Friday, January 30, 2009

Mari Ketawa ... untuk hilangkan tension

CIUM ISTERI
Pada suatu pagi, bertanya si isteri pada si suami:
Isteri : Abang tengok jiran kita yg baru pindah tu?
Suami : Kenapa?
Isteri : Tiap pagi sebelum pergi kerja, suami dia akan cium isterinya. Bila pulang kerja, dia akan
berikan isterinya sekuntum bunga mawar. Loving betullah mereka. Kenapa abang tak buat macam tu?
Suami : Nak mampus... Mana abang kenal isteri dia?

BUNUH SETAN
Suatu petang selepas pulang dari kuliah agama di surau si isteri menceritakan apa yang didengarnya dalam kuliah tersebut kepada suaminya.

"Abang, abang nak tau tak, ustaz kata bila suami dan isteri itu bersatu (bersetubuh) kan bang, dengan cara yang betul dan menjaga syarat yang betul maka pasangan tersebut akan mendapat pahala sama seperti membunuh 10 ekor atau beberapa ekor syaitan'.

Kata si suami 'yer kerr?' Tak apa malam ni malam Jumaat, masa yang sesuai untuk bunuh syaitan kan , betul tak sayanggg? sambil senyum ketawa... Isteri hanya tersenyum panjang.

Selang dua hari kemudian, si isteri berkata: 'Banggg, jom kita bunuh syaitan... bang'. Si suami tersenyum panjang.

Selang dua hari kemudian, si isteri berkata: 'Banggg, jom kita bunuh syaitan... bang'. Si suami menjawab : 'takpe...tunggulah malam'.

Esoknya si isteri berkata lagi : 'Banggg, jom kita bunuh syaitan...bang' ... Si suami diam sambil mengangguk lemah.

Esoknya si isteri berkata 'Banggg, jom kita bunuh syaitan... '. Si suami tiba-tiba naik marah dan berkata ... 'Ayang nie nak bunuh syaitan ke atau nak bunuh abang'


PAK PANDIR
Nak dijadikan cerita, suatu hari pak pandir melalui satu lorong yang kecik semasa hendak pulang ke rumahnye. Entah macamana, di tengah perjalanannye tadi dia terjumpe seketul taik yang masih panas. Tapi dia masih konpius sama ada betul ke bende yang dia jumpe tu seketul taik.Oleh kerana kemusykilan yang teramat sangat tu, pak pandir ambil keputusan untuk mengkaji sampel najis berkenaan.

Pak pandir tengok ngan lebih dekat taik tersebut, lalu dia berkata, 'Bentuk macam taik...' Lepas tu dia pegang pulak taik tu, lalu dia berkata, 'Lembik...macam taik..' Lepas tu dia ambik sikit taik tu lalu dia hidu taik tu, lepas tu dia berkata, 'Bau macam taik.'

Oleh kerana pak pandir ni masih ragu-ragu dengan taik tu lalu dia pun mengambil keptusan untuk menjilat sedikit taik tersebut. Sebaik sahaja dia menjilat taik berkenaan dia pun menjerit...
'MEMANG TAIK! NASIB BAIK AKU TAK TERPIJAK!!!'

KEK HARI JADI
Seorang lelaki telah pergi ke sebuah kedai kek untuk memesan sebiji kek sempena hari jadi isterinya. 'Apa yang hendak ditulis pada kek ulang tahun ini,encik?' tanya si gadis manis yang bertugas di kaunter kepada lelaki itu.

'Mmmm, tulis saja 'Sayang tidak bertambah tua' di bahagian atas, kemudian sambung dengan 'Sayang cuma bertambah cantik' di bahagian bawah, kata lelaki itu.

Esoknya, lelaki itu datang mengambil kek yang ditempahnya itu dan terus membawa pulang ke rumah untuk dipersembahkan kepada isterinya yang tersayang di hadapan tetamu-tetamu yang lain.

