title="Private bank" href="http://en.wikipedia.org/wiki/Private_bank"><span style="font-family:Calibri;color:#0000ff;"><em>private</em></span></a><span style="font-family:Calibri;"><em> or semi-private </em></span><a title="Commercial bank" href="http://en.wikipedia.org/wiki/Commercial_bank"><span style="font-family:Calibri;color:#0000ff;"><em>commercial</em></span></a><span style="font-family:Calibri;"><em> institutions within the Muslim community</em></span></span><br /><br /></p><p style="MARGIN: 0cm 0cm 10pt" class="MsoNormal"><span style="mso-ansi-language: EN" lang="EN"><span style="font-family:Calibri;"><em>source : </em><a href="http://en.wikipedia.org/wiki/Islamic_banking">http://en.wikipedia.org/wiki/Islamic_banking</a></span></span><a href="http://halalstock.com/images/ban/amislamic.gif"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 157px; DISPLAY: block; HEIGHT: 116px; CURSOR: hand" border="0" alt="" src="http://halalstock.com/images/ban/amislamic.gif" /></a><br /></p></div><div><span style="font-family:Calibri;"></span><a href="http://www.yayasanpembangunanintelek.com/blog/wp-content/uploads/2010/04/CIMB-Islamic.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 241px; DISPLAY: block; HEIGHT: 59px; CURSOR: hand" border="0" alt="" src="http://www.yayasanpembangunanintelek.com/blog/wp-content/uploads/2010/04/CIMB-Islamic.jpg" /></a><br /><br /><div><a href="http://www.annualreports.com.my/uploads/company_r/logo/146_bankislam-logo.gif"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 238px; DISPLAY: block; HEIGHT: 65px; CURSOR: hand" border="0" alt="" src="http://www.annualreports.com.my/uploads/company_r/logo/146_bankislam-logo.gif" /></a><br /><div><br /><br /><p style="MARGIN: 0cm 0cm 10pt" class="MsoNormal"><span style="mso-ansi-language: EN" lang="EN"><span style="font-family:Calibri;"></span></span></p><br /><br /><br /><p style="MARGIN: 0cm 0cm 10pt" class="MsoNormal"><span style="mso-ansi-language: EN" lang="EN"><span style="font-family:Calibri;"></p><br /><br /><br /><p style="MARGIN: 0cm 0cm 10pt" class="MsoNormal"></span></span></p></div><br /><br /><br /><div></div></div></div>KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com6tag:blogger.com,1999:blog-12873365843572854.post-58567059392467834542010-09-07T13:03:00.003+08:002010-09-07T13:05:35.976+08:00Selamat Hari Raya Aidil Fitri<img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 400px; DISPLAY: block; HEIGHT: 246px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5514032890677809730" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-bVEGKxzgi0y_mu7MoSY3Ygqyl-QUqUmUmVqJhdF-qbnZIyEXt745Osy08FuTwg5U5d9ZOQ6dxPPP1gF4N3jdY5eku4G9ZSPFfLptO7hdm_AgwyuD5LVEv0SkjvIJD_5tXcx6cNZGig/s400/katrayaknam.jpg" /><br /><br /><div>Sempena Hari lebaran 2010 ini, Kami, Khairul Nizam Abdul Maulud, Wan Muzahiah, Aqil Haziq, Fatin Batrisyia, Fakhira Qiasatina dan Fathiah Qaisara ingin mengucapkan Selamat Hari Raya, Maaf Zahir dan Batin</div>KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com3tag:blogger.com,1999:blog-12873365843572854.post-24087353473849979942010-06-02T15:24:00.003+08:002010-06-02T15:30:24.083+08:00PETIKAN KEGANASAN ISRAEL DARI EMAILSalam,<br /><br />Semalam Razali Awang, pemberita TV3 yg pergi ke Gaza baru-baru ni, datang ke my company tu share his experience. Persatuan Islam Pekerja yg anjurkan. Razali ni tiap kali dia bercerita, mesti tersekat2 sebab dia kata dia tak dpt lupakan pengalaman yg dia akan kenang smpai mati. I ada things yg nak share yg buat I tak boleh tido mlm tadi: Mesir Razali kata ni Firaun modern. Nama je Islam tapi dah very secular. Sanggup kencing di dinding2 masjid. Mesir sekat sempadan ..the only way ke Gaza . Makanan dan ubatan2 sume rosak kat sempadan Mesir-Gaza. Sempadan Gaza and Mesir is 14 km long. Kalau lah tak de sekatan, rakyat Palestine takkan kebuluran... "Mesir lebih rela bersempadan dgn Israel drp bersempadan dengan Hamas!" – Apa punya manusia ni, kata Razali Awang. Khutbah Jumaat di Mesir mengharamkan khutbah mengenai keganasan di Gaza .<br /><br />Razali btau rakyat Palestin yg dia interview, kat Malaysia tiap Jumaat kami bacakan Qunut Nazilah dan bersolat hajat demi kesejahteraan rakyat Palestine … Berapa banyak checkpoint dia kena lalui kat Mesir…tapi dgn pertolongan Allah SWT lepas pulak..tapi perit nya..yg mintak rasuah…charge naik bas 500 meter is RM70!!! Memang sekutu kuat Amerika and Israel . (Eee…tak ingin hantar anak gi Al Azhar..lebih baik hantar ke negara Islam lain..UIA pun dah bagus!!!) Gaza ( Palestine ) Terbahagi kepada 2 – Hamas dan Fatah…Belah Fatah ada kasino! Kata wartawan dari Belgium dan Itali, the best strawberry in the world comes from Gaza ! Imam Shafie lahir di sini (sebak pulak bila dengar yg ni). Razali kata rakyat Palestine sgt berpegang teguh kpd ajaran Islam dan mazhab Shafie. Org Palestine sgt baik dan friendly as compared to other Arabs esp yg kat Mesir tu..<br /><br />Moyang Rasulullah SAW dikebumikan dia sini (lupa nama ..tapi dia mention Hashim….) Beautiful country, iklim Mediterranean .boleh kalahkan Los Angeles kalau tak kerana peperangan.. Hamas Memang kalangan yg rela mati sebab mati syahid. Rela mati anytime. Bila bersalam perpisahan dengan Razali dia org ucap "Kalau anda dtg lagi ke sini, adakah kita akan bertemu lagi"…like they know they can die anytime. Tulang2 yg melekat kat dinding bangungan rosak, tak busuk walau dah berminggu! Mayat tak reput langsung, bila kubur dibedil oleh Israel …punyalah jahat manusia, kubur pun nak bedil konon tempat simpan senjata. Hamas ada 25,000 org...tak de senjata canggih tapi yg mati hanya 100 lebih je!! Hamas ni beroperasi di bawah tanah and they are everywhere. They operate in small groups. Isteri kepada yg mati syahid, hanya ada satu misi, utk berperang dan mati syahid supaya dapat jumpa suami semula di syurga.. Bagi mereka, kanak2 yg mati berada di sisi Allah SWT. Menurut seorang ibu yg anak nya mati syahid, hari ni sorang mati, esok lahir lagi seorang bayi..<br /><br />Israel Memang pengecut sebab tak berani perang one to one ngan Hamas. Kat darat hanya duduk dlm kereta kebal. Pastu serang ngan bom pintar, bom fosforus dari jarak jauh. Dia org tau Hamas ada penembak tepat! So, depa takut nak turun dari kereta kebal. Kereta kebal Israel musnahkan tanaman seperti anggur dan pokok zaitun sebab tanaman ni makan masa bertahun nak tumbuh balik. Biar rakyat Palestine kebulur dan tak de sumber pendapatan. Semua resolusi PBB, satu pun Israel tak ikut!!! Ada back-up besar lah katakannn... Rakyat Palestine<br /><br />Sedih Razali tengok dia org rebus rumput sebab dah tak de makanan. Kanak2 tiada cita-cita lain selain dari ingin menjadi pengebom berani mati kerana trauma melihat ahli keluarga dibunuh di depan mata sendiri! Di hospital, pembedahan, jahit kulit ke apa ke…terpaksa dibuat tanpa bius. Sebab ubat dah tak de. Razali kata tak tahan dia tengok budak2 menjerit2 kesakitan bila kepala di jahit! Dia jugak pergi sendiri ke dewan bedah yg telah dibedil dgn bom fosforus ..sebelum serangan ada few doctors sedang bedah pesakit….Razali kata tak de apa yg tinggal ..semua dah jadi abu!!! Ada la nampak serpihan tulang sikit2 here and there…Fosforus ni dia hancurkan kulit dan tulang…Nauzubillah. Ada banyak lagi..but too long to write. Razali Awang memang volunteer nak pergi ke Gaza ...So, inilah yg diceritakan oleh beliau. Satu lagi antara pembekal rifle ke Israel selain dari USA is negara jiran kita ni ha...yg paling dekat...SINGAPURA! So Razali kata kalau kita shopping kat sana mcm kita sokong Israel . So friends, kita terus doa dan berdoa utk keselamatan saudara Islam kita di mana jua mereka berada.. Wasalam. The bellow photos are not a Movie Shooting or Celebrating a festival with crackers... its a school in Gaza .. this is the current situation of the innocent people in Gaza !<br /><br />Make sure you read till last to know what is white phosphorus! and the effect! ( UNRWA SCHOOL IN BEIT LAHIA, GAZA , PALESTINE )<br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhp8uhf99DZe2-d5En5S3sA1CyMDxhxixC7s7k3wFbGTk3K8MDa72leHLF7Mebbge4XqMTxCyCS4OO1XMbAJCntzhmL1jxxB3-t1xf-tef_B8SyuuthFijHpeIiDHgDbV5uQJiCvHpz3Q/s1600/ATT00010.jpg"><img id="BLOGGER_PHOTO_ID_5478075093379717442" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 320px; CURSOR: hand; HEIGHT: 204px; TEXT-ALIGN: center" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhp8uhf99DZe2-d5En5S3sA1CyMDxhxixC7s7k3wFbGTk3K8MDa72leHLF7Mebbge4XqMTxCyCS4OO1XMbAJCntzhmL1jxxB3-t1xf-tef_B8SyuuthFijHpeIiDHgDbV5uQJiCvHpz3Q/s320/ATT00010.jpg" border="0" /></a><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0lXUPR3zVlT1-qGk7QEoBb5ChHwdjTrW-EiJ1vXXmJyNesE7XRZtkf8g5Oie1NDkYKPiwjHWZRfyU3oFEszyjMgK_HmkbLclLczlvqbRGQr79NLHEMCmMs4AbT4DdvtZ73xWPT1Yb5g/s1600/ATT00009.jpg"><img id="BLOGGER_PHOTO_ID_5478075088695352210" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 320px; CURSOR: hand; HEIGHT: 206px; TEXT-ALIGN: center" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0lXUPR3zVlT1-qGk7QEoBb5ChHwdjTrW-EiJ1vXXmJyNesE7XRZtkf8g5Oie1NDkYKPiwjHWZRfyU3oFEszyjMgK_HmkbLclLczlvqbRGQr79NLHEMCmMs4AbT4DdvtZ73xWPT1Yb5g/s320/ATT00009.jpg" border="0" /></a><br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhazbJKARghtSmmrRQHFNvWVkiL9uMcJcVDAfGYn6Rzr7n6rvaXXST0KK_f4VgPLq091chEeMrsR9HKFCtdgkhOG6gcjlmzVWDCef_8P7WG1JK-_YP-XEt1PmOflx7PIoI7sTnqUlZ6yw/s1600/ATT00008.jpg"><img id="BLOGGER_PHOTO_ID_5478075082672463346" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 320px; CURSOR: hand; HEIGHT: 212px; TEXT-ALIGN: center" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhazbJKARghtSmmrRQHFNvWVkiL9uMcJcVDAfGYn6Rzr7n6rvaXXST0KK_f4VgPLq091chEeMrsR9HKFCtdgkhOG6gcjlmzVWDCef_8P7WG1JK-_YP-XEt1PmOflx7PIoI7sTnqUlZ6yw/s320/ATT00008.jpg" border="0" /></a><br /><br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpmsPhalDvY6WbZA9ORQIzikmUnO_yShwvFIi3386t3VHzvkCiyH1rrDXFzwJGefc9Rmhr8xMfOUXXa_dhSDuYkQ9XhZyGsu8R-NHsXxisrTRg4SjBWwuWkdeMY0ox8Tp_PlvaisYuRQ/s1600/ATT00007.jpg"><img id="BLOGGER_PHOTO_ID_5478075074643568450" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 320px; CURSOR: hand; HEIGHT: 224px; TEXT-ALIGN: center" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpmsPhalDvY6WbZA9ORQIzikmUnO_yShwvFIi3386t3VHzvkCiyH1rrDXFzwJGefc9Rmhr8xMfOUXXa_dhSDuYkQ9XhZyGsu8R-NHsXxisrTRg4SjBWwuWkdeMY0ox8Tp_PlvaisYuRQ/s320/ATT00007.jpg" border="0" /></a><br /><br /><br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj631oBkdDLBU2Oe10kk5-pbbVbSaOKemRlJYCo6dzoKZvm4v9Kc6nZvv7f2H4I-WXgKVyiEMUOGtcsArDlEoMXut_kBffhShJ-SuqrKVvR9Bz26anJMZcRHl3EoPVyhxOELvHpJlYYDQ/s1600/ATT00006.jpg"><img id="BLOGGER_PHOTO_ID_5478075069891536290" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 320px; CURSOR: hand; HEIGHT: 214px; TEXT-ALIGN: center" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj631oBkdDLBU2Oe10kk5-pbbVbSaOKemRlJYCo6dzoKZvm4v9Kc6nZvv7f2H4I-WXgKVyiEMUOGtcsArDlEoMXut_kBffhShJ-SuqrKVvR9Bz26anJMZcRHl3EoPVyhxOELvHpJlYYDQ/s320/ATT00006.jpg" border="0" /></a><br /><br /><br /><br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiY6nKMhvvRmhurZrXNf5OVecVsFr2ZMWIhO7HMpDG8opiH-SXnris3TpbaW2yH8mYlgn0515WZxeLGMmV1TBJ9P74oBB5X3sPEMxfkX0qm7kbUcmjQuorXSX0mt27z9P7WYsyg9NhMdHU/s1600/ATT00005.jpg"><img id="BLOGGER_PHOTO_ID_5478074556227095458" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 320px; CURSOR: hand; HEIGHT: 194px; TEXT-ALIGN: center" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiY6nKMhvvRmhurZrXNf5OVecVsFr2ZMWIhO7HMpDG8opiH-SXnris3TpbaW2yH8mYlgn0515WZxeLGMmV1TBJ9P74oBB5X3sPEMxfkX0qm7kbUcmjQuorXSX0mt27z9P7WYsyg9NhMdHU/s320/ATT00005.jpg" border="0" /></a><br /><br /><br /><br /><br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgS7JVJGfmYJOyxeo_GZcCR_AU1BFb1Tekrti3NN5ukq6pZN8vHoJUhSE3H_I57WTv9piVocanM3yKXU-goFL-zTaYp62GI2mhckntDOTwFDc4sNyJ4uDH4CSPFacKFWVVLtFDB0xHVJA/s1600/ATT00004.jpg"><img id="BLOGGER_PHOTO_ID_5478074549919659858" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 320px; CURSOR: hand; HEIGHT: 189px; TEXT-ALIGN: center" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgS7JVJGfmYJOyxeo_GZcCR_AU1BFb1Tekrti3NN5ukq6pZN8vHoJUhSE3H_I57WTv9piVocanM3yKXU-goFL-zTaYp62GI2mhckntDOTwFDc4sNyJ4uDH4CSPFacKFWVVLtFDB0xHVJA/s320/ATT00004.jpg" border="0" /></a><br /><br /><br /><br /><br /><br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSYkHUiBWau3zR6Z697imYwzmP5rSs5y9r3mtl5Ry48s8GRoHlpNWU-R0z0QlRg-7OdU4BqJpPq_2sYkiOZTUgGAJDwANpBiwTL2tf0DGcIT5UXf_WywPLOPGvJD3bBaguLXXF9IcdRw/s1600/ATT00003.jpg"><img id="BLOGGER_PHOTO_ID_5478074540198543874" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 320px; CURSOR: hand; HEIGHT: 211px; TEXT-ALIGN: center" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSYkHUiBWau3zR6Z697imYwzmP5rSs5y9r3mtl5Ry48s8GRoHlpNWU-R0z0QlRg-7OdU4BqJpPq_2sYkiOZTUgGAJDwANpBiwTL2tf0DGcIT5UXf_WywPLOPGvJD3bBaguLXXF9IcdRw/s320/ATT00003.jpg" border="0" /></a><br /><br /><br /><br /><br /><br /><br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhp0Vp0ptl_0WX4lsFRYpQ8pWvro6XcXlMJZPnzcK2rUfGVon-EGAmG33sq4mTSVM9rwa5f-LsIWzQdYaxVxFa3P3K3gwlwhQfHXUE8o605jRefyhFEFhJ9pjPf1_eMpWooENpa223RX9s/s1600/ATT00002.jpg"><img id="BLOGGER_PHOTO_ID_5478074539358111234" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 320px; CURSOR: hand; HEIGHT: 206px; TEXT-ALIGN: center" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhp0Vp0ptl_0WX4lsFRYpQ8pWvro6XcXlMJZPnzcK2rUfGVon-EGAmG33sq4mTSVM9rwa5f-LsIWzQdYaxVxFa3P3K3gwlwhQfHXUE8o605jRefyhFEFhJ9pjPf1_eMpWooENpa223RX9s/s320/ATT00002.jpg" border="0" /></a><br /><br /><br /><br /><br /><br /><br /><br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0iTaJ1sydeeWgIBXzJmKUFX45myUooF0-ecm9i4gNfRiw31f-Ls6sw6EDgfIGbh8AICRdhuKMSGDwtpAMSTiGSMrwDUpwkD-bRRQJxo6Ba1LdV8_VL1v5LQFKPph6F2ZNRDRGEQ2OKw/s1600/ATT00001.jpg"><img id="BLOGGER_PHOTO_ID_5478074533123961602" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 320px; CURSOR: hand; HEIGHT: 197px; TEXT-ALIGN: center" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0iTaJ1sydeeWgIBXzJmKUFX45myUooF0-ecm9i4gNfRiw31f-Ls6sw6EDgfIGbh8AICRdhuKMSGDwtpAMSTiGSMrwDUpwkD-bRRQJxo6Ba1LdV8_VL1v5LQFKPph6F2ZNRDRGEQ2OKw/s320/ATT00001.jpg" border="0" /></a><br /><div> </div></div></div></div></div></div></div></div></div></div>KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com0tag:blogger.com,1999:blog-12873365843572854.post-21927414974772834392010-03-05T09:42:00.001+08:002010-03-05T09:45:33.424+08:00Nasa lancar satelit kaji cuaca berteknologi tinggi GOES-P<p style="MARGIN: 4.8pt 0cm; mso-outline-level: 3" class="MsoNormal"><span style="FONT-FAMILY: 'Verdana', 'sans-serif'; COLOR: black; FONT-SIZE: 6.5pt; mso-fareast-font-family: 'Times New Roman'; mso-fareast-language: MS; mso-bidi-font-family: Arial"><em>WASHINGTON: Nasa hari ini melancarkan satelit meteorologi terkini dan berteknologi canggih yang boleh merakamkan fenomena ribut petir dan keadaan cuaca yang berlaku di bumi.<br /><br />Satelit dikenali sebagai Geostationary Operational Environmental Satellite-P (GOES-P) itu dilancarkan dari Pangkalan Angkasa Cape Canaveral di Florida jam 6.57 petang waktu tempatan (2357 GMT) menerusi roket Delta IV.<br /><br />Roket itu akan membawa satelit berkenaan ke orbit yang terletak 35,406 kilometer dari permukaan bumi. <?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></em></span></p><p style="LINE-HEIGHT: 9.6pt; MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Verdana', 'sans-serif'; COLOR: black; FONT-SIZE: 6.5pt; mso-fareast-font-family: 'Times New Roman'; mso-fareast-language: MS; mso-bidi-font-family: Arial"><o:p><em> </em></o:p></span></p><p style="LINE-HEIGHT: 9.6pt; MARGIN: 0cm 0cm 0pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" class="MsoNormal"><span style="FONT-FAMILY: 'Verdana', 'sans-serif'; COLOR: black; FONT-SIZE: 6.5pt; mso-fareast-font-family: 'Times New Roman'; mso-fareast-language: MS; mso-bidi-font-family: Arial"><script type="text/javascript"><br />innity_country = "MY";<br />innity_client = "17";<br />innity_zone = "761";<br />innity_channel = "";<br />innity_keyword = "";</script><br /><script type="text/javascript" src="http://cdn.innity.com/synd.js"></script><br /><script type="text/javascript" src="http://avn.innity.com/zone/761/161"></script><br /><script type="text/javascript"><br />innity_country = "MY";innity_path = "/201001_2157/9265/";innity_proxy = "proxy_10931";innity_ord = "ord=[timestamp]";</script><br /><script type="text/javascript" src="http://cdn.innity.com/global.js"></script><br /><script type="text/javascript" src="http://m1.innity.net/media/lib/innity.js"></script><br /><script type="text/javascript" src="http://m1.innity.net/media/201001_2157/9265/proxy_10931.js?ord=[timestamp]"></script><em>Dari orbit, GOES-P akan mengumpul data dan menghantarnya ke bumi untuk digunakan oleh saintis bagi memantau keadaan cuaca semasa, membuat ramalan dan memberi amaran mengenai sebarang bencana atau perubahan cuaca dunia.<br /><br />Satelit itu juga berkemampuan untuk mengesan perubahan lautan, suhu bumi, memantau cuaca di angkasa lepas serta kemudahan komunikasi. - AFP</em> </span></p><p style="LINE-HEIGHT: 9.6pt; MARGIN: 0cm 0cm 0pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" class="MsoNormal"><span style="FONT-FAMILY: 'Verdana', 'sans-serif'; COLOR: black; FONT-SIZE: 6.5pt; mso-fareast-font-family: 'Times New Roman'; mso-fareast-language: MS; mso-bidi-font-family: Arial"></span> </p><p style="LINE-HEIGHT: 9.6pt; MARGIN: 0cm 0cm 0pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" class="MsoNormal"><span style="FONT-FAMILY: 'Verdana', 'sans-serif'; COLOR: black; FONT-SIZE: 6.5pt; mso-fareast-font-family: 'Times New Roman'; mso-fareast-language: MS; mso-bidi-font-family: Arial">Banyak Pro n kontra. Apa yang penting kalau ianya digunakan untuk tujuan yang baik. baiklah ia....