MALAYSIAN...!! plz take note...!!

huh...sesungguh nyer ramai lagi rakyat malaysia ramai yg tak tahu....expecially MELAYU..
AGENT FEE for PROPERTY AGENT sebenarnye di bayar oleh OWNER bukan oleh PEMBELI. sbb buyer suke cam blurr bile aku ckp aku property agent..diorg ingat diorg yg kene byr fee aku kot.. lg satu mentality rakyat malaysia adalah...PROPERTY AGENT JUAL RUMAH MAHAL... emm...kami hanye menjual ape yg OWNER nk..tak de keje nk naikkan harge..ramai lg agent yg boleh jualkan umah owner tuh..kalau agen 1 jual mahal.. agen 2 pulak bole jual murah..dah tentu org akan lari kt agen 2..for ur information.. yg dok main2 harge tu ade lah broker...aku bukan broker ok... aku adalah ESTATE AGENT yg berLESEN.. ;)& insya allah to be REGISTERED ESTATE AGENT nxt year.. huhu... dan aku sgt berAZAM supaya setiap anak MELAYU memiliki sekurang-kurangnye 1 ASET iaitu rumah setidak-tidaknye apartment low cost walaupon low cost ttp tetap BERNILAI..dan tak mungkin susut nilai melainkan salah pilih lokasi...

AGENT just allowed to collect only 2%-3% from the purchaser as a deposit. then the balance of 10% tolonglah bayar melalui lawyer. kang tak pasal2 duit korg digelapkan oleh agent yang tidak bertanggungjawab. sbb kat MALAYSIA yang SERBE BOLEH dengan SEMANGAT MALAYSIA BOLEH..!! semua boleh jadi..org yg tidak berkelayakan pon boleh jd agent..itu yg kene tapis tu.. dan TOLONG LAH WAHAI RAKYAT MALAYSIA.. beli rumah bukan beli goreng pisang.. jgn laaaah tgk 1 rumah jer..dah berkenan tak boleh nk tdo..sbb aset yg anda akan beli ini adalah LIABILITI JANGKA PANJANG.. tanya org yg betul2 tahu dulu..mintak pandangan.. sebelum beli cari PENILAI HARTANAH YANG BERDAFTAR tanye MARKET VALUE dulu.. agar tidak tertipu oleh agent serba boleh/broker..

emmm..bile aku free akan ku tambah lg ape yg pembeli patot tahu..
sekian dahulu buat mase ini.. sori laaa bm mcm hampeh..nk tulih bi lg hampeh..
aku seorg yg tak suke menulis.. suke cakap jer.. hehe..
if ade nk tanye pe2..insya allah aku bole tolong jawab.. free to call me.. diana 0123226392

10 reasons.. why people buy life insurance..??

Axa's Panel Hospitals.. all KPJ hospitals yer..

Please call Data Link Helpline (603) 2296 3188 for the current panel of hospital before admission into the desired hospital.

INSTITUT JANTUNG NEGARA Jln Tun Razak 50400 (2617 8200)
CHERAS MEDICAL CENTRE Tmn Cheras Makmur, 56100 (9132 2022)

SELANGOR (03)
SUBANG JAYA MEDICAL CENTRE Jalan SS12/1A, Subang Jaya (5639 1212)
PANTAI KLANG Psr Raja Muda Musa, Klang (3372 5222)
TUN HUSSEIN ONN EYE HOSPITAL Lorong Utara B, PJ (7956 1511)
KPJ SELANGOR SPECIALIST HOSPITAL Jln Singa 20/1, Sek20, Shah Alam(5543 1111)
SALAM MEDICAL CENTRE Jalan Nelayan Sek 19 Shah Alam (5548 5161)
DAMANSARA SPECIALIST HOSPITAL Jln SS20/10 Damansara Utama (7722 2692)
KAJANG MEDICAL CENTRE Sg Chua, Kajang (7836 0631)
KAJANG PLAZA MEDICAL CENTRE Kajang Plaza (8739 7077)
KPJ KAJANG SPECIALIST HOSPITAL Jln Cheras 43000 Kajang (8769 2999)
ARUNAMARI SPECIALIST MEDICAL CENTRE Bayu Perdana, Klang 41200 (3324 3288)
KPMC PUCHONG MEDICAL CENTRE Bandar Puteri Puchong 47100 (8062 4746)
DARUL EHSAN MEDICAL CENTRE Jln Tengku Ampuan Zabedah, SS9 (5880 8868)
PUSAT RAWATAN ISLAM AZ-ZAHRAH Bandar Baru Bangi (89252525)
HOSPITAL PAKAR AN-NUR HASANAH Bandar Baru Bangi (8926 6060)
SUNWAY MEDICAL CENTRE Bandar Sunway (7491 9191)
KELANA JAYA MEDICAL CENTRE Kelana Jaya (7805 2111)
PUSAT PAKAR MATA CENTRE FOR SIGHT SS23/15 Tmn SEA (7804 4051)
ASSUNTA HOSPITAL Jalan Templer, 46990 (7680 7000)

KUALA LUMPUR (03)
AMPANG PUTERI SPECIALIST HOSPITAL Jalan Mamanda 9, Taman DatoAhmad Razali, 68000 Ampang (4270 2500)
SENTOSA MEDICAL CENTRE 36 Jalan Chemor, Kompleks Damai 50400(4043 7166)
PANTAI BANGSAR 8 Jalan Bukit Pantai,69100 (2296 0888)
KAMPUNG BARU MEDICAL CENTER 85, Jalan Raja Abdullah, 50300 (2693 1007)
GLENEAGLES INTAN MEDICAL CENTRE 282 Jalan Ampang, 50450 (42571300)
PANTAI INDAH HOSPITAL Jalan Perubatan 1, Pandan Indah, 55100 (42892828)
DAMAI SERVICE HOSPITAL 111 Jalan Ipoh, 51200 (4043 4900)
PUSAT PAKAR TAWAKAL 202A, Jalan Pahang, 53000 (4023 3599)
UNIVERSITI MALAYA SPECIALIST CENTRE Menara Timur, Pusat PerubatanUniversiti Malaya (7953 5762)
CHINESE MATERNITY HOSPITAL Jalan Pudu, 55100 (2078 2055)
TUNG SHIN HOSPITAL Jalan Pudu, 55100 (2072 1655)
HOSPITAL PUSRAWI Wisma Baitulmal, Jalan Ipoh 51200 (2687 5000)
DAMAI SERVICE HOSPITAL Taman Melawati 53100 (4043 4900)
LOURDES MEDICAL SERVICES 244 Jln Ipoh 51200 (4042 5335)

NEGERI SEMBILAN (06)
COLUMBIA ASIA Jln Haruan 2, Oakland Commercial Center, 70300 (601 1988)
SEREMBAN SPECIALIST HOSPITAL Kemayan Square 70200 (767 7800)
SENAWANG SPECIALIST HOSPITAL Lavender Business Centre, 70450(6751188)

MELAKA (06)
HOSPITAL PANTAI AYER KEROH Lebuh Ayer Keroh, 75450 (231 9999)
MAHKOTA HOSPITAL Mahkota Melaka, Jalan Merdeka (281 3333)
PUTRA SPECIALIST HOSPITAL Jln Bendahara 75100 (283 5888)

JOHOR (07)
PUTERI SPECIALIST HOSPITAL Jalan Tun Abdul Razak, Susur 5, JB (2233377)
PUSAT PAKAR KLUANG UTAMA Susur 1, Jalan Besar, 86000 Kluang (7718999)
JOHOR SPECIALIST HOSPITAL Jalan Abdul Samad, 80100 JB (225 3149)
MEDICAL SPECIALIST CENTRE Wisma Maria, Jalan Ngee Heng, 80000 JB(224 3888)
HOSPITAL PENAWAR Pusat Perniagaan Pasir Gudang (252 1800)
SOUTHERN HOSPITAL Jalan Peserai, 83000 Batu Pahat (413 3333)
HOSPITAL PANTAI Taman Koperasi Bahagia 83000 Batu Pahat (433 8811)

PAHANG (09)
KUANTAN MEDICAL CENTRE Jalan Tun Ismail 9, 25000 Kuantan (514 2828)
KUANTAN SPECIALIST HOSPITAL Jalan Alor Akar, 25250 Kuantan (567 8588)
KUANTAN CLINICAL DIAGNOSTIC CENTER Jln Dato Lim Hoe Lek, 25200(5147 227)

KELANTAN (09)
KOTA BHARU MEDICAL CENTRE Jalan Sultan Yahya Petra, 15200 KB (7433399)
HOSPITAL PAKAR PERDANA Seksyen 14, Jalan Bayam, 15200 KB (745 8000)

TERENGGANU (09)
KUALA TERENGGANU SPECIALIST HOSPITAL Jln Kamaruddin, 20400 (6222544)

SARAWAK
TIMBERLAND MEDICAL CENTRE Tmn Timberland, 93200 Kuching (082-234466)
NORMAH MEDICAL CENTRE Petra Jaya,93050 Kuching (082-440 055)
KUCHING SPECIALIST HOSPITAL Tabuan Stutong Commercial Centre 93350Kuching (082-365 777)
REJANG MEDICAL CENTRE Jalan Pedada, 96000 Sibu (082-330 733)
COLUMBIA ASIA MEDICAL CENTER Jalan Bulan Sabit, Miri (085-437 755)
MIRI CITY MEDICAL CENTRE Jalan Hokkien,98009 Miri (085-426622)
SIBU SPECIALIST MEDICAL CENTRE Brooke Drive, 96000 Sibu (084-218800)

SABAH (088)
DAMAI SPECIALIST CENTRE Loff Jln Damai 88300 KK (222 922)
SABAH MEDICAL CENTRE Lorong Bersatu, Luyang, 88300 KK (211 333)
CLINIC THOMAS Jalan Dunlop, 91007 Tawau
RAFFLESIA MEDICAL CENTRE Millenium Commercial Centre, 88200Penampang. (272 620)

PENANG (04)
PENANG ADVENTIST HOSPITAL 465 Jalan Burma, 10350 Penang (2227 200)
HOSPITAL LAM WAH EE 141 Jalan Tan Sri Teh Ewe Lim, 11600 Penang (6528888)
ISLAND HOSPITAL 308 Macalister Road, 10450 Penang (228 8222)
LOH GUAN LYE SPECIALIST CENTRE Logan Road,10400 Penang (238 8888)
BAGAN SPECIALIST CENTRE Jalan Bagan 1, 13400 Butterworth (332 2800)
BUKIT MERTAJAM SPECIALIST Jln Sungai Ramai, Bkt Mertajam (538 7577)
HOSPITAL PANTAI MUTIARA Jln Tengah, Bayan Baru, 11900 Penang (6396505)

KEDAH (04)
METRO SPECIALIST HOSPITAL Lorong Metro,08000 Sg Petani (423 8888)
KEDAH MEDICAL CENTRE Pumpong, 05250 (730 8878)
PUTRA MEDICAL CENTRE 888 Jln Sekarat, off Jalan Putra, 05100 (734 2888)

PERAK (05)
IPOH SPECIALIST CENTRE 26 Jalan Raja Dihilir,30350 Ipoh (241 8777)
PERAK CHINESE MATERNITY HOSPITAL 277 Jalan Kampar, 30250 Ipoh (2548918)
LARUT MEDICAL CENTRE Jalan Medan Taiping 2, Taiping (8067 817)
TAIPING MEDICAL CENTRE 45-49 Jalan Medan Taiping 2, 34000 Taiping(8071 049)
HOSPITAL PANTAI PUTRI IPOH 126 Jalan Tambun,31400 Ipoh (548 4333)

http://www.axa.com.my/AXA%20Panel%20hospital-1%20Feb%202009%20(with%20tel).pdf

New..!! Only rm200yearly for whole family.!! Personal Accident AXA Affin

New SC Prime Benefit & Feature
Price & Plan

Free cover:
Motorcycling, Murder and assault(unprovoked), Disappearance, Drowning, Suffocation through smoke, fumes or poisonous gas, Poisonous insect or snake bite, Exposure to weather elements, Food and drinks poisoning, Amateur sports, Racing on foot, Hunting on foot, Mountaineering(not involving the use of ropes or guides), Strike, riot and civil commotion, Hijacking, Intoxication and Terrorism(excluding the use of biological and chemical substances).
+
Snatch theft.
+
Bereavement expenses for Death due to Dengue Fever, Malaria, JE, and Influenza A (H1N1)

Death occurring on Public Conveyance
In the event that Accidental Death occurring whilst an Insured Person is on a Public Conveyance the amount payable is 150% of the amount stated in the Schedule for Plan 2 and 200% of the amount stated in the Schedule for Plan 3

Prostheses
SmartCare prime will pay for the necessary cost of purchasing wheelchair, artificial arm or leg and crutches

Local Ambulance Fees
SmartCare Prime will pay the ambulance cost to bring the insured to the hospital following accident

Personal Liability
SmartCare Prime will cover your liabilities, should you be liable to pay a third party for accidental bodily injury or accidental property damage

Chinese Medication Expenses
For a treatment by a registered Chinese herbalist/bonesetter, you will also be paid up to RM 400 for every accident on top of medical expenses.

Daily Hospitalization allowances
A daily cash allowances is paid for each day (up to 100 days) that you are hospitalized - in addition to the medical bills.

Repatriation Expenses
In the event of death due to accident while overseas, SmartCare Prime pays for repatriation expenses.


Product Comparison (New vs Old)
Price & Plan

sudah memiliki insuran hayat??

Bagus..kerana anda perhatin..
dan
Bagus..dari tidak memiliki nya.

huh.. tapi..

*Pernah kah anda membuka, membaca dan memahami apa yang terkandung di dalam polisi insurance anda??
*Pernah kah anda lihat.. berapa kah jumlah yang coverage diri anda? jumlah kematian? jumlah kecacatan kekal..? jumlah bayaran bilik hospital sehari?
*Pernah kah anda terfikir cukupkah jumlah tersebut?
*Pernah kah anda terfikir berbaloikah apa yang anda bayar?

atau adakah anda langsung tak tahu apa2?

if tak tahu apa-apa.. BERTANYA LAH.. RUGI if tak tanya..
dan BERTANYA LAH dengan org yg benar2 tahu ttg insurance..

Axa Medical Card English Version

AXA Medical Card..Reasonable Price.. Yearly.. not Monthly yer...

Example No. 1.
Men, Age 30 years old
Yearly RM593 (RM49.41 monthly only)

Example No. 2.
Child-Girl, Age 1 years old
Yearly RM443 (RM36.92 monthly only)
just compare with others insurance..!! u cant get this price..

Afford to stay at KPJ Hospitals in Malaysia (Ampang Puteri, Gleneagles & etc)
for RM350 daily (room & Board - Catagory Single Bed) +++ Refer other benefits...

MEDICAL CARD (CASHLESS)

CONTOH Room Rates
Gleneagles Intan Medical Center
Room charges are subject to 5% Government Service Tax. Meals provided are complimentary and halal.

Type of Room Cost per day (RM)
Presidential Suite 3,800
Executive Suite 1,600
Deluxe Suite 980
Junior Suite 800
Suite 600
Executive Single 330
Single Room 230
Two-Bedded Room 140
Four-Bedded Room 80
Intensive / Coronary / Neonatal Care Units (ICU/CCU/NICU) 450

refer this.. kalau ragu2..
http://www.gimc.com.my/main.php?Content=vertsections&SubVertSectionID=21&VertSectionID=4&CurLocation=4&IID=

dan AMPANG PUTERI room rates..
Single Room *Rate Per Day (RM)
Vip Suite 580.00
Executive Deluxe 330.00
Deluxe Private 280.00
Single / Standard 230.00
Semi Private / Twin 160.00
4 / 5 Bedded 90.00
ICU 380.00
Incubator 100.00
Nursery 60.00


Peadiatric Ward (Mother & Child) *Rate Per Day (RM) Vip Suite 680.00
Deluxe Private 380.00
Single / Standard 290.00
Semi Private / Twin 250.00 3 Bedded 210.00
4 Bedded 180.00

ampang puteri refer this..
http://www.apsh.kpjhealth.com.my/index.php?option=com_content&task=view&id=97&Itemid=119

Axa Medical Card..Version BM..Murah&Berbaloi..

Starting... To Introduce My Works..

A bit blurrrr.. shoooot from news paper..
Ayat yang sangat bermakna..Hayati n cuba fahami..
tak paham..aku bole explain n give an advices..hhe..sekire nye mahu..


U have to read this book..
bnyk kate2 nasihat..
salah satu yg sgt menyentuh otak ku ialah..
"kebanyakan org tergila-gila/mengejar peralatan2 @ GAJET2 teknologi terKINI, barang2 berJENAMA atau kata lainnya..barang2 YANG AKAN SUSUT NILAI NYA PADA MASA AKAN DATANG.." petikan kate2 nye lebih BERMAKSUD..jgn MEMBAZIR BENDA2 TAK BERFAEDAH.. BELI PROPERTY..BOLE GENERATE INCOME.. (nk tahu bole tanye aku jugak..!!)

cONTOH (Pengalaman aKu)... :- Flat 1st Floor, Sec 8, Shah Alam, Purchase Price RM68,000, Market Value RM75,000, 90% loan dr rm75,000(kene pandai how to do this) adalah rm67,500(soo..bole kuarkan deposit only rm500++S&P fees jer..) at my age 27years old..monthly bayar loan kt bank rm340 je..tp sewa bole cecah rm550.. soo..perbezaah tu adalah..keUNTUNGAN kite.. kite darab dgn 12bulan.. kumpul lg..cari lg rumah.. dan aim aku adalah to get my own shop-OFFICE...(kenape..bangsa asing bole..tp kite org MELAYU tak bole??)..kite bole kalau kite berUSAHA..pesaing/peDENGKI kite adalah pencabar kite.. hehe.. (opinion aku..)


mE next 3 years...


tgh dah study this BOOK..
benda yg sgt penting DALAM HIDUP ADALAH PROTECTION...
IF ANYTHING HAPPEN TO US..kalau mati tak pe..kite tak tersekse & MENDERITA..
tp KALAU HIDUP..kite akan menyusahkan SEMUA ORANG DI SEKELILING KITE..;)

em.. don't know how to start actually..
i hate writting..
i am fail in writting tak kire laaa bm or english..
really interested in figure, picture n draft only.. hehe..
soo... layan.. kay..

Digital Clock

Get your own Digital Clock

me??

21 to 27.02.2009..Bukit Tinggi, Indonesia.




2006..Egypt



xx.05.2008.. Finally.. After Try an Error.. work..study..wife..

without my abah.. n my hubby @egypt tht time..

27.02.2007.. Al-Fatihah for my abah..


31.08.2005... Between hard times works n study.. I choose to...

FOREVER LOVE Insya-Allah..Amin..

2004-2007...missed the world of property valuer..

...hehe..aka operator for banker..
n the very bz world of being PLK student Estate Management.. haha..

2000-2003.. Dip Estate Management.. Photo.?? Tengah dok cari lagi..

1999..after SPM??

...Hillcrest..zaman2 sangat baik dolu2 kala..hehe..