Dan ketika kek itu dibuka di depan isteri dan tetamu undangan yang lain, lelaki itu setengah pengsan ketika membaca tulisan yang tertera di kek itu:

'SAYANG TIDAK BERTAMBAH TUA DI BAHAGIAN ATAS.
SAYANG CUMA BERTAMBAH CANTIK DI BAHAGIAN BAWAH.


Wednesday, January 28, 2009

201KM (02) - Lecture replacements due to Public Hols

FYI there'll b 3 Mondays consecutively that we r x going to meet due to Public Holidays - 26/1 (CNY1), 2/2 (replc of FT Day), and 9/2 (replc of Thaipusam).

Not to lag behind in our lectures, I've decided to replace our Monday's 201KM (section 02 only) class meetings (1030 hrs at LT3.4) to Wednesdays of the affected week (at 1400 hrs at LT3.6).

To summarize, the replacements r as follows: 26/1 (Mon) replc by 28/1 (Wed), 2/2 replc by 4/2 (Wed), and 9/2 replc by 11/2 (Wed). After these dates, all systems will b back to normal ! ;)

Pls pass this info to ur 201KM friends (section 02 ONLY !). Sections 01 and 10 r x affected by this arrangement ... TQVM.

346IS (01) - Lecture replacements due to Public Hols

This Jan-Feb there'll b 3 Mondays consecutively that we r x going to meet due to Public Holidays - 26/1 (CNY1), 2/2 (replc of FT Day), and 9/2 (replc of Thaipusam).

Not to lag behind in our lectures, I've decided to replace the 346IS lectures that fall on these Mondays (0830-1030 hrs at LR4.7) to Thursdays of the affected week (ie. during our tutorial slots 0930-1130 hrs at LR4.3).

To summarize, the lecture replacements r as follows: 26/1 (Mon) replc by 29/1 (Thu), 2/2 replc by 5/2 (Thu), and 9/2 replc by 12/2 (Thu). After these dates, all systems will b back to normal ! ;)

Pls pass this info to ur friends ... TQVM.

Thursday, January 22, 2009

Apa itu POLITIK ?

This I received thru e-mail from a colleague. Done a bit of minor editing here and there supaya jadi lebih spicy. Baca lah sampai abis ... huhu ;)

Sebuah keluarga dari golongan pertengahan, di mana suami dan isteri bekerja. Mereka mempunyai dua orang anak. Seorang lelaki berusia 9 tahun dan seorang perempuan berusia setahun. Segala urusan rumah dikendalikan oleh seorang pembantu rumah Indonesia (bibik).

Pada suatu malam, ketika sedang makan malam sekeluarga, si anak sulung yang berusia 9 tahun itu bertanya pada si Ayah, "Ayah, apa itu politik?"

Tersedak si ayah mendengar persoalan anaknya itu.

Jawab Ayah, "Politik itu macam keluarga kita. Ayah dapatkan wang untuk keluarga kita, Ayah adalah kapitalis, Mama gunakan wang itu untuk menguruskan keluarga kita, jadi Mama adalah kerajaan. Bibik kita adalah golongan pekerja. Kamu adalah rakyat dan adik kamu adalah generasi masa depan. Faham?"

Kelipok-kelipok mata si anak kejam celik. Memang tidak faham. Lantas si ibu mencelah, "Tak apa, malam ini waktu hendak tidur, kamu fikirkan apa yang ayah cakap dan cuba faham okay."

Jadi semalaman si anak berusia 9 tahun itu tidak dapat lelapkan matanya berfikir tentang politik. Sehingga akhir sekali dia menjadi jemu dan hampir terlelap. Pada waktu itulah, si adik buat perangai. Meraung tengah-tengah malam pulak.

Si anak itu pergi ke bilik ibu dan ayahnya untuk memberitahu bahawa adiknya itu sedang meraung kerana pampersnya sudah penuh najis. Sampai di bilik dia lihat si ibu sedang lena tidur. Walau berkali-kali dipanggil, si ibu tetap tidur.