</span></p><p style="LINE-HEIGHT: 9.6pt; MARGIN: 0cm 0cm 0pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" class="MsoNormal"><span style="FONT-FAMILY: 'Verdana', 'sans-serif'; COLOR: black; FONT-SIZE: 6.5pt; mso-fareast-font-family: 'Times New Roman'; mso-fareast-language: MS; mso-bidi-font-family: Arial">kalaus ebaliknya.. akan binasalah dunia. Ianya satu teknologi yang baru yang mampu merakam fenomena ribut petir yang mana selama ini sukar diramal...<o:p></o:p></span></p>KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com1tag:blogger.com,1999:blog-12873365843572854.post-51776457121993626372010-03-01T14:41:00.004+08:002010-03-01T14:53:27.584+08:00Futsal Game - Geng Livina/ I Z I C vs pilihan Kelab Peminat Li ga Ma Laysia<div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhqX01W8UwKAbTDIob0J9Q78cGgqVYbtyzZLrk8oYNpO3YEQ579b7RcViLqTxbD6jithVoMli6mo5Q8QC428jnGOZqdRQe0eYXuJ8KO1OwaSYS2S-jgypJ4qvfV5BpxeHolgSdtrCIJLA/s1600-h/IMG_4858_resize-1.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 320px; DISPLAY: block; HEIGHT: 213px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5443554487170838338" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhqX01W8UwKAbTDIob0J9Q78cGgqVYbtyzZLrk8oYNpO3YEQ579b7RcViLqTxbD6jithVoMli6mo5Q8QC428jnGOZqdRQe0eYXuJ8KO1OwaSYS2S-jgypJ4qvfV5BpxeHolgSdtrCIJLA/s320/IMG_4858_resize-1.jpg" /></a> bergambar dengan pemenang kategori wanita... kuning dan kuning<br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg13FesQaTRMj07403F8TI84QUp5kuKk7YJhf7CZxg1QMLmibUL_HoFC56co_e_bcIAD7XbxC8yQd-_vNf1KtuJ26KVrDTi_BbTD7_IhdGarkliA9fJRwK5UTFx1x6814UrqGu7Tfiegg/s1600-h/IMG_4845_resize.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 214px; DISPLAY: block; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5443554483203351010" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg13FesQaTRMj07403F8TI84QUp5kuKk7YJhf7CZxg1QMLmibUL_HoFC56co_e_bcIAD7XbxC8yQd-_vNf1KtuJ26KVrDTi_BbTD7_IhdGarkliA9fJRwK5UTFx1x6814UrqGu7Tfiegg/s320/IMG_4845_resize.jpg" /></a><br />medal<br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWI37XWD-bpDMvXHP7jbL0jPSlKPnWADDWFvJuDr_GBE3oZmysgigpj61luQ7ojWWIYe-MMU6N3ImTY_N8o8q_pD4TDWTFXG0QEPLo58OeGW971PpCvqt1KluxLphN9umUXT5VqZfxdw/s1600-h/futsalattop.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 214px; DISPLAY: block; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5443554367253891762" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWI37XWD-bpDMvXHP7jbL0jPSlKPnWADDWFvJuDr_GBE3oZmysgigpj61luQ7ojWWIYe-MMU6N3ImTY_N8o8q_pD4TDWTFXG0QEPLo58OeGW971PpCvqt1KluxLphN9umUXT5VqZfxdw/s320/futsalattop.jpg" /></a> medal<br /><br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj8CVnnc990wWzYgge3i8FbQVF8cmuYnp67BFYHO-uHFem-iKSjHVxKq7U6-U-Obgxx7De0NH1QW_OY1swCpRL-7TRkUhRPzSgMVwxU_4lm01VbSYMaPO_aH1qpNVvT02BufWk23Zf8Xg/s1600-h/DSC03153_resize.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 320px; DISPLAY: block; HEIGHT: 240px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5443554362854226066" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj8CVnnc990wWzYgge3i8FbQVF8cmuYnp67BFYHO-uHFem-iKSjHVxKq7U6-U-Obgxx7De0NH1QW_OY1swCpRL-7TRkUhRPzSgMVwxU_4lm01VbSYMaPO_aH1qpNVvT02BufWk23Zf8Xg/s320/DSC03153_resize.jpg" /></a> bergambar dengan pemain satu pasukan.. cuma farid dewan dah balik rasanya<br /><br /><br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhp_Hl2FxnOmpXl_REtySQyZ7l-d1i45x_lgEvjYbF28EmjZdcwETgPSvD881jdDHXd5_Kv4z3d0Kf-t67lir8qM2WkjQZOoXEk_TK77JmYaoivh8eVVwmRSs2rZ68RsqR5ZFvU_GplqSo/s1600-h/DSC02816_resize.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 320px; DISPLAY: block; HEIGHT: 240px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5443554358963431442" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhp_Hl2FxnOmpXl_REtySQyZ7l-d1i45x_lgEvjYbF28EmjZdcwETgPSvD881jdDHXd5_Kv4z3d0Kf-t67lir8qM2WkjQZOoXEk_TK77JmYaoivh8eVVwmRSs2rZ68RsqR5ZFvU_GplqSo/s320/DSC02816_resize.jpg" /></a> aksi di padang<br /><br /><br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnfrMz0GycNPp3NzE0WEz44bDo8mtbTiUQr-MyrZDIqe8LdcAsgyZgrij1F92q9ZWa4MgArHKfG7yj2Vfh-9DthoHDgqKfVCI9GOlYATBwt3kHQocKUqvtTBgx9y1YE1v9_FePRxgoDRI/s1600-h/DSC02813_resize.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 320px; DISPLAY: block; HEIGHT: 240px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5443554356058443266" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnfrMz0GycNPp3NzE0WEz44bDo8mtbTiUQr-MyrZDIqe8LdcAsgyZgrij1F92q9ZWa4MgArHKfG7yj2Vfh-9DthoHDgqKfVCI9GOlYATBwt3kHQocKUqvtTBgx9y1YE1v9_FePRxgoDRI/s320/DSC02813_resize.jpg" /></a> aksi di padang<br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKFbOWunwG0Md_GvUSC4UN2dG2V0UhvRoNMcdJ1Ni_SMFjdazXCWERXHSJ8hEAoVv5aXznT8ikGkkzHqGkewsZTUnRlCAlgr0Z5nJ4qe5zvSC3UrmASgKfMqKQuUq4-HAYEozZMT51tA/s1600-h/DSC02812_resize.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 240px; DISPLAY: block; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5443554350065908642" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKFbOWunwG0Md_GvUSC4UN2dG2V0UhvRoNMcdJ1Ni_SMFjdazXCWERXHSJ8hEAoVv5aXznT8ikGkkzHqGkewsZTUnRlCAlgr0Z5nJ4qe5zvSC3UrmASgKfMqKQuUq4-HAYEozZMT51tA/s320/DSC02812_resize.jpg" /></a><br /><br /><br /><br /><br /><br /><br /><div></div></div></div></div></div></div><br /></div>KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com0tag:blogger.com,1999:blog-12873365843572854.post-63377695379360889752010-03-01T14:11:00.005+08:002010-03-01T14:41:04.587+08:00GLS Geng Livina Sentral in the news<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjaf2klK72dBNBbsBPz3dJOPjloxWoEKNqyLCbqJcshfahn6YA-lccszyjDIMICsbbUXRg9lw5zk6Gdo2sSSoD351Q_E8Uwk7ilqsRVhOWLgJ-gZeXqLdy67zZRCdGtb_W8P3QUKPec4g/s1600-h/livina.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 257px; DISPLAY: block; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5443551515408103810" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjaf2klK72dBNBbsBPz3dJOPjloxWoEKNqyLCbqJcshfahn6YA-lccszyjDIMICsbbUXRg9lw5zk6Gdo2sSSoD351Q_E8Uwk7ilqsRVhOWLgJ-gZeXqLdy67zZRCdGtb_W8P3QUKPec4g/s320/livina.jpg" /></a><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjFe_K6b488rylk98gGxM60Rkz8VNGLetFP6YBnf8yIlEjIOdkzuMHNkqwC-7aWhUoqSrekQkLCK2nl1LSC2ERQycM-W3Im1h4vCTDSBhUzIuPqVIVIRGvPsrO4sA6xpKhKujGwanIpTbU/s1600-h/utusan1.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 320px; DISPLAY: block; HEIGHT: 206px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5443551511985028162" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjFe_K6b488rylk98gGxM60Rkz8VNGLetFP6YBnf8yIlEjIOdkzuMHNkqwC-7aWhUoqSrekQkLCK2nl1LSC2ERQycM-W3Im1h4vCTDSBhUzIuPqVIVIRGvPsrO4sA6xpKhKujGwanIpTbU/s320/utusan1.jpg" /></a><br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh3QOGYmDW6i3FG2sBr6tLDDmrnbNKEaRpL1btKrt1M6IJhRbSDZgHMYp34KIQUBk8cbRvmSIStr-T8v1vTgHUmbXrE4WLkkeIfcVyrgoXDpK6rz-Wx8Wwo-LhkPyM6ZhnI7kirwmBSzg/s1600-h/UTUSAN2.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 320px; DISPLAY: block; HEIGHT: 243px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5443551502951339554" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh3QOGYmDW6i3FG2sBr6tLDDmrnbNKEaRpL1btKrt1M6IJhRbSDZgHMYp34KIQUBk8cbRvmSIStr-T8v1vTgHUmbXrE4WLkkeIfcVyrgoXDpK6rz-Wx8Wwo-LhkPyM6ZhnI7kirwmBSzg/s320/UTUSAN2.jpg" /></a><br /><br />Kosmo<br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgcRyD3geHpT_yi4pFkEZS38KXTDUNwfUDTMFMQZxhFUImlUDcJeR0kIYWIKmSdlgiviVPj7oKQajMgSW0aYsXXzK3xmHLLTUIlfO1p-1WASkUQG_tSMdYApPgJDU8fDoC43gT9gyWgpw/s1600-h/Kosmo.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 282px; DISPLAY: block; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5443551496650312610" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgcRyD3geHpT_yi4pFkEZS38KXTDUNwfUDTMFMQZxhFUImlUDcJeR0kIYWIKmSdlgiviVPj7oKQajMgSW0aYsXXzK3xmHLLTUIlfO1p-1WASkUQG_tSMdYApPgJDU8fDoC43gT9gyWgpw/s320/Kosmo.jpg" /></a><br /><br /><div><div><div><div><div> </div></div></div></div></div></div></div></div>KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com0tag:blogger.com,1999:blog-12873365843572854.post-49339697209983999482010-03-01T13:45:00.003+08:002010-03-01T14:10:43.789+08:00Kenali Kepintaran Anak Anda<table style="WIDTH: 100%; mso-cellspacing: 1.5pt; mso-yfti-tbllook: 1184" class="MsoNormalTable" border="0" cellpadding="0" width="100%"><tbody><tr style="mso-yfti-irow: 0; mso-yfti-firstrow: yes"><td style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; PADDING-BOTTOM: 0.75pt; BACKGROUND-COLOR: transparent; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0; PADDING-TOP: 0.75pt"><p style="MARGIN: 0cm 0cm 0pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" class="MsoNormal"><b><span style="FONT-FAMILY: 'Times New Roman', 'serif'; FONT-SIZE: 12pt; mso-fareast-font-family: 'Times New Roman'; mso-fareast-language: MS">PENGENALAN</span></b><span style="FONT-FAMILY: 'Times New Roman', 'serif'; FONT-SIZE: 12pt; mso-fareast-font-family: 'Times New Roman'; mso-fareast-language: MS"><br />Siapakah kanak-kanak pintar cerdas? Pelbagai takrifan telah diberikan dalam menjelaskan siapa yang dikatakan kanak-kanak pintar cerdas. Secara umumnya, seorang kanak-kanak yang mempunyai kebolehan kognitif yang jauh lebih tinggi daripada kalangan rakan sebaya dikatakan sebagai seorang kanak-kanak pintar cerdas. Bagaimanapun, mempunyai keupayaan intelek yang luar biasa sama ada memiliki keupayaan intelek yang tinggi dalam satu atau lebih subjek akademik bukanlah satu-satunya ciri bagi seorang kanak-kanak pintar cerdas ini. Ada dalam kalangan kanak-kanak yang dikatakan pintar cerdas adalah kanak-kanak yang mempunyai kebolehan luar biasa dalam bidang sukan, muzik, lukisan atau seni persembahan berbanding dengan rakan sebaya mereka yang lain. Ini bermakna kanak-kanak pintar cerdas bukan sahaja kanak-kanak pintar dari aspek akademik tetapi juga kanak-kanak yang mempunyai kebolehan yang mengkagumkan dalam aspek kesenian dan kesukanan. Oleh itu, kanak-kanak yang mempunyai potensi dan tahap motivasi serta pencapaian yang tinggi dalam aspek intelek, kreativiti, artistik, kebolehan kepimpinan serta mempunyai bakat dalam bidang seni dan muzik juga dilihat sebagai kanak-kanak pintar cerdas. </span></p><p style="MARGIN: 0cm 0cm 0pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" class="MsoNormal"><span style="FONT-FAMILY: 'Times New Roman', 'serif'; FONT-SIZE: 12pt; mso-fareast-font-family: 'Times New Roman'; mso-fareast-language: MS"><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></span> </p></td></tr><tr style="mso-yfti-irow: 1"><td style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; PADDING-BOTTOM: 0.75pt; BACKGROUND-COLOR: transparent; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0; PADDING-TOP: 0.75pt"><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><b><span style="FONT-FAMILY: 'Times New Roman', 'serif'; FONT-SIZE: 12pt; mso-fareast-font-family: 'Times New Roman'; mso-fareast-language: MS">CIRI KANAK-KANAK PINTAR CERDAS</span></b><span style="FONT-FAMILY: 'Times New Roman', 'serif'; FONT-SIZE: 12pt; mso-fareast-font-family: 'Times New Roman'; mso-fareast-language: MS"><br />Walau bagaimanapun, ciri yang dipamerkan oleh seseorang kanak-kanak telah dijadikan sebagai asas oleh sesetengah pakar profesional dalam mengenal pasti kanak-kanak pintar. Proses mengenal pasti kanak-kanak pintar cerdas yang paling mudah ialah dengan hanya melakukan pemerhatian sahaja terhadap tingkah laku kanak-kanak itu. Proses ini bukan sahaja boleh dilakukan oleh seorang ahli akademik yang profesional malah ibu bapa pun mampu mengenal pasti ciri yang terdapat dalam diri anak mereka. Biasanya hasil permerhatian yang diperolehi adalah tepat atau lebih ketara dari kaedah pengenalpastian yang lain kerana ia dilakukan dalam suasana yang selesa bagi kanak-kanak tersebut tanpa banyak gangguan. Banyak ciri yang luar biasa yang ditunjukkan oleh kanak-kanak ini pada usia yang masih muda lagi. Walau bagaimanapun tidak semua ciri ini perlu dimiliki oleh seseorang kanak-kanak untuk dikatakan pintar cerdas. Seseorang kanak-kanak itu tetap dikatakan pintar cerdas walau pun hanya mempamerkan sebahagian dari ciri yang disenaraikan. <o:p></o:p></span></p></td></tr><tr style="mso-yfti-irow: 2"><td style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; PADDING-BOTTOM: 0.75pt; BACKGROUND-COLOR: transparent; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0; PADDING-TOP: 0.75pt"><p style="MARGIN: 0cm 0cm 0pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" class="MsoNormal"><span style="FONT-FAMILY: 'Times New Roman', 'serif'; FONT-SIZE: 12pt; mso-fareast-font-family: 'Times New Roman'; mso-fareast-language: MS">Dalam halaman ini ciri kanak-kanak pintar cerdas yang disenaraikan dibahagikan kepada tujuh domain adalah hasil dari ciri yand disarankan oleh pelbagai pandangan ahli psikologi seperti Gardner, Renzulli, Clark (Gargiulo 2006) dan Sousa (2003). Haruslah diingat bahawa tidak semua ciri tersebut perlu ada dalam diri seseorang kanak-kanak yang dikatakan pintar cerdas. Ciri ini dibahagikan kepada domain-domain: <o:p></o:p></span></p></td></tr><tr style="mso-yfti-irow: 3; mso-yfti-lastrow: yes"><td style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; PADDING-BOTTOM: 0.75pt; BACKGROUND-COLOR: transparent; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0; PADDING-TOP: 0.75pt"><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Times New Roman', 'serif'; FONT-SIZE: 12pt; mso-fareast-font-family: 'Times New Roman'; mso-fareast-language: MS">A. kebolehan intelek yang umum<br />B. kebolehan intelek yang khusus<br />C. pemikiran kreatif<br />D. kepimpinan<br />E. kebolehan psikomotor<br />F. kesenian visual/persembahan<br />G. sosial emosi.<o:p></o:p></span></p></td></tr></tbody></table><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><o:p><span style="font-family:Calibri;"> </span></o:p></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><o:p><span style="font-family:Calibri;"> </span></o:p></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><b><span style="FONT-FAMILY: Times-Bold; mso-bidi-font-family: Times-Bold"><span style="font-family:Calibri;">Kebolehan Intelek yang Umum<o:p></o:p></span></span></b></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">Kanak-kanak dikatakan pintar cerdas, sekiranya mempamerkan ciri kebolehan intelek umum yang<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">lebih tinggi atau luar biasa jika dibandingkan dengan rakan sebayanya. Kanak-kanak ini didapati;<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">1. sangat suka membaca bahan bacaan yang lebih tinggi dari tahap usianya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">2. mempunyai minat yang mendalam dalam sains dan kesusasteraan.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">3. mempunyai emosi yang stabil serta peramah dan mesra.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">4. seorang usahawan yang bersedia untuk melakukan aktiviti atau projek yang menghasilkan<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">wang.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">5. mempunyai disiplin kendiri yang tinggi sehinggalah hanya sedikit sahaja kawalan dari luar<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">yang diperlukan.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: TTE2B95B20t00; mso-bidi-font-family: TTE2B95B20t00"><span style="font-family:Calibri;">6. seorang yang bijak kerana menyelesaikan masalah dengan pelbagai kaedah dan menjawab<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: TTE2B95B20t00; mso-bidi-font-family: TTE2B95B20t00"><span style="font-family:Calibri;">soalan dengan cepat dan tangkas.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: TTE2B95B20t00; mso-bidi-font-family: TTE2B95B20t00"><span style="font-family:Calibri;">7. sangat kreatif dalam menghasilkan idea baru, melihat hubungkait dan menjana inovasi.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">8. mempamerkan perasan ingin tahu yang tinggi serta bijak menerka tentang sesuatu objek,<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">situasi dan peristiwa.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">9. berkebolehan untuk melihat dan mengkagumi sesuatu perkara dengan lebih mendalam.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">10. mendedahkan keaslian ekspresi secara lisan dan bertulis.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">11. mempamerkan kesediaan untuk menerima sesuatu yang kompleks.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">12. tidak hanya sekadar menghafal tetapi berkebolehan menggunakan pengetahuan dan maklumat<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">yang diingati dalam sesuatu situasi yang bersesuaian.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">13. menunjukkan daya pertimbangan yang tinggi dalam menilai sesuatu perkara.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">14. belajar dengan pantas, senang serta lancar dan sering mendapat gred yang baik dalam<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">kebanyakan matapelajaran.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">15. menggunakan banyak logik minda (common sense).<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">16. menggunakan bilangan perkataan yang banyak dengan mudah dan tepat ketika berbicara atau<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">menulis.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">17. bertanya banyak soalan yang provokatif.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">18. berkebolehan memahami perkara abstrak, mengaplikasi konsep dan mensintesisnya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">19. mempunyai minat yang tinggi terhadap hubungan kesan-akibat, struktur, susunan dan<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">konsistensi dalam sesuatu perkara.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">20. mempunyai kebolehan menumpukan perhatian dan tumpuan yang mendalam sehingga<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">mengabaikan yang lain di sekelilingnya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">21. seorang yang tabah dan tidak mengalah serta sangat berdikari.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="font-family:Calibri;"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman">22. </span><span style="FONT-FAMILY: TTE2B95B20t00; mso-bidi-font-family: TTE2B95B20t00">mempunyai tahap tenaga yang tinggi.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: TTE2B95B20t00; mso-bidi-font-family: TTE2B95B20t00"><o:p><span style="font-family:Calibri;"> </span></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><b style="mso-bidi-font-weight: normal"><span style="FONT-FAMILY: TTE18993C0t00; mso-bidi-font-family: TTE18993C0t00"><span style="font-family:Calibri;">Kebolehan Intelek yang Khusus<o:p></o:p></span></span></b></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">Selain dari kebolehan intelek umum, ada juga kanak-kanak yang menunjukkan kebolehan intelek<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">yang khusus terhadap sesuatu bidang. Kanak-kanak yang dikatakan mempunyai kebolehan intelek<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">yang khusus ini didapati;<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">1. menunjukkan ciri yang hampir sama dengan ciri keupayaan intelektual umum tetapi<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">menumpu kepada satu atau beberapa bidang sahaja.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">2. memberikan tumpuan yang mendalam terhadap bidang yang sangat diminatinya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">3. belajar dengan pantas, mudah dan tanpa memerlukan pengulangan dalam satu atau beberapa<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">bidang (tidak semua bidang).<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">4. sangat suka belajar mata pelajaran tertentu sahaja berbanding mata pelajaran yang lain.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">5. menghabiskan tugasan projek yang diminatinya dalam tempoh masa yang lama tanpa dipaksa.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">6. berkebolehan menunjukkan perspektif yang luas dalam satu atau lebih bidang<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: TTE2B95B20t00; mso-bidi-font-family: TTE2B95B20t00"><span style="font-family:Calibri;">7. berkebolehan menilai kebolehan diri sendiri dalam bidang yang minatnya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">8. hanya akan meminta bantuan dari orang lain yang lebih tua umurnya atau rakan sebaya yang<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">mempunyai pengetahuan yang tinggi dalam bidang yang diminatinya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">9. mempunyai kemahiran verbal yang sangat lancar serta memiliki dan sering menggunakan<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">perbendaharaan kata yang tinggi termasuk perkataan uang unik dan baru jika dibandingkan<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">dengan umur atau tahap akademik di sekolah.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">10. memiliki kemahiran berfikir yang tinggi serta berkemampuan menyelesaikan masalah yang<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">sukar untuk ditafsirkan.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">11. berkebolehan untuk menbentuk teori baru terhadap sesuatu perkara<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">12. mudah mengenali hubung kait antara perkara-perkara yang dilihatnya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">13. mempunyai keinginan yang amat tinggi untuk tahu dalam semua perkara seperti objek, idea,<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">keadaan situasi atau sesuatu acara.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">14. menunjukkan minat mendalam sehingga menfokus sesuatu perkara yang diminati dalam satu<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">jangka masa yang lama.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: TTE2B95B20t00; mso-bidi-font-family: TTE2B95B20t00"><span style="font-family:Calibri;">15. mempunyai daya ingatan yang tinggi dan pantas serta mampu mengingati semula pelbagai<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: TTE2B95B20t00; mso-bidi-font-family: TTE2B95B20t00"><span style="font-family:Calibri;">perkara dengan cepat .<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: TTE2B95B20t00; mso-bidi-font-family: TTE2B95B20t00"><o:p><span style="font-family:Calibri;"> </span></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><b><span style="FONT-FAMILY: Times-Bold; mso-bidi-font-family: Times-Bold"><span style="font-family:Calibri;">Pemikiran Kreatif<o:p></o:p></span></span></b></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">Satu lagi domain yang dapat membantu dalam mengenali kanak-kanak pintar cerdas ini adalah<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">pemikiran kreatif. Kanak-kanak yang dikatakan mempunyai pemikiran kreatif adalah kanak-kanak<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">yang didapati mempamerkan ciri seperti berikut:<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">1. sangat lancar dan yakin ketika menyatakan serta menjelaskan idea yang telah difikirkannya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">2. berkebolehan membuat hubungan-kait antara dua idea terpencil yang jarang difikirkan oleh<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">orang lain.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">3. mempunyai pola pemikiran yang luwes dan bersedia untuk meneka serta membuat hipotesis.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">4. berkebolehan meneka kewujudan sesuatu masalah dalam situasi tertentu dan bertindak secara<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">spontan dan mengikut gerak hati dalam menyelesaikannya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">5. dapat menerima wujudnya ketaksamaan dan ketidakpastian dalam sesuatu perkara serta sedar<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">terhadap ketidakkonsistensian dan ketidaksinambungan.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">6. berkebolehan menimbang atau mendefinisikan semula elemen sesuatu masalah atau tugasan<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">dengan baik.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">7. menunjukkan tumpuan yang mendalam ketika melakukan sesuatu tugasan yang diberikan<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">kepadanya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">8. dapat mengekalkan idea sendiri dalam sebarang perbincangan atau kolaborasi dengan orang<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">lain.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">9. berkebolehan memberikan pelbagai penyelesaian atau respons terhadap sesuatu masalah.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">10. tidak berubah fikiran apabila mengekpreskan diri dan ada kalanya bersikap radikal.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: TTE2B95B20t00; mso-bidi-font-family: TTE2B95B20t00"><span style="font-family:Calibri;">11. seorang yang periang dan berminat kepada cerita fantasi dan imiginasi.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">12. selalu cuba untuk mengadaptasi atau memperbaiki sesuatu perkara.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">13. tidak kisah menjadi seorang yang berbeza dari orang lain disebabkan oleh kepintaran serta<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">kreativitinya<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">14. sering membuat penilaiannya sendiri sebelum menerima sesuatu perkara yang dimaklumkan<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">kepadanya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">15. sering bertanya soalan provokatif, mencabar ibu bapa, guru, peraturan bertulis dan pihak<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">berkuasa yang lain.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">16. bosan dengan penghafalan dan pembacaan lisan.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">17. mempamerkan tingkah laku yang bertenaga dan adakalanya mengganggu perjalanan<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">pembelajaran dalam kelas.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">18. menghasilkan respons yang tidak dijangka dan adakalanya tidak munasabah pada pandangan<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">orang lain.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">19. berkebolehan menunjukkan tahap yang mengkagumkan dalam keasliannya, tumpuan dan<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">ketekunan menghasilkan sesuatu tugasan atau projek yang melibatkan minat dan imaginasi.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">20. sering tercabar dengan idea-idea baru dan banyak bertanya soalan yang berbentuk ‘bagaimana<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">kalau..’.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">21. sangat sensitif terhadap ciri-ciri estetik dan menghargai objek di sekelilingnya dengan<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">mendalam.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">22. menyukai eksperimen, mencipta kaedah baru dalam penyelesaian sesuatu tugasan dan<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">adakalanya suka berangan, berkerja sambil lewa atau lupa perkara yang lain.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">23. mempamerkan sifat suka berjenaka, melihat sesuatu yang lucu dalam situasi yang kompleks,<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">seorang yang kelakar dalam kelas, membuat jenaka pada situasi yang kurang sesuai.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: TTE2B95B20t00; mso-bidi-font-family: TTE2B95B20t00"><span style="font-family:Calibri;">24. pandai berjenaka serta mampu mencipta suatu situasi jenaka yang adakalanya tidak<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: TTE2B95B20t00; mso-bidi-font-family: TTE2B95B20t00"><span style="font-family:Calibri;">difahami langsung oleh rakan-rakan sebayanya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: TTE2B95B20t00; mso-bidi-font-family: TTE2B95B20t00"><o:p><span style="font-family:Calibri;"> </span></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><b><span style="FONT-FAMILY: Times-Bold; mso-bidi-font-family: Times-Bold"><span style="font-family:Calibri;">Kepimpinan<o:p></o:p></span></span></b></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">Memiliki ciri kepimpinan turut dilihat sebagai salah satu domain yang boleh mengenalpasti seseorang<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">kanak-kanak pintar cerdas. Seorang kanak-kanak dikatakan pintar cerdas dalam domain kepimpinan<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">sekiranya menonjolkan ciri kepimpinan berikut;<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">1. berkebolehan merangsang dan membangkitkan semangat orang lain dalam sesuatu perkara.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">2. berkebolehan mengenal pasti kemahiran dan kebolehan yang dimiliki oleh orang lain.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">3. mudah berinteraksi dengan orang lain dan menunjukkan kemahiran sosial yang tinggi.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">4. berkebolehan mengenalpasti matlamat sesuatu perkara dan menyatakannya dengan jelas.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">5. berkebolehan menerangkan idea dengan jelas kepada pendengarnya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: TTE2B95B20t00; mso-bidi-font-family: TTE2B95B20t00"><span style="font-family:Calibri;">6. sangat empati terhadap perasaan orang lain seperti berkebolehan mendengar serta merasai<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: TTE2B95B20t00; mso-bidi-font-family: TTE2B95B20t00"><span style="font-family:Calibri;">apa yang dirasai oleh seseorang yang menghadapi masalah.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">7. berkebolehan memberi arahan dengan jelas dan berkesan terhadap orang lain.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">8. mengamalkan kepimpinan yang telus dan bertanggungjawab serta boleh mengkordinasi<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">tugasan dari beberapa orang individu.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="font-family:Calibri;"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman">9. berkebolehan menjana perasaan positif (</span><i><span style="FONT-FAMILY: Times-Italic; mso-bidi-font-family: Times-Italic">mood</span></i><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman">) sesuatu kumpulan dan sangat memahami<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">perasaan orang lain.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">10. dilihat sebagai orang yang boleh membuat keputusan serta menyokong ahli kumpulan bila<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">perlu sahaja.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">11. selalu diminta untuk memberi pandangan dan cadangan.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">12. seorang yang berani untuk melakukan sesuatu yang baru.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: TTE2B95B20t00; mso-bidi-font-family: TTE2B95B20t00"><span style="font-family:Calibri;">13. ada kecenderungan untuk mengawal rakan sebaya dalam sesuatu situasi.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><b><span style="FONT-FAMILY: Times-Bold; mso-bidi-font-family: Times-Bold"><span style="font-family:Calibri;">Kebolehan Psikomotor<o:p></o:p></span></span></b></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">Dalam domain psikomotor pula, kanak-kanak yang mempunyai tahap yang mengkagumkan dalam<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">aktiviti fizikal adalah kanak-kanak yang;<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">1. mampu mengikut rentak dan irama dengan mudah seperti menari.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">2. sangat suka bersukan terutama sukan yang lasak.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">3. sukakan permainan yang fizikal atau tarian yang lasak.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">4. mempunyai bentuk tubuh yang sesuai dengan aktiviti fizikal sama ada kesukanan atau tarian.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">5. sangat berkeyakinan, seimbang dan kordinasi dalam aktiviti kesukanan fizikal.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">6. sangat bijak mencipta atau mengubah sesuatu permainan atau tarian yang disertainya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">7. sangat bertenaga apabila melakukan sesuatu aktiviti kesukanan.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">8. mampu memahami aspek intelek dalam aktiviti psikomotor yang dilakukannya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">9. menunjukkan ketahanan, stamina dan ketekunan yang tinggi dalam aktiviti fizikal.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">10. mempamerkan kemahiran atau kebolehan yang luar biasa dalam aktiviti fizikal berbanding<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">rakan sebayanya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><o:p><span style="font-family:Calibri;"> </span></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><b><span style="FONT-FAMILY: Times-Bold; mso-bidi-font-family: Times-Bold"><span style="font-family:Calibri;">Kesenian Visual dan Persembahan<o:p></o:p></span></span></b></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">Dalam domain kesenian visual dan persembahan, kanak-kanak akan dilihat dari tiga sub domain iaitu<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">muzik, drama dan seni lukisan.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><o:p><span style="font-family:Calibri;"> </span></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><b><span style="FONT-FAMILY: Times-Bold; mso-bidi-font-family: Times-Bold"><span style="font-family:Calibri;">Sub Domain Muzik<o:p></o:p></span></span></b></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">Kanak-kanak yang amat berbakat dalam bidang muzik adalah kanak-kanak yang;<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">1. mempunyai kebolehan menghayati irama sesuatu lagu dengan mudah.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">2. sangat bagus dalam memahami kordinasi irama, nada dan melodi.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">3. berkebolehan membezakan muzik dengan bunyian yang lain.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">4. memahami hubung-kait yang berkaitan dengan muzik.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">5. seronok melakukan aktiviti yang berkaitan dengan muzik serta menghayati muzik sepenuh<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">hatinya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: TTE2B95B20t00; mso-bidi-font-family: TTE2B95B20t00"><span style="font-family:Calibri;">6. menunjukkan ingatan kuat terhadap nada bunyi.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">7. bersedia memberikan respons terhadap irama, melodi dan harmoni sesuatu bunyian yang<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">didengarinya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">8. menggunakan muzik untuk mengekspresikan perasaan atau pengalaman.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">9. mencipta nada bunyian yang asli.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">10. menggemari tarian dan aktiviti drama muzikal.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><o:p><span style="font-family:Calibri;"> </span></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><b><span style="FONT-FAMILY: Times-Bold; mso-bidi-font-family: Times-Bold"><span style="font-family:Calibri;">Sub Domain Drama<o:p></o:p></span></span></b></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">Sementara itu, kanak-kanak yang dikatakan berbakat dalam bidang drama adalah kanak-kanak<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">yang;<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">1. menunjukkan minat yang mendalam dan sangat seronok melakukan aktiviti lakonan.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">2. berupaya menukar peranan dari satu watak ke satu watak yang lain samada sebagai manusia,<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">binatang mahupun objek yang berbeza.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">3. menggunakan nada suaranya dengan baik untuk menggambarkan perubahan mood dalam<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">lakonan.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">4. menunjukkan kefahaman yang tinggi terhadap sesuatu konflik bila melakonkan sesuatu<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">adengan.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">5. berkomunikasi dengan perasaan melalui wajah dan pergerakan tubuh badan.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">6. sangat seronok dengan respons yang memberangsangkan yang diberikan oleh penonton.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">7. mempamerkan kebolehan melakonkan sesuatu perasaan atau dan peranan yang diberikan<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">dengan mudah.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">8. mampu membawa pendengar ke klimak dengan penceritaan sesuatu cerita secara lisan<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">sahaja.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">9. mempunyai imaginasi yang tinggi dalam membayangkan sesuatu sama ada baik atau buruk.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">10. boleh mencipta cerita yang bagus dalam menyatakan perasaan dan pengalaman yang<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">dialaminya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><o:p><span style="font-family:Calibri;"> </span></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><b style="mso-bidi-font-weight: normal"><span style="FONT-FAMILY: TTE18993C0t00; mso-bidi-font-family: TTE18993C0t00"><span style="font-family:Calibri;">Sub Domain Seni Lukisan<o:p></o:p></span></span></b></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">Satu lagi bidang dalam kesenian visual ialah seni lukisan. Kanak-kanak yang berbakat dalam<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">bidang ini ialah kanak-kanak yang;<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">1. berkebolehan melukis pelbagai objek dengan mudah.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">2. memberikan tumpuan yang mendalam ketika menghasilkan sesuatu karya lukisannya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">3. mempunyai perancangan teliti dan baik dalam pembahagian ruang ketika menghasilkan<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">sesuatu lukisan.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">4. sangat serius dan seronok dalam melakukan seni lukisan.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">5. menunjukkan keaslian dalam usaha menghasilkan sesuatu hasil karya lukisan.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">6. bersedia untuk mencuba bahan-bahan baru dan juga pengalaman dalam menghasilkan<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">sesuatu karya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: TTE2B95B20t00; mso-bidi-font-family: TTE2B95B20t00"><span style="font-family:Calibri;">7. menggunakan sepenuh masa lapangnya untuk melukis.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">8. menggunakan lukisan untuk mengekpresikan perasaan dan pengalamannya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">9. berminat terhadap hasil karya lukisan orang lain termasuklah menghargai serta<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">mengkritiknya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">10. suka menghasilkan karya yang berbentuk tiga dimensi seperti menggunakan tanah liat,<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">plastersin dan mengukir sabun.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><o:p><span style="font-family:Calibri;"> </span></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><b><span style="FONT-FAMILY: Times-Bold; mso-bidi-font-family: Times-Bold"><span style="font-family:Calibri;">Sosial-emosi<o:p></o:p></span></span></b></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">Sosial-emosi adalah salah satu domain yang penting dalam melihat ciri kanak-kanak pintar<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">cerdas dan berbakat ini. Kanak-kanak yang mempunyai kecerdasan dalam sosial emosi adalah<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">kanak-kanak yang didapati;<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">1. sangat menitikberatkan hal-hal keadilan serta mempunyai perasaan yang mendalam terhadap<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">keadilan dan adakalanya mungkin akan menentang dengan tegas sesuatu yang dirasanya<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">tidak adil.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">2. berkeyakinan yang tinggi, percaya dirinya dihargai kerana kebolehannya bukan kerana siapa<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">dia.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">3. lebih gemar berkawan dengan individu yang lebih tua dari usianya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">4. berkecenderongan menjadi seseorang yang sangat mementingkan kesempurnaan.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">5. sentiasa mengkritik diri sendiri dan orang lain sehinggakan mungkin melakukan tugasan<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">dengan terlalu berhati-hati sehingga lewat menyempurnakannya atau menangguhkan kerja.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">6. persahabatannya berasaskan minat yang sama dikongsinya tetapi bukan kerana umur yang<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">sebaya dengannya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">7. mudah menyesuaikan diri dengan situasi yang baru dihadapinya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">8. mempunyai keperihatinan yang tinggi terhadap sesuatu perkara yang menarik minatnya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">9. jujur, peramah dan suka membantu.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">10. sangat sensitif dari segi emosi dan tingkah laku.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">11. sangat teliti dan mementingkan kesempurnaan dan mudah kecewa walau pun dalam hal-hal<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">yang kecil.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">12. mudah mengalir air mata apabila melihat keindahan matahari terbenam atau mendengar lagu<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">yang menyentuh hatinya.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">13. sangat simpati dan menyayangi haiwan serta sanggup untuk berhenti makan daging.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">14. sangat teliti dalam hal yang berkaitan dengan peraturan bukan sahaja untuk diri sendiri<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">malah untuk orang lain.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">15. tidak suka melakukan kesilapan dan mudah kecewa bila sesuatu tidak dapat dilakukan<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: Times-Roman; mso-bidi-font-family: Times-Roman"><span style="font-family:Calibri;">dengan sempurna.<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: TTE2B95B20t00; mso-bidi-font-family: TTE2B95B20t00"><span style="font-family:Calibri;">16. gemar bertanya soalan secara kritikal terhadap perkara yang serious seperti masalahmasalah<o:p></o:p></span></span></p><p style="MARGIN: 0cm 0cm 0pt; mso-layout-grid-align: none" class="MsoNormal"><span style="FONT-FAMILY: TTE2B95B20t00; mso-bidi-font-family: TTE2B95B20t00"><span style="font-family:Calibri;">berkaitan populasi dunia dan isu-isu alam sekitar.<o:p></o:p></span></span></p><br /><br />Sumber : Permata pintar negara @ <a href="http://www.permatapintar.com.my/">http://www.permatapintar.com.my/</a>KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com0tag:blogger.com,1999:blog-12873365843572854.post-24515443163438093302010-03-01T11:38:00.000+08:002010-03-01T11:40:43.247+08:00Berpuasa postingHari ini dah masuk bulan mac. Bulan februari tak ada langsung catatan dalam blog ini.. bukan apa..disamping banyak keje.. nak test jugak.. boleh tak hidup tanpa blog... ternyata kalau kuat semangat.. boleh.....tapi laju sikit di Facebook plak.. bukan apa.. jumpa sedara mara yang dah lama tak jumpa so.. panjang sikitlah ayat-ayat dan kata-kata.<br /><br />Catatan pertama bulan mac ni adalah berkaitan bonus... ramai daripada kita dapat bonus.. ada yang 10 bulan dan ada yang 1 bulan.. tidak kurang juga dengan bonus ASB dan juga bank rakyat. ASB pasa siapa yang dah penuh tue.. bolehlah dapat 14k – 15k++. Dan pada siapa yang ada simpanan di bank rakyat....seronoklah.. Cuma yang tak seronoknya.. tak boleh topup.... kena belanjakan atau masukkan ke dalam ASB atau ASW dll.<br /><br />Ada juga yang enjoy dll. Cuma yang penting.. mesti ada bahagian untuk kepuasan diri sendiri... bagi aku yang baru masuk umah.. abis sudah bonus.... dengan sofa, meja makan dan yang bank rakyat... terpaksa guna untuk buat porch/awning rumah.. sian kereta kena panas dan hujan....KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com1tag:blogger.com,1999:blog-12873365843572854.post-39678032005579376572010-01-05T09:13:00.003+08:002010-01-05T09:17:32.284+08:00Tahun Baru.. jadual pun baruTahun baru 2010 ini banyak mengubah cara hidup aku. Dengan masuk rumah baru, aku pun dah tak keje dan juga anak dah mula sekolah.. banyak mengubah jadual harian aku. Dulu boleh buat keje terus dari jam 8am hingga 5pm. Sekarang dah berubah. sehari dua ini kelam kabut sikit. Mula jam 6.20 hantar isteri keje. Jam 7.30 dah hantar anak-anak ke tadika, rumah pengasuh dan KAFA. Jam 11 ambik anak di KAFA dan balik rumah. Jam 12.30 hantar anak ke sekolah. Then baru leh buat keje apa yang patut.<br /><br />Jam 5 dah ambik anak di tadika dan rumah pengasuh. Jam 6.20 ambik anak di sekolah dan seterusnya ambik isteri balik keje.. pegh.. lain benar cara hidup aku tahun 2010 ini...<br /><br />Aku nak kena plan dan buat jadual yang terbaik supaya ianya akan lebih tersusun dan teratur.<br /><br />"Penghijrahan satu kemajuan"KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com14tag:blogger.com,1999:blog-12873365843572854.post-57562103024153385602009-12-22T12:51:00.015+08:002009-12-22T13:21:29.226+08:00U G Livinian at Tiara Beach Resort 18-19 Dec 2009<p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal" align="center"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';font-size:12;" ><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal" align="justify"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Pada mgg lepas Ahli U G livinian central telah membuat satu family day di Tiara beach resort. Di hadiri oleh 36 ahli pemilik livina central. Mula berkumpul pada 8.00am di RnR Dengkil menghala ke KLIA. jam 9.00 bertolak ke masjid KLIA.. sampai di majid KLIA bertemu dengan ahli Livinian pantai timur. </span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal" align="justify"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span> </p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal" align="justify"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal" align="justify"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Kemudian bertolak ke Sepang F1 untuk sesi bergambar. Selepas penat bergambar ke LCCT untuk makan tengah hari. setelah selesai makan, bertolak ke TBR dengan melalui jalan dalam ikut bandar estek, felda sendayan. dah macam keretapi dibuatnya.</span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal" align="justify"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ></span> </p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal" align="justify"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span> </p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal" align="justify"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal" align="justify"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Sampai di TBR anak2 dah tak boleh tunggu nak mandi... mandi dalam hujan renyai2 tapi mak oooii.. ramainya orang... penuh... lepas hantar anak2 ke dalam bilik, layan bola tampar pantai plak... banyak ketawa daripada main heheheh</span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal" align="justify"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span> </p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal" align="justify"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal" align="justify"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Malam makan ika bakar di teluk kemang dan ada acara sedikit disana..<o:p></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal" align="justify"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal" align="justify"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >ahad kembali ke KL.. sebelum tue sempat gak layan beli tikar di nilai hehehhe</span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal" align="justify"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span> </p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal" align="center"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';font-size:12;" ><o:p></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal" align="center"><o:p><span style="font-family:Calibri;"></span></o:p></p><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRUXf8G55knlBqQT8L1WnN8KQSbmI5mF1vTdlb6V5qUO539_15gu6JUhQT67-9cg_XHhuFDyV6vwtEbvV_bWrU2wXgz3GkgWy9jSfqEhzHDRP7Ab64wCHZvoGeVVwYkjy2uPJe3p6oqQ/s1600-h/1.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 320px; DISPLAY: block; HEIGHT: 213px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417924849096215666" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRUXf8G55knlBqQT8L1WnN8KQSbmI5mF1vTdlb6V5qUO539_15gu6JUhQT67-9cg_XHhuFDyV6vwtEbvV_bWrU2wXgz3GkgWy9jSfqEhzHDRP7Ab64wCHZvoGeVVwYkjy2uPJe3p6oqQ/s320/1.jpg" /> <p align="center"></a>Ahli Under Ground livina central + eastern<br /></p><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLfE0j7rln5bimiOxRXtFZxynliUfJYLUfqtixelmhQ2YiByuByR4WX5huf4uFggBrfwDczANRKH5rod3luULy8PN9f6RWVyIyPsMi3YSJxzAfTcb3fUpBPEhau6VCnT01gxK0eLBdLg/s1600-h/37.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 320px; DISPLAY: block; HEIGHT: 213px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417924838246466834" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLfE0j7rln5bimiOxRXtFZxynliUfJYLUfqtixelmhQ2YiByuByR4WX5huf4uFggBrfwDczANRKH5rod3luULy8PN9f6RWVyIyPsMi3YSJxzAfTcb3fUpBPEhau6VCnT01gxK0eLBdLg/s320/37.jpg" /></a> berkumpul di F1 Sepang<br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8lT1iNYHzBDdP1MZMcGVW2MHYO3fHJcxhs6TnAKDoOxQ7MH2zcBffBgpvEyINOWfOvRRBxOelel7Y29HjR1x8QLSEfp8_dIlllUbIYvExrRAqXQeAhz-BFoTg76j1rqbULEfRhThPVO4/s1600-h/71.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 320px; DISPLAY: block; HEIGHT: 213px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417924835209891010" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8lT1iNYHzBDdP1MZMcGVW2MHYO3fHJcxhs6TnAKDoOxQ7MH2zcBffBgpvEyINOWfOvRRBxOelel7Y29HjR1x8QLSEfp8_dIlllUbIYvExrRAqXQeAhz-BFoTg76j1rqbULEfRhThPVO4/s320/71.jpg" /></a> bergambar di F1<br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOke2mvionhXkAriIbpI6qHezAc0GB9Dgx-leeFvm2koNFC98_ceFSVtNVONA2i5fUggl3FvMlJs6SHeWFkTi_sX8uljYI-CnZAji-gTM8nGaMHCokWSD65MA6ZLMOp8CrQf80yXAtTA/s1600-h/a.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 320px; DISPLAY: block; HEIGHT: 213px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417924682057885154" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOke2mvionhXkAriIbpI6qHezAc0GB9Dgx-leeFvm2koNFC98_ceFSVtNVONA2i5fUggl3FvMlJs6SHeWFkTi_sX8uljYI-CnZAji-gTM8nGaMHCokWSD65MA6ZLMOp8CrQf80yXAtTA/s320/a.jpg" /></a><br />tuan sifoo jurufoto beri kuliah..<br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjoYWEcPPrl3dtOjnLudDVJKYms0aTv2lSBMenayqAIR2n4ahU50ctDVHwsDzmjtAp_ZWC4zNkJbTYhQNw8JBKj48Kz1aCUF3j_B4UTuNoavb0leawM92UnCSZGpUQ7xpnDJfFEv5eCc1M/s1600-h/b.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 320px; DISPLAY: block; HEIGHT: 213px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417924677212435250" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjoYWEcPPrl3dtOjnLudDVJKYms0aTv2lSBMenayqAIR2n4ahU50ctDVHwsDzmjtAp_ZWC4zNkJbTYhQNw8JBKj48Kz1aCUF3j_B4UTuNoavb0leawM92UnCSZGpUQ7xpnDJfFEv5eCc1M/s320/b.jpg" /></a><br />makan tengah hari di KLIA<br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhahvCscD-iICI9a0MsuFxq9u2sQb4_mD9-ESvG-1UUGUqYYBy5su6B02ZPH6l2HicOPfepPorB-DYwu-V4IJZP3Ayt72oRtax8Rhssp0Viky3QTU6pIfXYlXZmdKgnsVehZ9ijeyOsE-0/s1600-h/c.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 320px; DISPLAY: block; HEIGHT: 213px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417924669550144018" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhahvCscD-iICI9a0MsuFxq9u2sQb4_mD9-ESvG-1UUGUqYYBy5su6B02ZPH6l2HicOPfepPorB-DYwu-V4IJZP3Ayt72oRtax8Rhssp0Viky3QTU6pIfXYlXZmdKgnsVehZ9ijeyOsE-0/s320/c.jpg" /></a> Bro KJ belanja aiskrim pada kanak2 semua.. lepas tue pakcik jual asikrim terus balik umah<br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgr8KcJx708d7neXOROjZIQAnViCZLqx6UFbXDEhI6MQ6eWr9Yn5PLspjyZzLlTzU6fJp6daeSI-tItjvIOWud9LOyYe8bzksfF2akgdY6_z0KqVQDtx_9EAqbQaZfa-cpjOexhiAxouQ/s1600-h/IMG_4244_resize.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 320px; DISPLAY: block; HEIGHT: 214px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417924664615654466" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgr8KcJx708d7neXOROjZIQAnViCZLqx6UFbXDEhI6MQ6eWr9Yn5PLspjyZzLlTzU6fJp6daeSI-tItjvIOWud9LOyYe8bzksfF2akgdY6_z0KqVQDtx_9EAqbQaZfa-cpjOexhiAxouQ/s320/IMG_4244_resize.jpg" /></a> berkumpul di check point pertama RnR dengkil<br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMAK0_7jZLD_DclZM3tL5hGBR7GnA4lh4Eulcr3HCG0EqaZoRd_FdrdSQI1TFmuw-arqlaJvob8mZXEJ_s2ykVFXLFSYR_q2eU1Tm88ZPbx4xTiJgds6ueirsPd7cQJpKgVwxyMeP2DQ/s1600-h/IMG_4248_resize.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 320px; DISPLAY: block; HEIGHT: 214px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417924657345619426" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMAK0_7jZLD_DclZM3tL5hGBR7GnA4lh4Eulcr3HCG0EqaZoRd_FdrdSQI1TFmuw-arqlaJvob8mZXEJ_s2ykVFXLFSYR_q2eU1Tm88ZPbx4xTiJgds6ueirsPd7cQJpKgVwxyMeP2DQ/s320/IMG_4248_resize.jpg" /></a> RnR Dengkil<br /><br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEilOJZ0cQI5iC5MDk3ff4etLOrr_r-FD3si-9Y179_82wUWS-ab3SQlX2kqxIshWMFYSaMH_T2zGYplx_re95At_11lZwEkPnbjLt1Y3PdhNvoVYTh2_MAhmys69Rd_f2qppSasqIEoqw/s1600-h/IMG_4395_resize.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 320px; DISPLAY: block; HEIGHT: 213px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417924467464246050" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEilOJZ0cQI5iC5MDk3ff4etLOrr_r-FD3si-9Y179_82wUWS-ab3SQlX2kqxIshWMFYSaMH_T2zGYplx_re95At_11lZwEkPnbjLt1Y3PdhNvoVYTh2_MAhmys69Rd_f2qppSasqIEoqw/s320/IMG_4395_resize.jpg" /></a> Makan malam di ikan bakar teluk kemang<br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhk_mPoNk07fYkY2MlZfaHAFG0AXYXy2JUb_zKjcNs0gxablaGmunhgse-SRILEgzIoQz_lWvRrR2sTQJ9Tv3lzlLAFjwH-IVGfEEdeFa2nLWbNOuMBrUIvMOfnkZNGqCl0Zp6hOt3Zrg/s1600-h/IMG_4312_resize.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 213px; DISPLAY: block; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417924467318017682" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhk_mPoNk07fYkY2MlZfaHAFG0AXYXy2JUb_zKjcNs0gxablaGmunhgse-SRILEgzIoQz_lWvRrR2sTQJ9Tv3lzlLAFjwH-IVGfEEdeFa2nLWbNOuMBrUIvMOfnkZNGqCl0Zp6hOt3Zrg/s320/IMG_4312_resize.jpg" /></a><br />posing anak bongsu ku.... bongsu ke??? cukuplah 4 dulu</div><div><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh3TuKRsuvCYUFliioWlzN0ADA-tBnN12jt5Ff-DuJ5XuXhMmItfhJzKxUcDr2bpiESGgL5GNxQMdthP9-B2878Vz20efA7in_kwmf9oqEYJf85f1ZskPc-arM7KzT2sfBQYvxoBYbfXA/s1600-h/IMG_4346_resize.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 320px; DISPLAY: block; HEIGHT: 214px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417924461828359170" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh3TuKRsuvCYUFliioWlzN0ADA-tBnN12jt5Ff-DuJ5XuXhMmItfhJzKxUcDr2bpiESGgL5GNxQMdthP9-B2878Vz20efA7in_kwmf9oqEYJf85f1ZskPc-arM7KzT2sfBQYvxoBYbfXA/s320/IMG_4346_resize.jpg" /></a> masuk highway Seremban - PD<br /><br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0Js6oDDReFeLBg-OpwpnV9YyBcpxM-E2xoSpqVXkJ7Lw6BBIsgQt51UkzzYvLJ65vmx6W2t-SVPk4eQHXGEIp4nVWl0gfKu2dFmaCmsKS-b5YqwrpmS3RvU4tfRjQFfIqqn8sFiFdig/s1600-h/IMG_4359_resize.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 320px; DISPLAY: block; HEIGHT: 214px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417924453368374162" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0Js6oDDReFeLBg-OpwpnV9YyBcpxM-E2xoSpqVXkJ7Lw6BBIsgQt51UkzzYvLJ65vmx6W2t-SVPk4eQHXGEIp4nVWl0gfKu2dFmaCmsKS-b5YqwrpmS3RvU4tfRjQFfIqqn8sFiFdig/s320/IMG_4359_resize.jpg" /></a> beratur.. diketuai oleh oren<br /><div><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjo9wVnJVhwKkhu-NMth18mlrCet7M29UxMo3Nojb7TDbgVxw6EFhgOann7gRvNGUrp1w6tGsOD5Uku69-hlNXQIDqqzcLqYU8DtxznOuCzSkHkwdOJ5L41zHFebxNV2RSN-C9IZ9fXtg/s1600-h/IMG_4465_resize.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 213px; DISPLAY: block; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417924267429844306" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjo9wVnJVhwKkhu-NMth18mlrCet7M29UxMo3Nojb7TDbgVxw6EFhgOann7gRvNGUrp1w6tGsOD5Uku69-hlNXQIDqqzcLqYU8DtxznOuCzSkHkwdOJ5L41zHFebxNV2RSN-C9IZ9fXtg/s320/IMG_4465_resize.jpg" /></a> anak bongsu yang semakin nakal<br /><br /><br /><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9vULj9UtlZVLM1JAhT0hHxsSTLVQ1iOyGR7R7pkyI2KTTBh94tK5-Aqv_RH0bgQAGL3R3z8Nl3u6rNv4Rtkpaq5mw_jmLNQBEdwoT0Ar6QbrefkYmIc5wjKRAqaY7Tfnft4ETmK3k5g/s1600-h/IMG_4308_resize_resize.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 320px; DISPLAY: block; HEIGHT: 213px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417924191564989234" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9vULj9UtlZVLM1JAhT0hHxsSTLVQ1iOyGR7R7pkyI2KTTBh94tK5-Aqv_RH0bgQAGL3R3z8Nl3u6rNv4Rtkpaq5mw_jmLNQBEdwoT0Ar6QbrefkYmIc5wjKRAqaY7Tfnft4ETmK3k5g/s320/IMG_4308_resize_resize.jpg" /></a> mengunngu doorgift dari MBSB - thanks bro rais<br /><div></div></div></div></div></div></div></div></div></div></div></div></div><br /></div>KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com6tag:blogger.com,1999:blog-12873365843572854.post-49010854178450688882009-12-22T10:41:00.009+08:002009-12-22T12:32:45.163+08:00Seminar M U W A R E C dan meeting dengan UGM yogyakarta<p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p><span style="font-family:Calibri;"></span></o:p></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >12 - 16 dec. lalu aku ke Yogyakarta... ada meeting ngan UGM dan international conference di Hyatt Yogyakarta... mulanya malas nak pergi.. tapi memikirkan ada paper yang nak dibentangkan dan invited dari prof joko.. pegie jugaklah.... lagie pun nie perjumpaan penyelidik Muslim di seluruh dunia... tahun depan kat pakistan lah plak.. tapi cam seram plak nak pegie dengan banyaknya rusuhan di sana</span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span> </p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >bertolak jam 7 pagie dan sampai terus ke hotel untuk letak beg dan terus ke UGM untuk meeting ngan penyelidik di sana. Balik petang dan terus ke bandar untuk "shopping". aku temankan aje lah hehehheheh</span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"> </p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >banyak jugaklah tempat yang menarik yang boleh dilawati kat sana... kalau ada masa yang solid rasanya.. memang puas bershopping kat sana.. rege murah sikit banding bandung...<o:p></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >batiknya pun murah sikit... batik pasang untuk perempuan boleh dapat RM60.. kat bandung rm90 dengan kualiti yang sama. </span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"> </p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >lawatan ke Borobudur candi pun banyak yang menarik... bagaimana usaha orang dahulu yang nak bina candi sebelum Islam datang ke Indonesia..</span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"> </p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Muzium rekod yanga da di indonesia seperti patung budha yang terkecil, lukisan yang terkecil, baju yang terbesar dan lain2 boleh dilihat di situ</span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"> </p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Makanan plak banyak yang sedap dan murah. Masakan solo dan yogya nampaknya berkhasiat kerana kurang minyak dan lemak. ramuannya cukup sifat dengan ulamnya sekali.</span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"> </p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >lawatan ke kaki gunung merapi pun menarik.. dapat dilihat bertapa suburnya tanah disitu.. tapi hakikatnya penduduk tempatan masih tidak mahu berpindah walaupun terancam 5 tahun sekali dengan meletusnya gunung berapi tersebut.. kali terakhir adalah pada 2006 dan kemungkinan akan berlaku pada 2011 menurut pakat gempa bumi UGM.</span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';font-size:12;" ></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';font-size:12;" ><o:p></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';font-size:12;" ><o:p></o:p></span></p><p align="center"><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-1_oYwfXXMBmbzudz2FDL5uLF1JL8s04wbhSKsfx5k45N7S4x84yc2dLoTEQMBi-YNmYQg5weAj0xi_W94lN_VMBGSwTb-KxLRfpBIi-SvXP4BK39hWXqKCSuRfPsDRU-cNmpH-pqEOQ/s1600-h/IMG_4097_resize.jpg"><img style="WIDTH: 320px; HEIGHT: 214px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417891027597030882" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-1_oYwfXXMBmbzudz2FDL5uLF1JL8s04wbhSKsfx5k45N7S4x84yc2dLoTEQMBi-YNmYQg5weAj0xi_W94lN_VMBGSwTb-KxLRfpBIi-SvXP4BK39hWXqKCSuRfPsDRU-cNmpH-pqEOQ/s320/IMG_4097_resize.jpg" /></a><br />makmal kejuruteraan pantai - model<br /><br /><br /><br /></p><p align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHtQQas_3cKr7SuqniyJorXpqurYnibv_wviF7o9kJ83KQCLcCaYR5d1JvzhFAWuKPLJoPb8LGoynpmzXRgvYRu0ek20rx7nl462wAV7XoyqGhd4c0VGQFXk0MzJbFTe1P41toYpXnFgM/s1600-h/IMG_4112_resize.jpg"><img style="WIDTH: 320px; HEIGHT: 214px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417891022407373314" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHtQQas_3cKr7SuqniyJorXpqurYnibv_wviF7o9kJ83KQCLcCaYR5d1JvzhFAWuKPLJoPb8LGoynpmzXRgvYRu0ek20rx7nl462wAV7XoyqGhd4c0VGQFXk0MzJbFTe1P41toYpXnFgM/s320/IMG_4112_resize.jpg" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgz26zE1ddRZQ9TzCPrI5yt4VEmVrBOQliAHuzC_xQgE6pnOucHNKOaj89nUr2IdsvkIt2ms4prXLgxHc7s-uNEYda7uBUgTR1P1tl7JH87-IhVzv-noM0W0dTbILSQx4wgH-hz2CyQDw/s1600-h/IMG_4114_resize.jpg"><img style="WIDTH: 320px; HEIGHT: 214px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417890802448396706" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgz26zE1ddRZQ9TzCPrI5yt4VEmVrBOQliAHuzC_xQgE6pnOucHNKOaj89nUr2IdsvkIt2ms4prXLgxHc7s-uNEYda7uBUgTR1P1tl7JH87-IhVzv-noM0W0dTbILSQx4wgH-hz2CyQDw/s320/IMG_4114_resize.jpg" /></a><br /><br />kiri - green roof -banyak pokok ditanam diatas bangunan<br />kanan - gunaka tenaga solar untuk pam air di sungai berhampiran untuk menyiram tanaman di atas bangunan<br /><br /><br /></p><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjD0DINS32P6HYmLId32GQ0Rj5FserKebiF69b0LtqzmRE5S-IICECluCi1B-vB3u5_ws-SUoHoEi87JwM1FgtpYrt2T4HYc_vljHfJTIT6vcKOFmt-ynQL2ZsBvdW7iNXRmIQftzwhOA/s1600-h/IMG_4123_resize.jpg"><img style="WIDTH: 213px; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417890797190856466" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjD0DINS32P6HYmLId32GQ0Rj5FserKebiF69b0LtqzmRE5S-IICECluCi1B-vB3u5_ws-SUoHoEi87JwM1FgtpYrt2T4HYc_vljHfJTIT6vcKOFmt-ynQL2ZsBvdW7iNXRmIQftzwhOA/s320/IMG_4123_resize.jpg" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZTBSjugKqe7f3wuAvca8Jgy4tRMv-3zx0SW3lxs1kyMJ1MrtYzebgcNvsI7OenaCYpylS0kg-2Dk1rFTM48acYaBf1n8bMATXCKFwB9-PzFOSx7yH4BcN_m94q3Cm1xSJFzymXnoA1w/s1600-h/IMG_4140_resize.jpg"><img style="WIDTH: 213px; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417890782421527682" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZTBSjugKqe7f3wuAvca8Jgy4tRMv-3zx0SW3lxs1kyMJ1MrtYzebgcNvsI7OenaCYpylS0kg-2Dk1rFTM48acYaBf1n8bMATXCKFwB9-PzFOSx7yH4BcN_m94q3Cm1xSJFzymXnoA1w/s320/IMG_4140_resize.jpg" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSie4uf4ekqSLrnmRt8OfFGQd3LnN-NLE9TsrWGMdhlDG05FGAmyZS39BWY1Aw77HUCoJT0bRo_GL8wpGSJGMl9HJU2NYoN9rrWOiCo_uincFSBKGsVEq-dYrOUKREktbNdO8eIbACuw/s1600-h/IMG_4107_resize.jpg"><img style="WIDTH: 213px; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417891023000668914" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSie4uf4ekqSLrnmRt8OfFGQd3LnN-NLE9TsrWGMdhlDG05FGAmyZS39BWY1Aw77HUCoJT0bRo_GL8wpGSJGMl9HJU2NYoN9rrWOiCo_uincFSBKGsVEq-dYrOUKREktbNdO8eIbACuw/s320/IMG_4107_resize.jpg" /></a><br /><br />kiri - tanaman anggur hidup subur</div><div align="center">tengah - di hadapan candi borobudur </div><div align="center">kanan - kerusi daripada bahan buangan tayar<br /></div><div align="center"><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgV5bGLqP9iNgwAJwsOZ0VAR4Nl4jIqU7YwMJo3AfXoexp_n3yR3mZGnmsT-n_k63ATaeYNrc4Y9svKvOlJlUtW3NUH55KlLNl1d1LIbnTx6njAT_pxk-Byer4nDZi_ebfEgssATcQ13w/s1600-h/IMG_4149_resize.jpg"><img style="WIDTH: 213px; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417890781782968274" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgV5bGLqP9iNgwAJwsOZ0VAR4Nl4jIqU7YwMJo3AfXoexp_n3yR3mZGnmsT-n_k63ATaeYNrc4Y9svKvOlJlUtW3NUH55KlLNl1d1LIbnTx6njAT_pxk-Byer4nDZi_ebfEgssATcQ13w/s320/IMG_4149_resize.jpg" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHgyLfKw__7qk09wICrxrZoCJ2mNc3TsGih0vOarF3WYfaqC0HVW8b45D1r6yFyMaPWwIdIjePK0W0SkcP47GyHdZq08ICKPW4qUgEkH74qJ7rPnDjAuiKP6w-vqFEuIxK0lHykmE6bg/s1600-h/IMG_4156_resize.jpg"><img style="WIDTH: 213px; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417890619734940482" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHgyLfKw__7qk09wICrxrZoCJ2mNc3TsGih0vOarF3WYfaqC0HVW8b45D1r6yFyMaPWwIdIjePK0W0SkcP47GyHdZq08ICKPW4qUgEkH74qJ7rPnDjAuiKP6w-vqFEuIxK0lHykmE6bg/s320/IMG_4156_resize.jpg" /></a> </div><div align="center">kiri - di atas candi borobudur</div><div align="center">kanan- pandangan dari atas candi borobudur<br /></div><div align="center"><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVbl_duFKACGhM8a88CaPeCX6gUUlQULOpQy5Qtr77OzJgxXlOHzez6aFGZYIeu5Hay5056ybjI8XuNViGrWdOHgyGdwNrDTO4SF9PaN7_BvSBFekUBm5aPaevIjgKKFk2UVdFuXKCfg/s1600-h/IMG_4157_resize.jpg"><img style="WIDTH: 320px; HEIGHT: 214px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417890613798336322" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVbl_duFKACGhM8a88CaPeCX6gUUlQULOpQy5Qtr77OzJgxXlOHzez6aFGZYIeu5Hay5056ybjI8XuNViGrWdOHgyGdwNrDTO4SF9PaN7_BvSBFekUBm5aPaevIjgKKFk2UVdFuXKCfg/s320/IMG_4157_resize.jpg" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiXflhlqJQzEySLzzJI2WFsiY47EcRKk6PbQ0OkujpxyVQ1sL-2qFnu3CH4DlEgsqErHpaj718t-8n7WqvrlN1zZflMeoiTvc0WWlCaPiKBqeNNmT140a3Tl5uh22LPfAa5AYQzYksYk5s/s1600-h/IMG_4126_resize.jpg"><img style="WIDTH: 320px; HEIGHT: 214px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417890791037588770" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiXflhlqJQzEySLzzJI2WFsiY47EcRKk6PbQ0OkujpxyVQ1sL-2qFnu3CH4DlEgsqErHpaj718t-8n7WqvrlN1zZflMeoiTvc0WWlCaPiKBqeNNmT140a3Tl5uh22LPfAa5AYQzYksYk5s/s320/IMG_4126_resize.jpg" /></a><br />kanan - struktur candi borobudur</div><div align="center">kanan - suburnya tanaman di atas atap pejabat<br /><br /></div><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj3kNrdiBFnzqqw4Do3pbI6RTI5w16m1CiXXqkoIoX6z-mkz4qqjkleS5ikhAGAltLJp-KXtFYSxfyP04vlMaDyvZB-j2Sp6ivdO7rRG-CGa5693ximxB2WDrqmnpU61f4lnTUFDwxfhA/s1600-h/IMG_4158_resize.jpg"><img style="WIDTH: 213px; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417890606209017554" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj3kNrdiBFnzqqw4Do3pbI6RTI5w16m1CiXXqkoIoX6z-mkz4qqjkleS5ikhAGAltLJp-KXtFYSxfyP04vlMaDyvZB-j2Sp6ivdO7rRG-CGa5693ximxB2WDrqmnpU61f4lnTUFDwxfhA/s320/IMG_4158_resize.jpg" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh16FaEvbB2K0gui25UXsUK3gJ3GJ72SPCH3T1g6ogZcvgG_fljNqox3xfSuLLfij9pDskqHgcmqxcE47Z5KCbUZfsUuqKEXvF-44qz6WwgLIPa6upLgG0ckitYr78AgaVu4NSig5j2Eg/s1600-h/IMG_4163_resize.jpg"><img style="WIDTH: 213px; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417890605453087986" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh16FaEvbB2K0gui25UXsUK3gJ3GJ72SPCH3T1g6ogZcvgG_fljNqox3xfSuLLfij9pDskqHgcmqxcE47Z5KCbUZfsUuqKEXvF-44qz6WwgLIPa6upLgG0ckitYr78AgaVu4NSig5j2Eg/s320/IMG_4163_resize.jpg" /></a><br />kiri - di hadapan candi</div><div align="center">kanan - patung budha terkecil<br /></div><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZWZV0X-X939_xxIn9UuPQS20teMnD6VUhAnh3JUVxfBCWdK0lRwRnoOWcLQ-UtP9axX2AxVOTV7jLMlfF_LIbY_HVgIrXE9N2PAQ-ZelCVdS1iKRRY1g_hep3cEPhVe4fdayNm-pfyK0/s1600-h/IMG_4173_resize.jpg"><img style="WIDTH: 213px; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417890601205738546" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZWZV0X-X939_xxIn9UuPQS20teMnD6VUhAnh3JUVxfBCWdK0lRwRnoOWcLQ-UtP9axX2AxVOTV7jLMlfF_LIbY_HVgIrXE9N2PAQ-ZelCVdS1iKRRY1g_hep3cEPhVe4fdayNm-pfyK0/s320/IMG_4173_resize.jpg" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3Fz5I8dTr82LICegKFI7K3ErHXFxN0Q8rpA-fsrC1VSb-jkf8tndvHEk68z2_-PbzZlpcM-OjwntTbiRrHEkG76rYu22dA2wsalWpFpou65BlkD4X7AYyoid-LWWXm307Zm3tVpgsPw/s1600-h/IMG_4176_resize.jpg"><img style="WIDTH: 213px; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417890393199750162" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3Fz5I8dTr82LICegKFI7K3ErHXFxN0Q8rpA-fsrC1VSb-jkf8tndvHEk68z2_-PbzZlpcM-OjwntTbiRrHEkG76rYu22dA2wsalWpFpou65BlkD4X7AYyoid-LWWXm307Zm3tVpgsPw/s320/IMG_4176_resize.jpg" /></a><br />kiri - fenomena letusan gunung berapi 2006</div><div align="center">kanan - baju terbesar di indonesia 7 meter panjang<br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitQ-El8stsswMUGpQcFQpda81gZCkRRc_E3qiMc7FiQkl8moi_Xe6ZDSKXg1eSoAKxEE_JZp08CGvdP_GhygxjJYMZUmVcOoTjSgkH4lb7FkFemDxK0-KpEhogzCuWnhmwauznNY3c_g/s1600-h/IMG_4178_resize.jpg"><img style="WIDTH: 213px; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417890387974191074" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitQ-El8stsswMUGpQcFQpda81gZCkRRc_E3qiMc7FiQkl8moi_Xe6ZDSKXg1eSoAKxEE_JZp08CGvdP_GhygxjJYMZUmVcOoTjSgkH4lb7FkFemDxK0-KpEhogzCuWnhmwauznNY3c_g/s320/IMG_4178_resize.jpg" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh3yz8VzSbT2KskLsIcFKNPwgWvAUIkC7EG_zStHi169EWYeuJNQccso52cQ-RjO5iH7IdwSa6DKuMca8gSsvfIiz-qu91ImFEHNp_i9ttn6tzgunWDi8r6BVmWlLf20kJy6ls0iL5_Luk/s1600-h/IMG_4201_resize.jpg"><img style="WIDTH: 213px; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417890371550431378" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh3yz8VzSbT2KskLsIcFKNPwgWvAUIkC7EG_zStHi169EWYeuJNQccso52cQ-RjO5iH7IdwSa6DKuMca8gSsvfIiz-qu91ImFEHNp_i9ttn6tzgunWDi8r6BVmWlLf20kJy6ls0iL5_Luk/s320/IMG_4201_resize.jpg" /></a><br />kiri - lukisan terkecil di Indonesia.. ak tengok kena pakai kanta</div><div align="center">kanan - masjid tertua di Yogyakarta dan top 5 tertua di Indonesia</div><div align="center"><br /></div><div align="center"><br /><br /></div><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjCABMj-7bVob-fXE0Ajb1q3ogy8j011OH8yO381FWrM_of2BmeglreTpOuZ4QGj3UXjY5xNV15Ooiwe1qriCK0hyfS_YU1JShOqg6D-x5vCkaB5o0-5lWi8qJsUSN1HmN3wmcZJ49m3w/s1600-h/IMG_4181_resize.jpg"><img style="WIDTH: 320px; HEIGHT: 214px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417890379536659090" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjCABMj-7bVob-fXE0Ajb1q3ogy8j011OH8yO381FWrM_of2BmeglreTpOuZ4QGj3UXjY5xNV15Ooiwe1qriCK0hyfS_YU1JShOqg6D-x5vCkaB5o0-5lWi8qJsUSN1HmN3wmcZJ49m3w/s320/IMG_4181_resize.jpg" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjneTaHZOTOf2bOOPoJos1wyTun5jocfaHYid-KFti-3yU9qzv4bNqGqv_yMN2UIMHHxVRfgZed37_ILY2J69SQ9hwyIlqer1Bnue-1WKcKvj2WJZIsw1ncKQ1lVVLRCVXR3B1k57SWfg/s1600-h/IMG_4195_resize.jpg"><img style="WIDTH: 320px; HEIGHT: 214px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417890374661229138" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjneTaHZOTOf2bOOPoJos1wyTun5jocfaHYid-KFti-3yU9qzv4bNqGqv_yMN2UIMHHxVRfgZed37_ILY2J69SQ9hwyIlqer1Bnue-1WKcKvj2WJZIsw1ncKQ1lVVLRCVXR3B1k57SWfg/s320/IMG_4195_resize.jpg" /></a><br /><br />kiri - kaki gunung merapi</div><div align="center">kanan - bandar yogyakarta maliboro dan pasar beringharjo<br /></div><div align="center"><br /></div><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhiLJka45a7BRct9wszX4YW7HuQk5pbnrMX_QSqjbDFHmNBKm6H8xQ3h7jas2mZwPVIeIQn_NbVviLRL5eYiYkMb3qZfG-XGKkS5Pg5nvasqwuTNezxLia9SonVeLi9MrQ1Mr8jbsVCBAQ/s1600-h/IMG_4205_resize.jpg"><img style="WIDTH: 320px; HEIGHT: 214px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417890160204423250" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhiLJka45a7BRct9wszX4YW7HuQk5pbnrMX_QSqjbDFHmNBKm6H8xQ3h7jas2mZwPVIeIQn_NbVviLRL5eYiYkMb3qZfG-XGKkS5Pg5nvasqwuTNezxLia9SonVeLi9MrQ1Mr8jbsVCBAQ/s320/IMG_4205_resize.jpg" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjT-sAWwwkguThGxAENnz4TNNYyLCEwksTj2b9FfxGuoHallADxWkdJvQG1rw06F-xq3e1bmYclKAihvs9fot9hO0tG7zUz6SEzsdpYKOK0Ju059YFS_1Q8gJ6czLYgBJzYzHXEqjbCWQ/s1600-h/IMG_4209_resize.jpg"><img style="WIDTH: 320px; HEIGHT: 214px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417890156318178402" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjT-sAWwwkguThGxAENnz4TNNYyLCEwksTj2b9FfxGuoHallADxWkdJvQG1rw06F-xq3e1bmYclKAihvs9fot9hO0tG7zUz6SEzsdpYKOK0Ju059YFS_1Q8gJ6czLYgBJzYzHXEqjbCWQ/s320/IMG_4209_resize.jpg" /></a><br />kiri - seorang model indonesia sedang bergambar</div><div align="center">kanan - lokasi tempat raja bermandi dan memilih bakal isteri<br /></div><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj1XfRuQstHNTDDcs8XqS84dess5N_j78xPg6XIm2X3uRdjmdHFiYZ2xXukaTmVbY139sdGc6OIvp3iN09_-mFE4i_cispT7B8tMsJ_jOd_JqZZ8GwuPe5dN6rU_lwfQsgRIkWntKmjRA/s1600-h/IMG_4220_resize.jpg"><img style="WIDTH: 320px; HEIGHT: 214px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417890150944385618" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj1XfRuQstHNTDDcs8XqS84dess5N_j78xPg6XIm2X3uRdjmdHFiYZ2xXukaTmVbY139sdGc6OIvp3iN09_-mFE4i_cispT7B8tMsJ_jOd_JqZZ8GwuPe5dN6rU_lwfQsgRIkWntKmjRA/s320/IMG_4220_resize.jpg" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-xNN_ipK4GdTnRG5iI3GUDtbrV6SGMJwVWUZWhBYUo-Lg5Q01wRjKQFJt4N8cVTpQ1v8mAImBub2bYwgC4LlhjdvY6GSZiJhHUDaByn54WPo40POqrF-7AR5JYKh-XZBlpiCepao2iG8/s1600-h/IMG_4224_resize.jpg"><img style="WIDTH: 320px; HEIGHT: 214px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417890146936304114" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-xNN_ipK4GdTnRG5iI3GUDtbrV6SGMJwVWUZWhBYUo-Lg5Q01wRjKQFJt4N8cVTpQ1v8mAImBub2bYwgC4LlhjdvY6GSZiJhHUDaByn54WPo40POqrF-7AR5JYKh-XZBlpiCepao2iG8/s320/IMG_4224_resize.jpg" /></a><br />kiri - laluan bawah tanah untuk sultan pergi solat</div><div align="center">kanan - gambar masjid tertua di yogyakarta sejak tahun 1700++ lagei</div><div align="center"></div><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHzybGPbM6Dvqi3NHJkdLrSo2SIpFVv1cTji1Af_WbwVZhVYcGuGAJHt5ZxKGWQbP5Qalv8dZiQECzybLx95ke7JTzCsUoXpb7aTTXbSfI9Cd-USwUb0ed59D1rKek7lMtmEVIZqsaNVU/s1600-h/IMG_4230_resize.jpg"><img style="WIDTH: 320px; HEIGHT: 214px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5417890144889914306" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHzybGPbM6Dvqi3NHJkdLrSo2SIpFVv1cTji1Af_WbwVZhVYcGuGAJHt5ZxKGWQbP5Qalv8dZiQECzybLx95ke7JTzCsUoXpb7aTTXbSfI9Cd-USwUb0ed59D1rKek7lMtmEVIZqsaNVU/s320/IMG_4230_resize.jpg" /></a><br /><br />masjid lama yang bahan binaannya di datang dari german dan perancis di sekitar tahun 1700++</div><div>seorang ahli AJK masjid yang lancar menerangkan tentang sejarah masjid dan juga senireka masjid tersebut</div><div></div><div>pada tiang masjid tersebut mepunyai pelbagai corak yang mengambarkan tentang kedatangannya agama hindu - budha - kristian dan akhirnya Islam</div><div></div><div></div>KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com2tag:blogger.com,1999:blog-12873365843572854.post-38862899410466380702009-12-22T09:55:00.002+08:002009-12-22T10:39:45.657+08:00Tahun BaruDalam kesibukan harian, kita tak boleh lupa dengan azam tahun baru... walaupun azam lama masih ada yang berbaki, kita harus teruskan dengan azam yang baru... Tahun 1431 aka 2010 nie banyak azam baru yang akan dilakukan. Adakah azam kita mempunyai tujuan yang tertentu. Aku berazam demi untuk keluarga dan agama. Itu adalah antara objektif utama......<br /><br />Tahun ini banyak tanggung jawap dan perkara yang baru.... antaranya<br /><br />1) masuk umah baru setelah menyewa rumah orang 7 tahun<br />2) kereta baru demi keluarga yang semakin ramai<br />3) mula cuti belajar selama 3 tahun - besar tanggung jawap tue..<br /><br />Azam tahun 2010 masih dalam perhatian.... apa yek..... yang utama adalah nak emngislamickan segala akaun saving dan perumahan... buat amsa nie yang boleh dibuat adalah pada rumah sewa.. rumah yang diduduki ini belum boleh kerana ada lagie 2.5% yang belum di bayar ke developer.. uihhh lambat tue buat pecah geran.....KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com0tag:blogger.com,1999:blog-12873365843572854.post-2766398466859220792009-11-18T09:10:00.005+08:002009-11-18T13:29:45.971+08:00Tip Membeli Apartment<p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Semalam berpeluang membaca satu tip membeli apartmen daripada suratkabar kosmo 17/11/200<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Tipnya adalah;</span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span> </p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 36pt; mso-list: l0 level1 lfo1" class="MsoListParagraphCxSpFirst"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: Georgia; mso-bidi-: MSfont-family:Georgia;" ><span style="mso-list: Ignore">1)<span style="FONT: 7pt 'Times New Roman';font-size:100%;" > </span></span></span><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Sebelum membeli, kaji pasaran bagi memastikan anda mendapat nilai wang anda. Dapatkan nasihat penilai dan agen hartanah bebas dan bukan pihak pemaju atau agen jualan mereka.<o:p></o:p></span></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: Georgia; mso-bidi-: MSfont-family:Georgia;" ><span style="mso-list: Ignore">-<span style="FONT: 7pt 'Times New Roman';font-size:100%;" > </span></span></span><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Ulasan : bagi rumah baru.. kaji juga pasaran sekeliling supaya perbezaannya tidaklah banyak. Pastikan juga kadar sewa kawasan tersebut. Adakah ia bagus untuk disewa jika anda membeli apartmen tersebut. Kadang2 pemaju akan mengawal harga apartmen sehinggalah semua fasa pembangunannya siap. Selepas itu dia biarkan dan kebanyakannya akan menjunam bawah daripada nilai belian awal.</span></i></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></i> </p><p style="MARGIN: 0cm 0cm 0pt 36pt" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 36pt; mso-list: l0 level1 lfo1" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: Georgia; mso-bidi-: MSfont-family:Georgia;" ><span style="mso-list: Ignore">2)<span style="FONT: 7pt 'Times New Roman';font-size:100%;" > </span></span></span><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Kunjungi beberapa lokasi yang memenuhi kriteria yang di ingini agar anda mendapat idea pembelian yang ingin di buat.<o:p></o:p></span></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: Georgia; mso-bidi-: MSfont-family:Georgia;" ><span style="mso-list: Ignore">-<span style="FONT: 7pt 'Times New Roman';font-size:100%;" > </span></span></span><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Ulasan: ini lebih kepada kepuasan diri. Pastikan anda puas hati membeli apartmen tersebut. Janganlah selepas membeli.. rasa menyesal kerana tidak membeli apartmen B</span></i></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><em></em><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span> </p><p style="MARGIN: 0cm 0cm 0pt 36pt" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 36pt; mso-list: l0 level1 lfo1" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: Georgia; mso-bidi-: MSfont-family:Georgia;" ><span style="mso-list: Ignore">3)<span style="FONT: 7pt 'Times New Roman';font-size:100%;" > </span></span></span><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Lihat sama-ada hartanah yang anda suka terletak berhampiran dengan kemudahan seperti kedai, perkhidmatan pengangkutan awam, sekolah, taman rekreasi dan sebagainya.<o:p></o:p></span></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: Georgia; mso-bidi-: MSfont-family:Georgia;" ><span style="mso-list: Ignore">-<span style="FONT: 7pt 'Times New Roman';font-size:100%;" > </span></span></span><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Ulasan : kemudahan ini adalah yang paling penting. Tanpanya hidup anda akan ada kekurangan. Melainkan anda menganggap apartmen anda sebagai tempat tidur semata-mata. Kemudahan ini diperlukan jika anda sudah berkeluarga. Walaupun kemudahan ini jarang anda gunakan tapi ia merupakan nilai tambah kepada value dan juga kepuasan anda.</span></i></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></i> </p><p style="MARGIN: 0cm 0cm 0pt 36pt" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 36pt; mso-list: l0 level1 lfo1" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: Georgia; mso-bidi-: MSfont-family:Georgia;" ><span style="mso-list: Ignore">4)<span style="FONT: 7pt 'Times New Roman';font-size:100%;" > </span></span></span><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Lihat sama-ada bangunan apartmen tersebut berhampiran dengan kelab malam, kafe atau tempat muzik lain.<o:p></o:p></span></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: Georgia; mso-bidi-: MSfont-family:Georgia;" ><span style="mso-list: Ignore">-<span style="FONT: 7pt 'Times New Roman';font-size:100%;" > </span></span></span><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Ulasan: ini lebih kepada keselesaan. Mungkin ada gangguan apabila masa untuk tidur/rehat. Elakkan jika kurang berminat dengan perkara sebegini.</span></i></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></i> </p><p style="MARGIN: 0cm 0cm 0pt 36pt" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 36pt; mso-list: l0 level1 lfo1" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: Georgia; mso-bidi-: MSfont-family:Georgia;" ><span style="mso-list: Ignore">5)<span style="FONT: 7pt 'Times New Roman';font-size:100%;" > </span></span></span><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Perhatikan keadaan trafik di sekitar apartmen tersebut dengan bertanya adakah keadaan bising ketika waktu puncak dan adakah akan memberi kesan kepada gaya hidup anda.<o:p></o:p></span></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: Georgia; mso-bidi-: MSfont-family:Georgia;" ><span style="mso-list: Ignore">-<span style="FONT: 7pt 'Times New Roman';font-size:100%;" > </span></span></span><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Ulasan : Elakkan kawasan yang begitu crowded sehingga menyukarkan anda untuk keluar dan masuk ke dalam kawasan apartmen. Ianya akan mengganggu anda sekiranya berlaku kesesakan.</span></i></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></i> </p><p style="MARGIN: 0cm 0cm 0pt 36pt" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 36pt; mso-list: l0 level1 lfo1" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: Georgia; mso-bidi-: MSfont-family:Georgia;" ><span style="mso-list: Ignore">6)<span style="FONT: 7pt 'Times New Roman';font-size:100%;" > </span></span></span><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Ketahuilah usia bangunan dan sama ada anda perlu melakukan penggantian atau membaiki keadaan dalaman apartmen.<o:p></o:p></span></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: Georgia; mso-bidi-: MSfont-family:Georgia;" ><span style="mso-list: Ignore">-<span style="FONT: 7pt 'Times New Roman';font-size:100%;" > </span></span></span><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Ulasan: Usia bangunan perlu diketahui kerana ianya akan menentukan kos penyelenggaraan yang akan anda tanggung. Sekiranya banyak kos.. elakkan, tetapi jika anda dapat membeli apartmen tersebut di bawah nilai pasaran, anda boleh memikirkannya semula. </span></i></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></i> </p><p style="MARGIN: 0cm 0cm 0pt 36pt" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 36pt; mso-list: l0 level1 lfo1" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: Georgia; mso-bidi-: MSfont-family:Georgia;" ><span style="mso-list: Ignore">7)<span style="FONT: 7pt 'Times New Roman';font-size:100%;" > </span></span></span><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Pastikan langkah keselamatan yang disediakan di bangunan tersebut.<o:p></o:p></span></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: Georgia; mso-bidi-: MSfont-family:Georgia;" ><span style="mso-list: Ignore">-<span style="FONT: 7pt 'Times New Roman';font-size:100%;" > </span></span></span><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Ulasan : Ini adalah untuk keselamatan anda meninggalkan rumah mahupun berada di dalam apartmen. Trend perompak waktu kini adalah dengan merompak di siang hari iaitu masa tuan rumah pergi bekerja... </span></i></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><span style="mso-spacerun: yes"></span><o:p></o:p></span></i> </p><p style="MARGIN: 0cm 0cm 0pt 36pt" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 36pt; mso-list: l0 level1 lfo1" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: Georgia; mso-bidi-: MSfont-family:Georgia;" ><span style="mso-list: Ignore">8)<span style="FONT: 7pt 'Times New Roman';font-size:100%;" > </span></span></span><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Adakah anda mempunyai beranda yang membenarkan anda melihat pemandangan yang indah atau pemandangan anda terhalang.<o:p></o:p></span></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: Georgia; mso-bidi-: MSfont-family:Georgia;" ><span style="mso-list: Ignore">-<span style="FONT: 7pt 'Times New Roman';font-size:100%;" > </span></span></span><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Ulasan : ini adalah pilihan di mana untuk keselesaan penghuni.. adalah baik jika pandangan rumah anda KLCC, huta kehijauan dll yang mana memenuhi citarasa anda.</span></i></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></i> </p><p style="MARGIN: 0cm 0cm 0pt 36pt" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 36pt; mso-list: l0 level1 lfo1" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: Georgia; mso-bidi-: MSfont-family:Georgia;" ><span style="mso-list: Ignore">9)<span style="FONT: 7pt 'Times New Roman';font-size:100%;" > </span></span></span><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Berapakah caj penyelenggaraan dan apakah yang termasuk dalam caj tersebut<o:p></o:p></span></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: Georgia; mso-bidi-: MSfont-family:Georgia;" ><span style="mso-list: Ignore">-<span style="FONT: 7pt 'Times New Roman';font-size:100%;" > </span></span></span><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Ulasan : pastikan nilai insuran, kos pembersihan, kos penyelenggaran dan juga kos-kos lain yang terlibat. Kadar bagi kondo mungkin dari rm130 hingga rm300 atau lebih. Kadar bagi low atau medium low adalah sekitar rm30 hingga 60</span></i></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></i> </p><p style="MARGIN: 0cm 0cm 0pt 36pt" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt 36pt" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 36pt; mso-list: l0 level1 lfo1" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: Georgia; mso-bidi-: MSfont-family:Georgia;" ><span style="mso-list: Ignore">10)<span style="FONT: 7pt 'Times New Roman';font-size:100%;" > </span></span></span><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Sekiranya anda mempunyai kereta, ini merupakan soalan yang penting, adakah tempat letak kereta disediakan atau anda perlu membayar wang tambahan untuknya..<o:p></o:p></span></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: Georgia; mso-bidi-: MSfont-family:Georgia;" ><span style="mso-list: Ignore">-<span style="FONT: 7pt 'Times New Roman';font-size:100%;" > </span></span></span><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Ulasan : biasanya pihak pengurusa akan memeberikan satu atau dua tapak untuk meletak kenderaan. Ada juga pemaju yang menjual tapak yang berbumbung seperti tambahan rm5000 untuk satu tapak atau mengenakan kadar sewa tambahan sebanyak rm80 sebulan untuk tambahan kereta dan sebagainya.</span></i></p><p style="TEXT-INDENT: -18pt; MARGIN: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></i> </p><p style="MARGIN: 0cm 0cm 0pt 36pt" class="MsoListParagraphCxSpMiddle"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt 36pt" class="MsoListParagraphCxSpLast"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" ><o:p></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><span style="FONT-FAMILY: 'Georgia', 'serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-: MSfont-family:'Times New Roman';" >Sumber : <i style="mso-bidi-font-style: normal">http://freshome.com</i><o:p></o:p></span></p><p style="MARGIN: 0cm 0cm 0pt" class="MsoNormal"><o:p><span style="font-family:Calibri;"></span></o:p></p>KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com16tag:blogger.com,1999:blog-12873365843572854.post-66637004330839598512009-11-16T09:52:00.003+08:002009-11-16T09:58:45.176+08:00Peluang daripada pembangunanSalam..<br /><br />hari nie rasanya ak berkongsi dengan beberapa peluang yang boleh kita ambik dengan adanya pembangunan. Contohnya... apabila ada ura-ura atau details planning tentang pembinaan lebuh raya baru. Apakah tindakan yang kita boleh lakukan untuk mengambil peluang dengan adanya pembangunan tersebut. Antara peluang yang boleh kita lakukan adalah seperti;<br /><br />1) Membeli tanah di sekitar tapak (kawasan interchange) tersebut, !!<br />2) Membeli rumah di kawasan interchange tersebut !!<br />3) Membuat bisness seperti car wash, cleaner, dobi semasa projek itu berjalan !!<br />4) Membuka hardware !!<br />5) Menjadi orang tengah untuk menyedikan rumah sewa kepada pekerja pembinaan??<br />6) .........................<br /><br />Banyak perkara yang boleh kita buat.. cuma usaha dan kemahuan yang menentukan kejayaan....KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com2tag:blogger.com,1999:blog-12873365843572854.post-88730007524405831452009-11-16T08:18:00.016+08:002009-11-16T08:48:07.189+08:003rd +++phase - renovationSetelah puas mengecat apa yang patut... lega rasanya.... nie pun dah menyerah dah.... penat rasanya.. langsir pun dah pasang....... cuma beberapa benda kecil yang belum di lakukan.. maybe this week boleh siap kot... insyallah...<br /><br />Kepenatan menygecat, memasang langsir, memasang cermin bilik air dan beberapa perkara lain.. demi rumah sendiri.. kalau umah orang.. tang sanggup rasanya.. buat kerja sorang2... sambil ditemani bunyi drill umah jjiran yang sedang buat renovation.... <div><div align="center"><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-PVjymj3IjZZHshCRrInCaTzxwog7mGpybnCVmxr4b6qiUFITuMQaAxMNFgynv1HGWe7neArPex_XPTcfCmDHa75ja9PKW-O2d1a2T4Wt6tFKJry-GLwuLYzMtVuurEPBqiOHPWietA/s1600/PB103267.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5404496461757675954" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-PVjymj3IjZZHshCRrInCaTzxwog7mGpybnCVmxr4b6qiUFITuMQaAxMNFgynv1HGWe7neArPex_XPTcfCmDHa75ja9PKW-O2d1a2T4Wt6tFKJry-GLwuLYzMtVuurEPBqiOHPWietA/s200/PB103267.JPG" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg1Oi87mxBnL1Rau-BsJrtqcjRETVWN2js2KmLVwD2RT-CuqhxmJOmr39c-8_SZ5p4iOZlqyw4XywoboB0KZm-Y5BuGqiqm94zM1YDHteWkw0RQIYd0yMvRxYfycyJvmetw6wMw5x1Eng/s1600/PB103266.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5404496457296070450" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg1Oi87mxBnL1Rau-BsJrtqcjRETVWN2js2KmLVwD2RT-CuqhxmJOmr39c-8_SZ5p4iOZlqyw4XywoboB0KZm-Y5BuGqiqm94zM1YDHteWkw0RQIYd0yMvRxYfycyJvmetw6wMw5x1Eng/s200/PB103266.JPG" /></a><br /></div><div align="center">Langsir tingkap bilik tidur utama</div><div align="center"><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhx8kixYsySh7zZC3tiheJC0fZzG_Df_S_ucUO37B9dxjWz6aX616qrlBR2h7zS621_HyrebATzIKmPom2xFqO52N0ku31ZehaF8D79soe9eTG-8FCHeF_nw3Ww-SFA7uIl-7c1W2uXYQ/s1600/PB103268.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5404496140412818194" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhx8kixYsySh7zZC3tiheJC0fZzG_Df_S_ucUO37B9dxjWz6aX616qrlBR2h7zS621_HyrebATzIKmPom2xFqO52N0ku31ZehaF8D79soe9eTG-8FCHeF_nw3Ww-SFA7uIl-7c1W2uXYQ/s200/PB103268.JPG" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjE8rIIISMcBkIINIc3W4Vb3VQn5obl3uLkcaZkRoyhq7uG0QteU1O1coDutirhEiLmm_jqRhBH60WXfBPFoilgYnulxGgGQChydaOREdfJCrIP5hpJFOLVIhebrZBKdmrYVq0xX1bNYA/s1600/ladiesroomv1.jpg"><img style="WIDTH: 219px; HEIGHT: 148px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5404496446922576450" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjE8rIIISMcBkIINIc3W4Vb3VQn5obl3uLkcaZkRoyhq7uG0QteU1O1coDutirhEiLmm_jqRhBH60WXfBPFoilgYnulxGgGQChydaOREdfJCrIP5hpJFOLVIhebrZBKdmrYVq0xX1bNYA/s200/ladiesroomv1.jpg" /></a><br /><br />wardrobe dan bilik tidur anak perempuan<br /></div><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXNTW-uu_6YimnroyilkFEFsVTjml9Q1vfdr0G7w1RjdQpMU1ouuA6G-rdeLbBv6eYLK7GWK2uOPmgaqLSdf3RgFCpDclfZc6QrdVZok61GxD3IH9vvx4iJKGIlMpy-EPB5FBJkHehag/s1600/PB153302.jpg"><img style="WIDTH: 150px; HEIGHT: 200px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5404491956269193266" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXNTW-uu_6YimnroyilkFEFsVTjml9Q1vfdr0G7w1RjdQpMU1ouuA6G-rdeLbBv6eYLK7GWK2uOPmgaqLSdf3RgFCpDclfZc6QrdVZok61GxD3IH9vvx4iJKGIlMpy-EPB5FBJkHehag/s200/PB153302.jpg" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg26JumPHYfX2XsXBrg2-N_dFOB2SAsSSW5zYB1wkb9mejtm4Z4jqHspU-ze8UcftHs5CLjtGnildZF3rWENPS5tCxd4i8BZ2wDzQtpXTdthRhLdkEHzVsWw3EEYnGC7Z6y7Dc4JJ4K0g/s1600/PB153294.jpg"><img style="WIDTH: 150px; HEIGHT: 200px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5404491870110055954" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg26JumPHYfX2XsXBrg2-N_dFOB2SAsSSW5zYB1wkb9mejtm4Z4jqHspU-ze8UcftHs5CLjtGnildZF3rWENPS5tCxd4i8BZ2wDzQtpXTdthRhLdkEHzVsWw3EEYnGC7Z6y7Dc4JJ4K0g/s200/PB153294.jpg" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhUP-sFtXoEs0mxs3DegAEHOnoSLlMvz9WFtSaX2a9sRFbUxlKDZQD_vG6XTBxF74xlsGR719ZJksCk2m6SMC3iOk1M-GsLVpA7n2CdmB2j078l0_8Ygic7Uc_cer-0jSJFh6BfEX17EQ/s1600/PB153299.jpg"></a><br /><br /></div><div align="center">dapur kering dan langsir kat tangga<br /><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQPWANZh6Poh1TassSKCwjY5kldQA8GmsAP4E11F1tuJ6Zs8AoD8CsW3Ewq_ynLIq9cocCL1VF4XD1H0lNEMh8PRR0berGmRHiNv3BrvvUWENFWmm1JvyZzhJ7wwAIqxBvNpMOntYTqA/s1600/PB153289.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5404491743433481154" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQPWANZh6Poh1TassSKCwjY5kldQA8GmsAP4E11F1tuJ6Zs8AoD8CsW3Ewq_ynLIq9cocCL1VF4XD1H0lNEMh8PRR0berGmRHiNv3BrvvUWENFWmm1JvyZzhJ7wwAIqxBvNpMOntYTqA/s200/PB153289.JPG" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_I3U91fbbG00VcBFxuWks_uHdrE50xYDPhujH7pyOklLl3M0vFypMPrTj8oIWCYSRN_3HV2nR4QYvF54cgfnlKnGtZRVR5jFEblCZh_YoBbe0YNwKcDjmUVUiuQNoTfY5o3JAAQ8sLw/s1600/PB153299.jpg"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5404492201330221106" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_I3U91fbbG00VcBFxuWks_uHdrE50xYDPhujH7pyOklLl3M0vFypMPrTj8oIWCYSRN_3HV2nR4QYvF54cgfnlKnGtZRVR5jFEblCZh_YoBbe0YNwKcDjmUVUiuQNoTfY5o3JAAQ8sLw/s200/PB153299.jpg" /></a><br /></div><div align="center">lampu alpha vannus dan dapur basah<br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXb8Gyr5v-EjtV-vVGQvK6E32eyuG1IV78WiqDrG4nIXNbX74K3hZFzXFoGb6-BWAKN7VbmxepX6AEq9aFgA2QLq9vuzZb3Fjil-8fv-Kz9feDA9gSoJtP-ccVeVMCyVloP-PmQVQFNw/s1600/PB153292v1.jpg"><img style="WIDTH: 150px; HEIGHT: 200px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5404489949693082498" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXb8Gyr5v-EjtV-vVGQvK6E32eyuG1IV78WiqDrG4nIXNbX74K3hZFzXFoGb6-BWAKN7VbmxepX6AEq9aFgA2QLq9vuzZb3Fjil-8fv-Kz9feDA9gSoJtP-ccVeVMCyVloP-PmQVQFNw/s200/PB153292v1.jpg" /></a><br /><br />langsir Ruang Tamu<br /><br /></div><div> </div><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgX884NHcV-TzoNNCwnidxwYeAAs_hqex5BcP-sefn3yixMDpzsCpxeCt6XM-Xj3pGBonQTHroYGvGSw-Qx03iE0-7r1Za8YU7NIUS-fPGQhSQhOo0MKQXaoaYm2RKurkBK2WCe5MD5ZWk/s1600/PB143283.jpg"><img style="WIDTH: 150px; HEIGHT: 200px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5404489937483655842" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgX884NHcV-TzoNNCwnidxwYeAAs_hqex5BcP-sefn3yixMDpzsCpxeCt6XM-Xj3pGBonQTHroYGvGSw-Qx03iE0-7r1Za8YU7NIUS-fPGQhSQhOo0MKQXaoaYm2RKurkBK2WCe5MD5ZWk/s200/PB143283.jpg" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9RZ2qGv4u0oqI2yLovwzVrl-TzcxkL4SGv2qlkAli2ZwC702A2cFq7Kw8goia2yNHqzW0a030ZZUv8hGlxdjpAf7qgUN_Vv_denoolbKT5HpCydEghOxVOWd5gfAeeONFGDQ5v4Accw/s1600/PB143279.jpg"><img style="WIDTH: 150px; HEIGHT: 200px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5404489931616365314" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9RZ2qGv4u0oqI2yLovwzVrl-TzcxkL4SGv2qlkAli2ZwC702A2cFq7Kw8goia2yNHqzW0a030ZZUv8hGlxdjpAf7qgUN_Vv_denoolbKT5HpCydEghOxVOWd5gfAeeONFGDQ5v4Accw/s200/PB143279.jpg" /></a><br /><br />curtain bilik air dan aircon mitsu super slim dalam master bedroom<br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOh_xJ3gK8fxd5beuLLMd4YvlnS4vbc0Jfo9lk7JirVZrs9KR0YaPE230Gs_1s4G_J4pTQTIG5Ne9PhOOqxsxapZ3ndsDtgfEwzNVIzOIqw0Duwl2F72gWom4ooHf9w9VxmW6CLvLefFQ/s1600/PB143275.jpg"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5404489922697711330" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOh_xJ3gK8fxd5beuLLMd4YvlnS4vbc0Jfo9lk7JirVZrs9KR0YaPE230Gs_1s4G_J4pTQTIG5Ne9PhOOqxsxapZ3ndsDtgfEwzNVIzOIqw0Duwl2F72gWom4ooHf9w9VxmW6CLvLefFQ/s200/PB143275.jpg" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFaAlSL_JxJff3_nWKKprcbQAcA4HO3PxLogG_aSiBu8_d7SIGA3NN0adL8I4NOkP5intn41XiIEIlHk0t2AM_EOUit_8UhDzGYJWSxKdWTwasUZJ-Wim-eJhjxoLu-_qVdnhaksX9dw/s1600/PB143284.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5404489943094468434" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFaAlSL_JxJff3_nWKKprcbQAcA4HO3PxLogG_aSiBu8_d7SIGA3NN0adL8I4NOkP5intn41XiIEIlHk0t2AM_EOUit_8UhDzGYJWSxKdWTwasUZJ-Wim-eJhjxoLu-_qVdnhaksX9dw/s200/PB143284.JPG" /></a><br />Aircond fan langsir anak perempuan</div></div>KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com26tag:blogger.com,1999:blog-12873365843572854.post-65710915355157337232009-11-02T22:29:00.003+08:002009-11-02T22:36:51.284+08:00Pelaburan - Kampung Vs BandarMgg baru nie... dapat call dari pakcik sedara yang akan pergi haji... katanya dia akan pergi haji tahun nie..... alhamdulillah setelah bersusah payah menanggung anak-anak akhirnya dapat pergi haji... apa yang nak dikongsikan adalah cara pelaburan yang dia buat...<br /><br />Pakcik L adalah penduduk kampung yang mana mempunyai beberapa ekar tanah yang dijadikan kebun getah, buahan dan kediaman.. kehidupan adalah seperti org kampung yang lain... bezanya Pakcik L ada memelihara kambing dan lembu. Pakcik L kata cara org kampung buat pelaburan adalah dengan menternak lembu dan kambing......<br /><br />Gunanya... apa bila anak nak ke U atau ada nak buat kenduri, lembu dan kambing nie lah yang menjadi modal...... setelah beberapa lama... makin banyak dan semakin untung apabila dah dijual untuk majlis akikah dan korban... dalam 3 tahun.. Pakcik L boleh gunakan keuntungan tersebut untuk menunaikan ibadah haji.....<br /><br />kesimpulannya....<br /><br />Orang kg - pelaburan dengan binatang (lembu, kambing etc) dan tanaman (durian, langsat, rambutan etc)<br /><br />Orang bandar - pelaburan dengan rumah, Amanah saham, Emas, etc<br /><br />yang paling penting ada objek yang menjadi medium pelaburan. bukan skim cepat kaya....KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com0tag:blogger.com,1999:blog-12873365843572854.post-25748525801144657212009-10-30T14:45:00.010+08:002009-10-30T16:00:31.179+08:002nd Phase - Lampu - petua abiskan duit<div>Senang aje nak abiskan duit....<br />Apa yang aku telah buat adalah dengan melakukan 2nd phase renovation utk masuk rumah baru.. Kali ini... Lampu dan wiring...<br /><br />Semalam adik telah datang untuk pasang lampu, kipas dan juga tambah soket utk dapur, luar rumah dan bilik2 ... Semua bilik padang kipas dan dapur telah di ubahsuai wiring supaya tak kekok sangat kerana tak perlu tekan suis diluar utk masuk dapur...<br /><br />Soket pun dah ditukar ke warna hitam/silver..... nasib baik dapat murah sikit apabila pegie beli kat kilangnya sendiri... ada warna kayu, putih dan silver..<br /><br /><br /></div><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRSJiTwdE2CqMBEbwx36jPx7-RMonXemlSty1AdifM_vFnDLEW4eTu1IDjUd32w-U031RGW1y-_VLjlvfx24uSwFmD1G8ublj82MfxpYj5mfSsadCsCVj6g8T6ImxnhdjJznX7Oc_jCQ/s1600-h/PA293167_resize.JPG"><img style="WIDTH: 150px; HEIGHT: 200px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5398295790595462658" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRSJiTwdE2CqMBEbwx36jPx7-RMonXemlSty1AdifM_vFnDLEW4eTu1IDjUd32w-U031RGW1y-_VLjlvfx24uSwFmD1G8ublj82MfxpYj5mfSsadCsCVj6g8T6ImxnhdjJznX7Oc_jCQ/s200/PA293167_resize.JPG" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2o1RtZH_W2AcRmFFEOwp6OevIuUGnlEhcvATCp5mQDqhz4JgPwvBN5J7IqOaa8lt8wuZEbo2ShP7EiWzowZuGofTp-7nzpzRm6S4UTdeNSkHzqWFFUhoubeHA0Mvxqr46oE0ETQZRmA/s1600-h/PA303183_resize.jpg"><img style="WIDTH: 150px; HEIGHT: 200px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5398295783559252258" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2o1RtZH_W2AcRmFFEOwp6OevIuUGnlEhcvATCp5mQDqhz4JgPwvBN5J7IqOaa8lt8wuZEbo2ShP7EiWzowZuGofTp-7nzpzRm6S4UTdeNSkHzqWFFUhoubeHA0Mvxqr46oE0ETQZRmA/s200/PA303183_resize.jpg" /></a><br /></div><div><br /></div><div align="center">Bilik anak lelaki Ruang tamu<br /><br /></div><div><br /></div><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgi7ptIhXR0k7T3dxEdVgbHtdGJinMLRy08iECDCClSa6oFzAibbYy46ubQ4h6i4mG0Qy_uHaLQ2lJumgPlWuoFtTt0xPUxan1Z_rYKiOMqNXoaztm77hhdllzJt0QTs7JgOjWre798nA/s1600-h/PA303180_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5398295776050065586" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgi7ptIhXR0k7T3dxEdVgbHtdGJinMLRy08iECDCClSa6oFzAibbYy46ubQ4h6i4mG0Qy_uHaLQ2lJumgPlWuoFtTt0xPUxan1Z_rYKiOMqNXoaztm77hhdllzJt0QTs7JgOjWre798nA/s200/PA303180_resize.JPG" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj80a7rioZe0MEPmmAl1u3opjxVl9D0dhloZQh6poFwaoqNxORXobOloeNAP67pu6wzN5zY2BLTzGd3uz88hXroebAg5tk___fVdEHtNdOdp7Rt3c1HwoGVfS9-38n61Z84rON9Rjrzlw/s1600-h/PA303188_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5398295502131613490" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj80a7rioZe0MEPmmAl1u3opjxVl9D0dhloZQh6poFwaoqNxORXobOloeNAP67pu6wzN5zY2BLTzGd3uz88hXroebAg5tk___fVdEHtNdOdp7Rt3c1HwoGVfS9-38n61Z84rON9Rjrzlw/s200/PA303188_resize.JPG" /></a><br /><br />Bilik bawah/tetamu Bilik air<br /></div><div><br /></div><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIqtG7SdxzzFsD2tWV6eVvw6ltr9o8K6VSjJ6C1cxzYWqMouq6XYuT5rBS1UXJ3duNerCJt6-6k-jsi8fa-Xlbf2czIxsrPPidfwPPNZartum6PfJREJmPLnJ13eANJuMbEILX0Wdmsoc/s1600-h/PA303186_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5398295497145274754" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIqtG7SdxzzFsD2tWV6eVvw6ltr9o8K6VSjJ6C1cxzYWqMouq6XYuT5rBS1UXJ3duNerCJt6-6k-jsi8fa-Xlbf2czIxsrPPidfwPPNZartum6PfJREJmPLnJ13eANJuMbEILX0Wdmsoc/s200/PA303186_resize.JPG" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgayURF4pD_PWCMqjz85JvNTXaQ3pPyOtRp_-4Tgx8pshJX_pUEWw_dOTcymxg6FTcd9jzJ56eFHK99gnPw7RiWe4hjIGztFJ8T0tWpL0Hs94ZZtWDkqCiOoxrt7a0g158ehk9rFwEGQ/s1600-h/PA293168_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5398293651061172738" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgayURF4pD_PWCMqjz85JvNTXaQ3pPyOtRp_-4Tgx8pshJX_pUEWw_dOTcymxg6FTcd9jzJ56eFHK99gnPw7RiWe4hjIGztFJ8T0tWpL0Hs94ZZtWDkqCiOoxrt7a0g158ehk9rFwEGQ/s200/PA293168_resize.JPG" /></a><br /><br />Bilik anak perempuan<br /></div><div><br /></div><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXwMWCnOTyQQydezZMfvAeG8PnKeD24wgUIHaJAS6h6aJAVPeNVqrMWQUeT8PxWDEyhDWddNwIG9yYTsbvrGOhyphenhyphenwarBJJcY34tqe8p9xumMPgWlIaLzQQtUqS491XZc0fXZIeUzN0aUGk/s1600-h/PA293169_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5398295496013030002" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXwMWCnOTyQQydezZMfvAeG8PnKeD24wgUIHaJAS6h6aJAVPeNVqrMWQUeT8PxWDEyhDWddNwIG9yYTsbvrGOhyphenhyphenwarBJJcY34tqe8p9xumMPgWlIaLzQQtUqS491XZc0fXZIeUzN0aUGk/s200/PA293169_resize.JPG" /></a><br />Master Bedroom<br /></div><div><br /></div><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjBB_3vlQSt52iP0gtg-mnRHBpDHvC5ko-Cn1_-I6WlMT0fBi0sdqem2aln-RKcNlrEC_UQrHYmWy8hlgltljFsY6jFVLj7Rs3VnBK9eHORq4Ud_cWWaH7snJqo7Us_fzbAqz9ABa1whA/s1600-h/PA303175_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5398295494364650386" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjBB_3vlQSt52iP0gtg-mnRHBpDHvC5ko-Cn1_-I6WlMT0fBi0sdqem2aln-RKcNlrEC_UQrHYmWy8hlgltljFsY6jFVLj7Rs3VnBK9eHORq4Ud_cWWaH7snJqo7Us_fzbAqz9ABa1whA/s200/PA303175_resize.JPG" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghmBzqWhREVh5QP06v9n3vZQy148o76NWalGC-txWCSm1n9R8GW2le1lsIeqYRDeeutqOtXgc7qaGG_foMZBdszdzP1Lvc4_wHCTK5IQknqJQgdkt4mPGd6XijAA_dnJCfppti46QYlqk/s1600-h/PA303174_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5398295489712096930" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghmBzqWhREVh5QP06v9n3vZQy148o76NWalGC-txWCSm1n9R8GW2le1lsIeqYRDeeutqOtXgc7qaGG_foMZBdszdzP1Lvc4_wHCTK5IQknqJQgdkt4mPGd6XijAA_dnJCfppti46QYlqk/s200/PA303174_resize.JPG" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqk7AGASp2fuiyAc8hEWXadYRP3IkDC_ujhGZdXyHqhr8fMC0P4XxdL6m8jBwnF_coPSeON4OG89PXbJthp_XeLSSPgdYoq5Yly48s76TRdrIVnNuXP9SA4hRQOdzRVoj84vSIuMAzXg/s1600-h/PA303173_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5398281462687462914" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqk7AGASp2fuiyAc8hEWXadYRP3IkDC_ujhGZdXyHqhr8fMC0P4XxdL6m8jBwnF_coPSeON4OG89PXbJthp_XeLSSPgdYoq5Yly48s76TRdrIVnNuXP9SA4hRQOdzRVoj84vSIuMAzXg/s200/PA303173_resize.JPG" /></a><br /></div><div><br /></div><div align="center">Ruang Tamu</div><div><br /></div><div align="center"><br /></div><div><br /></div><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgtZ6SWqsqq1922j0hyXu4j56WMGWc1sQLxwJNnNSOXl3rAqHHv0aWPtSohuWdDW5rDHXNtTm5y3IFHjlM1lZNnroYFzdJyZPjpDVmzmIOQ0tfu0QSFf1aEdw6dqLh7AigRFlLfuEAjOA/s1600-h/PA303179_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5398293873753173410" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgtZ6SWqsqq1922j0hyXu4j56WMGWc1sQLxwJNnNSOXl3rAqHHv0aWPtSohuWdDW5rDHXNtTm5y3IFHjlM1lZNnroYFzdJyZPjpDVmzmIOQ0tfu0QSFf1aEdw6dqLh7AigRFlLfuEAjOA/s200/PA303179_resize.JPG" /></a><br />lampu dapur kering<br /><br /></div><div><br /></div><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjFAkM1KeylhZv1mcgTCbEROsX4ja8w8WWl56KeuApvZCGzsIzYPDFc3M9zK-thCg801BUZqbHxcH8dROrPnkJ_8l1VfnpJ72vyzrws8hrHvVIdvADPcqD7WeE5YtiYw30w6EzXFkwfqQ/s1600-h/PA303177_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5398293867497769522" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjFAkM1KeylhZv1mcgTCbEROsX4ja8w8WWl56KeuApvZCGzsIzYPDFc3M9zK-thCg801BUZqbHxcH8dROrPnkJ_8l1VfnpJ72vyzrws8hrHvVIdvADPcqD7WeE5YtiYw30w6EzXFkwfqQ/s200/PA303177_resize.JPG" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjjUIMmVQkpYNaqLnXpLz1EbbohlgFDg8aKl0DVTx_3Qg0m40qeC6UjxXS69CWlHTywwYy_FHkvbyAHuD1u44Xjk7YBB9jAVDPv_23QPTFyyXiS26d_jUP0zwTlM8-NWVAHMKs9lFgGdA/s1600-h/PA303178_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5398293655929634722" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjjUIMmVQkpYNaqLnXpLz1EbbohlgFDg8aKl0DVTx_3Qg0m40qeC6UjxXS69CWlHTywwYy_FHkvbyAHuD1u44Xjk7YBB9jAVDPv_23QPTFyyXiS26d_jUP0zwTlM8-NWVAHMKs9lFgGdA/s200/PA303178_resize.JPG" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjpcZ1ignHRyCV4MwelyVu_161DjAp9Svc_YJhFrgoQ9yfFg5PAAJ35-SQv4HA-cgwrteI6-QqGYRqoP84m_SnWn2iLJlE-h7qZOQlN_267gQSq1QXZYp9R_jK82ECpHAhzgsLZELHNng/s1600-h/PA303176_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5398293870251751730" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjpcZ1ignHRyCV4MwelyVu_161DjAp9Svc_YJhFrgoQ9yfFg5PAAJ35-SQv4HA-cgwrteI6-QqGYRqoP84m_SnWn2iLJlE-h7qZOQlN_267gQSq1QXZYp9R_jK82ECpHAhzgsLZELHNng/s200/PA303176_resize.JPG" /></a><br /><br />Lampu warna-warni... 3 colour... berubah</div><div><br /></div><div align="center"></div><div><br /></div><div align="center"></div><p align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjoRVXHnALgCXdbspLo8H3BX5-NYK1cWsqI2ZjsDTGpyRkMrveYFofo7LKqc0g3IQFiQcm6GoYM_nOQphjvKme68bLy85UKgm3aUaVgOZgKeUC4wYXayJ_HlW7rWEzpG9dSMoy4ZEGy8ck/s1600-h/PA303182.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5398299552577741682" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjoRVXHnALgCXdbspLo8H3BX5-NYK1cWsqI2ZjsDTGpyRkMrveYFofo7LKqc0g3IQFiQcm6GoYM_nOQphjvKme68bLy85UKgm3aUaVgOZgKeUC4wYXayJ_HlW7rWEzpG9dSMoy4ZEGy8ck/s200/PA303182.JPG" /></a></p><p align="center">Persoalannya... bilalah nak siap KC aku nie..... kontraktor lembab sangat... Orang nak pasang kabinet dah tak sabar nak pasang</p>KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com29tag:blogger.com,1999:blog-12873365843572854.post-16728336179152526942009-10-15T14:15:00.007+08:002009-10-30T15:58:35.309+08:001st phase - renovation<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgy_LZTxpMTWf4xJSg-PJNIWy8GcmAqTekXYUtAIHDBgYDz0-z41pitLD1j9Ch37wTrS79B1s6V11Dbr0m_eolZCcqLoLd47J_QAVdtf8WJeb6J8TunFauya_7Yx249ITDYqIWmerv8Q/s1600-h/PA153074_resize.JPG"></a><br /><div>mm hari ini barulah mula renovation setelah dapat permit daripada MPKJ... mulakan denga table top dan maybe esok akan dibuat cornice.. hopefully oklah hasilnya..</div><div></div><div align="center"></div><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhhXJHdo4Z76X7K3e8H0tHySWti33GP-Eshpq-3syrwSZfphop0wsyRrw9-UHHCaxTXh3uUgmGn8BmFc7yeJciKT3gtN5p_7Ak2tPP7ML2Rrgmes2IDxo1YHooAIfnGVv1EO1Dy9IX-3Q/s1600-h/PA153073_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5392708379552193330" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhhXJHdo4Z76X7K3e8H0tHySWti33GP-Eshpq-3syrwSZfphop0wsyRrw9-UHHCaxTXh3uUgmGn8BmFc7yeJciKT3gtN5p_7Ak2tPP7ML2Rrgmes2IDxo1YHooAIfnGVv1EO1Dy9IX-3Q/s200/PA153073_resize.JPG" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiM6sBQr2SvaOfCj4-kJwdu8rtqyqv8AgaNR7dPreFRnDEue4-Z8Es94OgzJJxM3AJ14BocJdzOZt6VCQr7iwRmeCG31nxAcUBeh4jHFl76ixfUOOLX9b4RiLOgu-mvUZSR8269bNZFC5U/s1600-h/PA153072_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5392708373447956002" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiM6sBQr2SvaOfCj4-kJwdu8rtqyqv8AgaNR7dPreFRnDEue4-Z8Es94OgzJJxM3AJ14BocJdzOZt6VCQr7iwRmeCG31nxAcUBeh4jHFl76ixfUOOLX9b4RiLOgu-mvUZSR8269bNZFC5U/s200/PA153072_resize.JPG" /></a><br /><br /></div><div align="center">barang-barang dan mamat indon tengah ikat besi table top<br /><br /><br /></div><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjUY6tdkZyBIAmDGvfJSCNn4EJmbure_bYCuP-VGhdr7PGEp1bCuIvY5cLSh1fMIMSIgJOfkhl0uOkxzLWNBvw_N1BVubG4T2EbsSD3yNr21suXEaLEhw2OVeeYl44NQB1MnYdFonY-0T8/s1600-h/PA153071_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5392707579166325202" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjUY6tdkZyBIAmDGvfJSCNn4EJmbure_bYCuP-VGhdr7PGEp1bCuIvY5cLSh1fMIMSIgJOfkhl0uOkxzLWNBvw_N1BVubG4T2EbsSD3yNr21suXEaLEhw2OVeeYl44NQB1MnYdFonY-0T8/s200/PA153071_resize.JPG" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXAGZKXXGBfadOkjyugLq_KvQSWD8Je0bs8wGWUZ10zsPXxtjpogxGq2CuCXrIZoDkDpejCBVD7mIes_9jVmat82_iKGbn4Oyuck5y-sC5uU62tBiQBwICO1upO_qouEvGO5TI9C2SjMg/s1600-h/PA153069_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5392707565235096194" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXAGZKXXGBfadOkjyugLq_KvQSWD8Je0bs8wGWUZ10zsPXxtjpogxGq2CuCXrIZoDkDpejCBVD7mIes_9jVmat82_iKGbn4Oyuck5y-sC5uU62tBiQBwICO1upO_qouEvGO5TI9C2SjMg/s200/PA153069_resize.JPG" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-4c4V5OwrTQPQ8lyUb4l7RhJmeOPZltHj15VL1iewQ_HnxLxk4MIrc_GdJYbq2vhk1r8gPSGqm3p2MlCqB8zDG71t-RjqXMgxdhEOy8KEawhFoQqyKZMIxeZhm1zPtR2TieJvyA4a4w/s1600-h/PA153070_resize.JPG"></a><br /><br />kuat keje mamat indon nie<br /></div><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtU2v2rSOLHNV6u9BYW5VyhTJSD-91emOZuWOAYQfb6P5qbM9mmCo5FhwEKYD6jCghDMtDGJyjkieZoU1I3N2ui_ouA0VYqZSh203uADose7EDm2nRVvDWOxpc0OYayKVGkWOLsS5wjA/s1600-h/PA153068_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5392707557669479778" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtU2v2rSOLHNV6u9BYW5VyhTJSD-91emOZuWOAYQfb6P5qbM9mmCo5FhwEKYD6jCghDMtDGJyjkieZoU1I3N2ui_ouA0VYqZSh203uADose7EDm2nRVvDWOxpc0OYayKVGkWOLsS5wjA/s200/PA153068_resize.JPG" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhoQSwORsEnFwqN2D5g65NdjiS0tiimFw3Y2k1BKReohoQhsMQG7rI41pYXCDbaLAaOTk71E4NNut9vBrJltGXxJ0GIB-7O9wfvXCn2mi6hP9qzC3Wh_wQEQgUqwnUoGx_z7WaSg1kdcgw/s1600-h/PA153067_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5392707548477217714" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhoQSwORsEnFwqN2D5g65NdjiS0tiimFw3Y2k1BKReohoQhsMQG7rI41pYXCDbaLAaOTk71E4NNut9vBrJltGXxJ0GIB-7O9wfvXCn2mi6hP9qzC3Wh_wQEQgUqwnUoGx_z7WaSg1kdcgw/s200/PA153067_resize.JPG" /></a><br /><br />corner PS dan cornice utk ruang tamu sahaja<br /></div><div align="center"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2_j6ItJdu-zlyqlDgnQJbxMmHljYH0-sdLoXAy2Uepw50He-_8R5d1qhDYWvfecn0u6syrKnWOD64JLGxm9wFk-AQKwoxPjs9PgZaTT9jUgEDUo_kZJm8PpXlt8PLE7NrX0j5-ZAoDg/s1600-h/PA153066_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5392707327590833490" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2_j6ItJdu-zlyqlDgnQJbxMmHljYH0-sdLoXAy2Uepw50He-_8R5d1qhDYWvfecn0u6syrKnWOD64JLGxm9wFk-AQKwoxPjs9PgZaTT9jUgEDUo_kZJm8PpXlt8PLE7NrX0j5-ZAoDg/s200/PA153066_resize.JPG" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjzZKL96RiPtxBoo9KCJKXYxUwy8YeoJFiyUp5CXsOfZUo7IZJK2YeMPMT94sbILUQFVQThPO42ulnvbNKXjcGAhhYf7m1y9mQ944GVd6tX0gtoft4bxDmOmHw_H7doSgd3c4h5CRMXHw/s1600-h/PA153065_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5392707320311656354" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjzZKL96RiPtxBoo9KCJKXYxUwy8YeoJFiyUp5CXsOfZUo7IZJK2YeMPMT94sbILUQFVQThPO42ulnvbNKXjcGAhhYf7m1y9mQ944GVd6tX0gtoft4bxDmOmHw_H7doSgd3c4h5CRMXHw/s200/PA153065_resize.JPG" /></a><br /><br />deretan cornice utk satu rumah<br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbsy1o80FiUdVnNU5QWKUFhcYsVitysTLJfMzety87C2_-TzimxkU4koiuH64ANj1dM_Ng_x8AMoCcMo5nYaRUHGQ7-3VZfmreIIA3L3337yKyTyRvtaSzKjBpTY-1RmZvsabsM-OdiQ/s1600-h/PA153064_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5392707312568720898" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbsy1o80FiUdVnNU5QWKUFhcYsVitysTLJfMzety87C2_-TzimxkU4koiuH64ANj1dM_Ng_x8AMoCcMo5nYaRUHGQ7-3VZfmreIIA3L3337yKyTyRvtaSzKjBpTY-1RmZvsabsM-OdiQ/s200/PA153064_resize.JPG" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-t1CqikqK6iXPofNJAGPUEMaGA3StLXEwOHH0O5K1Sl3TE3mbyCLhxJDyk0baHMGxp1GiRUMChaJ0P9RgISNMU2lUNTvp7tzmG63Shf5TgEaxvHlMU-ovhPpAqOLh7zGQKJ9qHvc2bw/s1600-h/PA153063_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5392707305496583570" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-t1CqikqK6iXPofNJAGPUEMaGA3StLXEwOHH0O5K1Sl3TE3mbyCLhxJDyk0baHMGxp1GiRUMChaJ0P9RgISNMU2lUNTvp7tzmG63Shf5TgEaxvHlMU-ovhPpAqOLh7zGQKJ9qHvc2bw/s200/PA153063_resize.JPG" /></a><br />tile utk belakang rumah dan table top<br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwbuXEynMyNdGaB8TW9ZFp3aRTmNyPDoK7SnwJfdeTJtSXtXdLqyk2mUCT1NSauWnMMqHhXnd82kkU8dAHzIw7iWnI_kmF8VRbI3o0JoqwVJ8hKtg-4A4ukI5d8mT1_hGBQnfw9_hO5Q/s1600-h/PA153062_resize.JPG"><img style="WIDTH: 200px; HEIGHT: 150px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5392707299870837122" border="0" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwbuXEynMyNdGaB8TW9ZFp3aRTmNyPDoK7SnwJfdeTJtSXtXdLqyk2mUCT1NSauWnMMqHhXnd82kkU8dAHzIw7iWnI_kmF8VRbI3o0JoqwVJ8hKtg-4A4ukI5d8mT1_hGBQnfw9_hO5Q/s200/PA153062_resize.JPG" /></a><br /><br />high gloss tile untuk table top RM29.90 sahaja<br /></div>KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com27tag:blogger.com,1999:blog-12873365843572854.post-42213731346767159782009-10-04T14:41:00.008+08:002009-10-12T21:19:17.186+08:00Improve handling dan keselesaan pemanduan<div align="center">Hari ni pagi-pagi lagie aku dah ke kedai pokok ceri... untuk sarapan.. dah lama tak pergi.. sejak puasa tempoh hari.. sarapan di de' muar Kajang... lepas sarapan.. terus ke kedai peralatan dapur dan bilik mandi... nak ambik singki yang telah di book.. sambil2 nak ambik singki tue.. termbik barangan lain.. kopak gak rm900... budget nak ambik sinki yang berharga rm480.. tapi lain plak jadiknya... apa yang tel;ah terborong adalah, pengangkut pakaian, tempat letak shampu dan cermin bagi kedua2 bilik air, cermin besar di dalam master toilet, dan beberapa barangan aluminium kecil... </div><br /><div align="center"></div><br /><br /><br /><div align="center">balik rumah jam 12 tgh hari... layan plak kereta.... nak comfortkan pemanduan.. kenalah tukar spring kereta... kopak rm580. tue pun dapat dari kengkawan.. kat kedai ada yang jual sampai rm990. banyak tul untung diorang nie.. beli spring improve... seperti mana sebelum ini.. sebelum aku pasang sure aku akan tambahkan getah untuk disalutkan kedalam spring tue.. bagi lebih comfort bila bawak nanti... 2 jam lebih jugak masa yang diambik.. tangan abis melecet... tapi hasilnya.. pasti memuaskan kelak... dah buat pada Kkar dan kereta sedan sebelum nie.. memang kawan2 kata lebih comfort.. dari yang asal....<br /></div><img id="BLOGGER_PHOTO_ID_5388634058424027730" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 267px; CURSOR: hand; HEIGHT: 400px; TEXT-ALIGN: center" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKII_3bHM8Bc_bJOD_X6okxKV4-ZIL1meECTIPApOiiMNg8UtmcyM_lbGg6HaAhGh52z4RKgZk78pjtWQWE2jiFhUC7sR9S6SRLLhjskJGXHJlQKKxKfXhA6L3iKzUoGkvmKU4fQKpZA/s400/IMG_3834v1.jpg" border="0" /><br /><br /><img id="BLOGGER_PHOTO_ID_5388634050626892242" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 400px; CURSOR: hand; HEIGHT: 266px; TEXT-ALIGN: center" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYgYfaU87_-H3iil1pmFHyUeUxJlJv7IWgTIipcn2y8nuVDDtlzrrHKDawe2Ln1Z0NC6YRFZ8lxv8p-0VAmAQ0rac-EZZLVsQCEi25rv8lqNtZifWl3G42Z2ZyvVT5oiSNt2vXv2h_PQ/s400/IMG_3825v1.jpg" border="0" /><br /><br /><img id="BLOGGER_PHOTO_ID_5390040818411985394" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 400px; CURSOR: hand; HEIGHT: 300px; TEXT-ALIGN: center" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjFJ_zFEHwCGGxa9DcjBbjPTacR0by6T5d56Xu03u343LMqLxKkD9lf5whyptyiwtrXencslOSq3Nm9Oe0NQK5PTT87uXarvK0rzrNKDcQ1vd0WnrwXiGPWSxf-ZwGwF11cO-3USVrVUw/s400/IMG_3827v1.jpg" border="0" /><br /><br /><br /><p align="center"><span style="color:#ff0000;"><strong>SEBELUM</strong></span><br /></p><br /><br /><br /><img id="BLOGGER_PHOTO_ID_5390483734988845778" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 400px; CURSOR: hand; HEIGHT: 287px; TEXT-ALIGN: center" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhCHB8xBd50JuLan2zZi3SXUDzCE_4_nUOvvvcz60yIeyBdV-Gc3X0RfD43lf_dyhTP7jkMwPNNRNE1GeiNogPOzT8oVvSYa6ApiAmeyRlpP_RWvdBFXt8wkCO2SjXPRT2aHN-bOTDlZE/s400/PA093051v1.jpg" border="0" /> <img id="BLOGGER_PHOTO_ID_5390486462525933986" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 400px; CURSOR: hand; HEIGHT: 300px; TEXT-ALIGN: center" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSoOcQnqg4Pfpx8chhpdE18zjvGMY7-1BDs5QioNTignr_E6Pm-zMftnpnVobwPMRBR9rM-RxGC40cWHC13HhffAptIOZJSeAqpAx6pbPBcRZL7HtdJbpBZhd7CllteLzNz-yOMv417w/s400/PA093050v1.jpg" border="0" /><br /><br /><p align="center"><span style="color:#33cc00;">SELEPAS </span></p><span style="color:#33cc00;"></span><br /><span style="color:#33cc00;"><p align="center"><br /></p><img id="BLOGGER_PHOTO_ID_5391702200288847442" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 267px; CURSOR: hand; HEIGHT: 400px; TEXT-ALIGN: center" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEijTH_36X14TpZnTSJq17t-4l2Gr1LREf8YyJDRdGMP-spp8669jplzBa2k2BIn7S0FCyIIHYhGpldLZp0R3WDp1PRlMbF9dIsGcXnOxxXSoWcXmqN00odxRBYqSD2NpwxYpr0aD2jvoXk/s400/knamimpulv1.jpg" border="0" /></span>KEOWNhttp://www.blogger.com/profile/00422214939058649006noreply@blogger.com6