Bagaimana Menggunakan Twitter

Video yang menerangkan bagaimana menggunakan laman "Social Networking" Twitter.

Demo Silat Sendeng

Fuh video ni memang mengimbau kenangan dulu-dulu..

iPhone 4 - Mengancam

iPhone 4 dah dikeluarkan secara rasminya. Fungsi yang terdapat pada iPhone edisi ke-4 adalah yang paling canggih dan memang mengujakan. Aku pun rasa nak pakai juga la iPhone ni. Nak tahu fungsi iPhone 4 dengan lanjut boleh tengok video pelancaran iPhone 4 di bawah.

Hari Ulang Tahun Yang Pertama

Hari ini adalah 06/06/2010 yang merupakan ulang tahun pertama perkahwinan aku. Tapi aku takdelah meraikan dengan sesuatu yang istimewa. Cuma belanja bini aku makan nasi beriayani kat Restoran Insaf Jalan Tunku Abdul Rahman.Lepas tu cuna balik rumah dan tidur sekejap sebelum nak keluar balik pergi Tesco Ampang untuk cari barang-barang apa yang patut. Itu aje la yang aku nak tulis kali ni..:)

Twitter in Plain English

Video penerangan Twitter dalam bahasa inggeris yang mudah.

Return on Investment: Calculating gross yield

How do property investors know which property to purchase? One of the assessment methods used regularly is termed as Return on Investment (ROI). It is not the only method that investors use to calculate returns; however, it is the most widely used. 

ROI, also known as Yield, is calculated to determine the feasibility of a property investment. It is designed to assist the investor to answer, ‘Is this investment worth it?’, ‘What will I get back in return?’ and ‘Which investment options are more attractive?’  

It indicates cash flow of an investment over a specific period of time, usually a year. Therefore, the higher the percentage of ROI/Yield, the better rated the property investment opportunity is.  As with any investment, before you put your time, energy, effort and money into it, you must have an indication of the kind of returns, including an indication of when it is expected. In this article, “Yield” indicates an annual rate of return, unless otherwise noted. 

Note: Investment property refers to a property purchased for the sole purpose of earning a return on the investment, either in the form of rent or capital gain. The owner does not live in the property.

How to calculate yield?

In its simplest form, the profit of an investment is divided by the cost of the investment (Yield is usually shown in percentage). Often, it is best to determine each investment over the course of a year to find out the yearly Yield.

Gross yield

For example:

Investment property     RM500,000

Renovations                 RM80,000

Rental                          RM3,000 per month / RM36,000 per year

Gross Yield = Annual Rent / Total Cost of Investment

RM36,000 / RM580,000 = 0.062 = 6.2%

However, to arrive at a more accurate Yield (actual returns), you must deduct other costs such as Maintenance Charges, Sinking Fund, Management Fees, Insurance, Quit Rent, Assessment, Estate Agent and Legal Fees (where relevant) and other expenses.

Calculating the Yield for each property investment will aid in comparing, shortlisting and selecting investments that bring the best returns to you.  However, at present we base our returns on the yearly rental and not the ultimate returns you will get when you sell the property.  Yield and expected Capital Appreciation must be considered together, in order to make better decisions on the investment option.  Some properties might be lower on yearly Yields but over a shorter period of time, it can double in property value.

The preferred Yield percentage

As a general rule of thumb, seasoned investors would go for a property investment which has a nett yield that is twice the fixed deposit rates, which in this case would have to touch no less than 5%. 

How can this be achieved?  There are only two ways, as per the formula – either rental can improve or reduction in purchase price.  For example, if the seller is willing to consider RM450,000 and a more reflective rental is RM4,000 per month.  The gross yield now hits 9.1%.

Source: http://starproperty.my/PropertyGuide/Finance/3260/0/0

P/s: Baru aku tau lepas baca ni

Teka-Teki Imam Al-Ghazali

Suatu hari, Imam Al-Ghazali berkumpul dengan murid-muridnya lalu beliau bertanya (teka-teki);

Imam Ghazali = “Apakah yang paling dekat dengan kita di dunia ini?”

Murid 1 = “Orang tua”

Murid 2 = “Guru”

Murid 3 = “Teman”

Murid 4 = “Kaum kerabat”

Imam Ghazali = “semua jawapan itu benar, tetapi yang paling dekat dengan kta ialah MATI. Sebab itu janji Allah S.W.T bahawa setiap yang bernyawa pasti akan mati” (Surah Ali-Imran :185)

Imam Ghazali = “Apakah yang paling jauh dari kita di dunia ini?”

Murid 1 = “China”

Murid 2 = “Bulan”

Murid 3 = “Bintang”

Murid 4 = “Matahari”

Imam Ghazali = “semua jawapan itu benar, tetapi yang paling benar adalah MASA LALU. Oleh sebab itu kita harus menjaga hari ini, hari esok dan hari2 yang akan datang dengan perbuatan yang sesuai dengan ajaran Agama”

Imam Ghazali = “Apakah yang paling besar didunia ini?”

Murid 1 = “Gunung”

Murid 2 = “Matahari”

Murid 3 = “Bumi”

Imam Ghazali = “semua jawapan itu benar, tetapi yang paling besar sekali adalah HAWA NAFSU (Surah Al-A’raf:179). Maka kita harus hati-hati dengan nafsu kita, jangan sampai nafsu kita membawa ke neraka”

Imam Ghazali = “Apakah yang paling berat didunia?”

Murid 1 = “Baja”

Murid 2 = “Besi”

Murid 3 = “Gajah”

Imam Ghazali = “semua jawapan itu benar, tetapi yang paling berat sekali adalah MEMEGANG AMANAH (Surah al-Azab:72. Tumbuh-tumbuhan, binatang, gunung, dan malaikat semua tidak mampu ketika Allah S.W.T meminta mereka menjadi khalifah (pemimpin) di dunia ini. Tetapi manusia dengan sombongnya berebut-rebut menyanggupi permintaan Allah S.W.T sehingga banyak manusia masuk ke neraka kerana gagal memegang amanah”

Imam Ghazali = “Apakah yang paling ringan di dunia ini?”

Murid 1 = “Kapas”

Murid 2 = “Angin”

Murid 3 = “Debu”

Murid 4 = “Daun-daun”

Imam Ghazali = “semua jawapan itu benar, tetapi yang paling ringan sekali di dunia ini adalah MENINGGALKAN SOLAT. Gara-gara pekerjaan kita atau urusan dunia, kita tinggalkan solat”

Imam Ghazali = “Apakah yang paling tajam sekali di dunia ini?”

Murid-murid dengan serentak menjawab = “Mata pedang!!!”

Imam Ghazali = “semua jawapan itu benar, tetapi yang paling tajam sekali didunia ini adalah LIDAH MANUSIA. Kerana melalui lidah, manusia dengan mudahnya menyakiti hati dan melukai perasaan saudaranya sendiri”.