Receive my Itinerary on 1/1/2012

Wah. Finally I received my travel itinerary to Japan… Hopefully can make it this year… Next, need to go to Embassy of Japan at Penang.

 

 

 

So many courses??? zzzZzzzz

 

Sometimes, to choose the most suitable course might be a little bit headache! So my criteria is “part time” mode…Since, I can’t make it as FULL TIME mode.  So, the nearest university around here is USM… mmm… They’re offered Research, Coursework, Mixed mode and Doctorate degree.

The most suitable programme is research mode….

 

 

So, I found this info. Sometimes, to many courses/programs make a little bit hard to make a decision…. Hahah…

 

Master of Science - Electrical and Electronic Engineering and Doctor of Philosophy

Communication – [No info, ???]

• RF Systems and Electromagnetic Compatibility (EMC) 
• Wireless and Mobile Systems
• Antenna and Propagation
• Microwaves and Satellite Systems

Computer Engineering –[Macam menarik]

• Imaging
• Digital Signal Processing
• Distributed Computing
• Software Engineering

Control and Automation – [x involve the control & automation]

• Robotics
• Sensors and Instrumentation
• Computational Intelligence
• Industrial Automation and Control

Microelectronics –[Wanted]

• Advanced Digital Systems
• Integrated Circuit Design
• Device Modeling and Characterisation
• Microelectromechanical Systems (MEMS)
• Analog and Digital IC Design

Power Systems and Electrical Machine –[Probably good for Electrical Power student"]

• Power Electronics and Devices
• Power Systems and Energy Conversion
• Electrical Machine and Drives
• Power Quality and Management

Expertise available in the following School:
School of Electrical & Electronic Engineering
www.ee.eng.usm.my

Admission Requirements
Applicants should possess one of the following:

MSc

• A Bachelor’s degree with Honours in Electrical and Electronic Engineering or equivalent.

PhD

• A Master’s or Bachelor’s (First Class Honours / CGPA >3.67) degree in related areas

Duration

MSc

• Full-time: Min 2 semesters / Max 6 semesters – [Can’t make it]
• Part-time: Min 4 semesters / Max 12 semesters – [Yes]

PhD

• Full-time: Min 4 semesters / Max 10 semesters –[Can’t make it]
• Part-time: Min 6 semesters / Max 15 semesters –[???]

---

1st

So, based on above list;

Computer Engineering –[Macam menarik]

• Imaging – [Yes]
• Digital Signal Processing – [Mmm, out… haha]
• Distributed Computing – [Yes]
• Software Engineering – [Yes]

Microelectronics –[Wanted]

• Advanced Digital Systems  - [Yes]
• Integrated Circuit Design  - [IC design???]
• Device Modeling and Characterisation – [Simulation???, software based??? huh]
• Microelectromechanical Systems (MEMS) – [what’s up with microelectromechanical thing! Out!]
• Analog and Digital IC Design –[Not in design area! Out]

---

2nd – Let make it clear…

So, based on above list;

Computer Engineering –[Macam menarik]

• Imaging – [Yes] ---> [No]
• Distributed Computing – [Yes] ---> [No] 
• Software Engineering – [Yes] --->[No]

Microelectronics –[Wanted]

• Advanced Digital Systems - [Yes]
• Device Modeling and Characterisation – [Simulation???, software based??? huh] ---> [No]

So, conclusion Advanced Digital Systems (aka Embedded Systems). The estimate cost for 4 semesters ( 2years). Ideally 4 semesters for part time and up to 12 semesters… and the amount fully paid by company… haha… Hopefully I can make it… Even 2012 is coming and lot more things to do…

 

 

Or, if estimate cost for PHD (6 semester – 3 years, Ideally) around;

 

 

So, for those still uncertain about this. Let register together… Hahah…

 

--->

Say good bye to 2011… Lets face the future…

 

It’s about 5 days left to enter 2012… We should believe it, the time is always keep running and you’ll be left behind if you still “STANDING STILL” just planning something, tell something… but your action remains the same… Nothing change in your life if you’re not change you life too…

 

How do you value yourself? If you’re students, how you’re value yourself? If you’re workers, how you’re reward yourself? Sometimes, we might not notice this thing happened around you. Student who’re suppose to STUDY, think sometimes NEW, INOVATE something for the future, is just out of track! They’re doing something that NOT value for the PUBLIC! whereas for the WORKER they’re suppose to be GOOD in which area they’re suppose to BE! But everything OUT of TRACK! They forgot something… If we’re able to remind what we’ve said during our PRIMARY school…. When TEACHER asked US, what do you want to be? Some said, I would like to serve the public and give the best for the country… but thing changed! Life is short! …Just take one thing in your life and be good in that…

 

 

>>>Have a nice day and be someONE!<<<

Keuntungan Pelaburan Amanah Hartanah Bumiputera (AHB)

So, hari nie just nak kongsi nilai pulangan untuk pelaburan AHB… Tak silap projek under AHB nie… ada bersebelahan dengan KL Sentral…. Yang pasti bukan Hilton hotel tu la.. Hahah…

So, nilai keuntungan pelaburan nie tak menentu la… Sebab mana2 pelaburan tidak boleh ditentukan keuntungannye… Jika tidak hukumnya HARAM… Sama ada untung atau rugi….<Rajin2 la dengar tentang Muamalat dalam Islam di radio Ikim.fm> Semua tu kene tanggung risiko… Sama juga dengan pelaburan AHB nie…

 

Dalam pelaburan nie…. Bukan perlu kira untung yang dapat… tetapi berapa kerugian yang sanggup ditanggung… Hahah.. Just my 2 cents.!