Dilihat si ayah pula tiada di sebelah ibu. Jemu mengejutkan ibu yang tak bangun-bangun, dia mengambil keputusan ke bilik pembantu rumah. Bila dibuka bilik pembantu rumah, dilihat nya si ayah sedang khusyuk 'bermain' dengan si pembantu Indonesia itu.

Akhir sekali si anak terpaksalah menyalin pampers adiknya sendiri.

Sewaktu bersarapan esok pagi, si Ayah bertanya, "Dah faham apa itu politik?"

Si anak yang sedang berselera makan selamba jer menjawab, "Dah!". Si ayah dan ibu terkejut dengan jawapan selamba itu. Lantas si ibu mencelah, "jadi apa dia politik tu?"

Si anak tanpa mengangkat muka melihat ayah dan ibunya, dengan tenang jer menjawab...

"Ketika kerajaan sedang asyik tidur, golongan kapitalis menodai golongan pekerja dengan rakusnya. Akibatnya rakyat diabaikan, dan golongan masa depan bergelumang dengan tahi ! Itulah politik".

Kuang kuang kuang !!!

346IS - Topics for Case Studies

The following r topics ur gp can choose from:

1. Cyber-court in Malaysia : do we really need it?

2. Computer Games : are they a waste of time and money?

3. The Online Social Network : more bad than good?

4. Radio Frequency Identification – pros and cons

5. Mobile tracking: boon or bane to the device owner?

6. Intellectual Property Rights and the Internet

7. The Data Storage Boom

8. Green Electronics : Not green enough?

9. CCTV Systems and Personal Liberty

10. Internet addiction: should we be concerned?

11. Desktops soon to be history

12. Credit cards versus debit cards

13. Proprietorship : boon or bane to the ICT industry?

14. The Malaysian government WiFi and WiMAX projects: how safe is safe?

15. Windows XP versus UBUNTU: A case study

16. Open source softwares : Are they really free?

17. Outsourcing : A local scenario

18. “Keep the number, switch the telco” : who actually wins?



Wednesday, January 21, 2009

346IS-SELECTION OF TOPICS FOR GROUP PRESENTATIONS

Dear 346IS students,


I've posted up at my office door, a list of 18 presentation topics (case studies) for u to choose from. What u need to do now is to identify a partner from ur same section to create a gp of 2 people. Jot down on the said listing, ur name and ur partner's name, for the topic of ur choice.


Also choose any 4 topics of ur interest for peer assessment (ie student evaluate student) and reports (individual). I'll explain this further in class. Thank you.


201KM-Sample Online Journal

Assalamualaikom,

I hope by now all of my 201KM students (both old and new) have created ur own blog for the online journal dedicated to ur 201KM subject. As explained in class, I'm expecting u to start writing & submitting ur weekly "posts" starting this first week onwards.

Please use this standard format for ur blog name: eg. ahmad201KM.blogspot.com or zelma201KM.blogspot.com. Use ur firstname as the prefix.

For new students (part A), begin your weekly report titled as WEEK 1, WEEK 2... etc. For old students (part B), u can begin the weekly report with WEEK 15, WEEK 16... etc.

What to write about? Basically just ANYTHING about the project u r about to do or currently doing. What's impt is that it has to be ORIGINAL - written in ur own words,
emphasizing on the MILESTONES and/or project management issues encountered.

U can check out this nice blog by one of ur friends:
nollyglory.blogspot.com. She created this blog to update her internship progress report for A205EEI subject.

Should there be any enquiries, feel free to drop by my office.

Friday, January 16, 2009

THINK & EXPLORE


I want to share my views regarding our education system. When I look back to my school days way back in the 1960s to 1970s, I feel a sense of regret that our public schools could have done much better to teach our students to think creatively, innovatively, and flexibly to enable them to explore and develop their potential.

I noticed our education system does not instill or encourage enough for students to want to learn – even if the students themselves wanted to. Most of the time they are spoon-fed, leading them to become lazy, lacking resourcefulness and loss of interest. Whether they realize this or not, the desire to explore and develop their potential is thus suppressed.

Their main focus seems to be just to memorize. Too much emphasis is placed on marks and grades than learning. The system emphasizes more on rote dictations and regurgitating what has been learned. They are trained to be more passive listeners than communicators.

They are trained to keep a low profile in discussions, from being seen or heard, and to keep the discussions only within their small group of close friends. They are afraid to speak up their minds, especially in front of the others. Most of the time they choose to be at the sidelines only as spectators, rather than participating by giving opinions, comments, justifications etc

If this problem is not tackled at the early stage, they will grow up to be passive even at work. This we can see very clearly when even university graduates now prefer to keep a low profile and shy away from discussions or voicing up their opinions/arguments in department meetings etc.

Talking about regurgitation, I recalled a colleague sharing her experience from one of her ICT classes. One day she was discussing a topic about something when the word “EMBOSSED” suddenly popped up. Suspecting that some of her students didn’t understand the word, she asked them if they knew the meaning of “embossed”.

Naturally, they replied in concert “NO Maam”. So she explained “Alaah, yang macam kat Kad Jemputan Kahwin tuh !” The students nod in agreement and scribble down some notes onto their respective notepads.

Then later in the semester, coincidently a question popped up in an examination that asked for the definition of the word “Embossed”. Guess what happened? There is this one particular student who answered: “Alaah, yang macam kat Kad Jemputan Kahwin tuh !”. So much about rote dictations… kuang kuang kuang !

Well, may be this is just one incident and it’s not fair for me to generalize that all of our students are like that. But one interesting point to note here is that there are students who just simply “swallow” whatever you say to them.

Of course in this particular scenario, the lecturer should have given a better definition of the word in the first place. But to me, the student is also at fault for not taking necessary initiatives to follow up to check at least from the text book, or Google the internet (or Wikipedia etc) to get a more complete definition of the word.

This is what I’m actually trying to highlight here. Are we teaching our students to think creatively, innovatively, and flexibly to enable them to learn, explore and develop their potential? Or are we teaching them to just become passive listeners – simply taking down notes and regurgitating them out during examinations?

I believed a major contributor to this dilemma is the conventional teaching and learning methods. In this fast-paced era of ICT, conventional teaching and learning limits the speed and learning capacity of our students.

Honestly, I strongly believe that if our students’ interests are properly stimulated, while giving them the opportunity and flexibility to explore and not afraid to make mistakes, they can become more creative and innovative in as well as out of the classroom. Emphasis should not only be focused on the marks and grades alone, but also on the LEARNING itself.

Thursday, January 15, 2009

HOW TO SPOT A BAD BOSS/MANAGER/CEO

It's easy to spot a bad chief executive once the damage is done -- a plunge in company earnings, a failed product line, a corruption scandal. But how do you spot the flaws before it's too late, before that person is given the job of leading the company?

Here are some warning signs that board members and search committees can look for in a prospective CEO's character, and measures they can take to reduce the likelihood of hiring a dysfunctional CEO.

Here are some of THE WARNING SIGNS ...

• An overt zeal for prestige, power and wealth. A manager's tendency to put his or her own success ahead of the company's often is evident long before that person is ready to assume the CEO post.

• A reputation for shameless self-promotion. Executives and managers who constantly seek publicity, are always looking for a better job or trumpet their successes while quickly distancing themselves from setbacks are sending strong signals that their egotistical ways may eventually cause major problems.

• A proclivity for developing grandiose strategies with little thought toward their implementation. These executives may assume that others at lower levels will magically turn strategy into reality.

• A fondness for rules and numbers that overshadows or ignores a broader vision. This is the flip side of the preceding problem.

• A reputation for implementing major strategic changes unilaterally or for forcing programs down the throats of reluctant managers. CEOs have to be consensus builders.

• An impulsive, flippant decision-making style. CEOs who approach decision-making with clever one-liners rather than with balanced, thoughtful and informed analyses can expect to encounter difficulty.

• A penchant for inconsiderate acts. Individuals who exhibit rude behavior are apt to alienate the wrong person at the wrong time.

• A love of monologues coupled with poor listening skills. Bad listeners rarely profit from the wisdom of their associates.

• A tendency to display contempt for the ideas of others. Hypercritical executives often have few stellar accomplishments of their own.

• A history of emphasizing activity, like hours worked or meetings attended, over accomplishment. Energy without objective rarely leads to improved organizational performance.

• A career marked by numerous misunderstandings. There are two sides to every story, but frequent interpersonal problems shouldn't be overlooked.

• A superb ability to compartmentalize and/or rationalize. Some executives have learned to separate, in their own minds, their bad behavior from their better qualities, so that their misdeeds don't diminish their opinions of themselves. An important internal check is missing. Others are always ready to cite a higher purpose to justify their bad decisions.

NOTE:This article was taken from "Keys to Spotting a Flawed CEO -- Before It's Too Late" By TERRY LEAP.

Wednesday, January 14, 2009

ASSERTIVENESS = success in life ?

Have you ever felt that sometime and somewhere in your life time you deserve more than what you get? And have you ever wondered why some people always seem to get what they want, and sometime even much more than their share? How do they do it?


The answer is : they know how to ASSERT themselves.


WHAT IS ASSERTIVENESS?


Being assertive is the ability to stand up for yourself – without having to step on anyone else’s toes! It is the ability to express yourself in a manner that is clear, direct, specific, and considerate. It means saying what you mean and meaning what you say… confidently, consistently and persistently.


Being assertive is an in-between of being passive and aggressive. Passive people are often “shy” or reluctant to express their real feelings or interests. On the other hand, aggressive people do not have this problem, as they are usually “inconsiderate” towards others. In short, assertiveness is neither passivity nor aggression.


WHY IT MATTERS TO BE ASSERTIVE?


Assertive people express their feelings honestly and without guilt. They take responsibility for their feelings – for what they say or do. They don’t make or give excuses. With or without the support of others, they stand up for themselves and exercise their rights, while at the same time respecting others.


Assertive people have positive self-esteem. They like and value themselves. They are in control of their lives. Their relationships with others are usually more meaningful and fulfilling because they communicate openly with mutual respect.


Assertive people can look a person in the eye and speak in a firm yet non-threatening tone. They will not allow others to take advantage of them.


Assertiveness allows you to ask for what you want, say “no” when you want to, and get what you want out of life. It will help you socially, as people will respond to you more positively. It helps you to communicate more effectively both on and off the job – with family, friends and colleagues.


Assertiveness is a sign of a healthy, confident and well-adjusted personality. But in reality, assertive people are a rare breed. Studies showed that only 5 to 20 percent of the population is assertive.


People are not born assertive. But like other critical life skill, assertiveness is a strategy that can be nurtured or learned.


HOW TO BECOME MORE ASSERTIVE?


The first step is by eliminating all unassertive behaviors, gestures as well as speech patterns. Passive behaviors such as avoiding eye contact, slouching, speaking too softly, being indecisive, or minimizing the importance of your own needs and wants, should be thrown out of the window!


Weak gestures such as scratching, or putting hands in your pockets suggest a passive personality. Avoid giving frequent justifications or apologies, rambling and putting yourself down.


So do you think you are assertive enough to get what you want and be successful in life?


Tuesday, January 13, 2009

STRATEGIES in handling DEAD HORSES

The tribal wisdom of the Dakota Indians, passed on from generation to generation, says that, "When you discover that you are riding a dead horse, the best strategy is to dismount."

However, in government, the corporate world, even in the education sector, more advanced strategies are often employed in such situations, such as:


1. Buying a stronger whip.


2. Changing riders.


3. Appointing a committee to study the horse.


4. Visiting other countries to see how other cultures ride dead horses.


5. Lowering the standards so that dead horses can be included.

6. Reclassifying the dead horse as living-impaired.


7. Hiring outside contractors to ride the dead horse.


8. