Not Enough Rest Makes us Nasty..

Rest.. this word is always liked to sleeping, lying down & sitting down... or even taking a breath after an exercise... so what makes it important ? well it is so important because we simply cant get away from it... its a must to all living thing to have a rest... so what happen we do not get enought sleep for once...

well the answer is that we will surely be very nasty & angry.. not having enough sleep can pull our trigger early then expected.. this is because when we do not have that energy we wont bother to take things around us seriously or even care about it.. so my advice is whenever we want to do something make sure that we have enough rest..

to read more please visit www.alneejm.com/blog

Exams...What makes you ticks...

Examination time......

for all students its like mix feelings for them because its difficult to say whether they are happy or in misery to attend their exam this is because when they are in the exam week its.. near end of the semester and holiday is coming, so happiness is just around the corner... but when they think back during exam its mind crunching time because its time they are evaluated...

so what makes student ticks during exams.. well its the overwhelming feeling that they must score or else and thats it! it effects their pointer and it effects if they are qualified for a diploma, degree or even masters... now a days there are many kinds of medium for student to actually do great in exam, its because of the innovation of education system and also the information technology it self.. the question is why students are still ticking ??

well few tips for those who going to be a fighting the exam WAR..

1. most student always study last minute, trust me i was one of them.. try study after class and make revision after certain class so when its time to revise its easy to understand previous studies.

2. always bare in mind that you only can study well in the 1st 30 minute.. so whenever our mind is clear reserve 30 minute to for a bit of revision reading..

3. if you a moody student, whom always study when you have the mood. Then try to do some research when you have the mood?... and from there on plot a you timing...

4. lastly, always relax and keep a positive mind.. my saying in " if you can study and you tired, rest and take your time".. no use forcing something that you know will not do you any good.

to read more please visit www.alneejm.com/blog

15.11.2010 Finalize My housing loan.

Have you guys bought your first house already?

well i think most people who has already in my age could of already bought a house... but do we really know about the real value of our house and the real condition of our housing loan....

yes of course all of us wants a reasonable house price and the lowest housing loan interest in town.. however are we actually going to get that? now i just finalize my housing loan and bought an apartment nearby where i stay now.. the price is RM 154575.00 and due to the banks requirement i will have to pay 10% out of the house price which means RM 15575.00 in total i will only get 90% financing on my house.

getting the loan was so troublesome.. i went to three (3) local banks and one (1) international bank..so how was my approval ? i thought i will get the lowest interest in town but yet.. in act of desperateness i had to choose the better offer from banks rather than follow my demands its because all of these banks will not give me my rate and they have really strict approval guidelines..

so lets have a look at what i was offer:
bare in mind the BLR rate is 6.4%

HSBC offer me 80% financing with -2.2% BLR
Public Bank offer me 85% financing with -2.0 BLR with guarantor
Maybank offer me 90% financing with with -1.6% BLR with RM 8k of fixed deposits.
Bank Islam rejected me upon application.

you see if i take HSBC and Public Bank i would need RM 30-40 k of cash to pay my 10% deposit.If i take maybank i would need RM 23K for my 10% deposit and RM 8k of FD.

In the end i had a good relationship with Maybank they waived me the 8K FD and at last i choose them.

to read more please visit www.alneejm.com/blog

Starting My Way to Financial Freedom

I have just started my way to financial freedom, knowing that i cant just work for the rest of my life and earn just enough to cover my financial burden, i am starting to make myself financially free...

to read more at www.alneejm.com