 

So, nie boleh kata prestasi AHB nie la… pada tahun nie.. Aku pun mula join nie bila diorang wat penawaran… Sebab time tu size dana kecil saja… Sekarang dah ok kot… So, saper2 berminat boleh la pergi ke Maybank berdekatan… Lagi satu… Jumlah keuntungan dia tidak COMPOUND.. Maksudnya, tak akan diTOPUP ke nilai yang anda masuk…Apa pun ikut pilihan sendiri la…

Bestnyer tentang bende nie…. Diorang bagi baucar cukai… So, dapat la kurangkan cukai pendapatan… Hahah…

Klik sini untuk post mengenai AHB sebelum nie

 

Nie yang terbaru la juga… Bayaran dia buat dua kali.. Kira setiap 6 bulan la… So untuk penggal terakhir = 3.25%

 

Nie penggal pertama = 2.17%

 

 

So, total = 5.42%…. Jika diikutkan nie memang x banyak sangat…. So far, ok la…

Unpaid Site Visit

Wah… Today just been at “Taman Kulim Utama” to see the  development progress…as mentioned by the developer the development will be completed in Mid year 2012… Let’s pray for it… Huhu….. Let’s see the progress….

 

Here the house… Just a Semi-D type…

 

Some free space… Not my lot

Yeah… Here my lot area… Around 80% complete… Road still in progress…

Here exactly my house soon…This land elevation a little bit high here… haah

 

Free space…

 

“Belakang rumah”… no road here…

 

“Belakang rumah” lagi

 

Side… Extra door here…

 

Master room…

 

Another toilet…

 

Kitchen… Still waiting for CABINET….

 

Living room…

How you HOLIDAY??? Awal Muharam? Maal Hijrah??? 1433H

Asssalamualaikum. Just return to Kulim recently. Since, holiday from Saturday till this Wednesday…. Holiday also stay at home… Not go anywhere… Heheh… Actually, I most wanted by my colleagues. Since, they can sense me whenever place I go… Before that, I went to Hong Kong… Surprisely, in the same flight, met my supplier. Then on return flight, met another INTELiar there… What on earth this globe so small… My colleagues all friendly… haha… So, for those who travel, they want to see all you travel PHOTOS…. Cool… Haha…

 

During this holiday also, my manager came closed to me, and said “Husni, confirm you not go anywhere??” haha… what a FREAKING question to me… haha… Next, year need to apply VISA.. for sure wanted again… Hoho… Never mind…

 

Then, this holiday also SNAP a MUQRI’s photo… After KENE PAKSA from my sister to take photo…

 

 

How about you NEW YEAR??? It’s just come across my mind.. Don’t motivate yourself, inspire yourself.. Why like that? When we say something to MOTIVATE you.. Motivate is something IN RETURN… Externally… Probably MATERIALISTIC and so on… whereas for INSPIRE… it in your INNER part… Drive yourself toward it…

 

So, that all for today… Have a nice day…

Alhamdulillah : House settled

 

Praise to Allah… Just completed all the documents.  It’s nearly 2 months to complete all the required documents…

Firstly, for the new house buyer here the tips you may use if you plan to buy a House… It’s a little bit headache for me to buy this house….

1. Find out the correct developer and compare with other developers. Make sure you get the lower price. I got house with 35x80 with such a promising price
2. Then, look for any finance institutions based on you need.  Check all the interest rates and any other benefits the institution will be provided soon.
3. Next, pay the booking deposit. It’s vary from each developer. Some developer charge you up to THOUSAND ringgit. A project under SPNB charge you RM250 only. 

 

Here we go. On September 15, 2011 I went to SHOW ROOM to see any competitive price will be provided by the developer. Since, I preferred to stay around <10km to my workplace .   So, I prepared all the required documents (3 months Pay slips, EPF, IC, Employment status). That all! Since, I asked the agent to find out the “BANK” for me. So, he sent all my details to “BANK BSN”, “BANK MUAMALAT”, “BANK CIMB”, BANK AWAM lol PUBLIC BANK”, and “MAYBANK”…. So, on subsequence week, I received a lot of calls seem like operator. THEY’ll call to explain the product offered from their bank. So for conclusion, MAYBANK is chose. Because

 

1. BANK BSN  - Sound promising. Zero Moving Cost.  Cover all the costs inclusive legal fee, insurance. So, margin amount they offered around 85%. Need to top up another 15% to my loan. In contrast, the interest rate quite high due to Zero Moving Cost.
2. BANK MUAMALAT – They failed to PERSUADE me… ahah… Actually, I received call one week later after acceptance letter offer from Maybank.
3. BANK CIMB – Not meet my requirements.
4. PUBLIC BANK – They try… but failed. Also give me 85% margin… haha…

 

The winner goes to MAYBANK… .since they provide 90% margin and fast processing. Around 1 week to receive loan agreement. Loan details

Loan type : Home Equity-i (Not i-Home Equity, later Apple sue Maybank… )

Why : Coz, this loan based on Musharakah Mutanaqisah partnership. So, bank owns certain % in this property, and will be decreased over the time.

So, for your info in Islamic financing; There are 3 types

1. Murabaha/ Bai’ Bithaman Ajil (BBA) – Bank buy house from developer and sell back to you. This call “AKAD” so you agree with the amount will be borne to you… You may find out this type of financing in CAR loan.
2. Istisna – bank will continuously pay to developer until the project complete. Local bank still not provided this thing. International bank like Kuwait Finance House offers this. Check it out!
3. Musharakah Mutanaqisah – partnership. Bank xx%, you xx%.

 

So, make yourself comfortable with all those things…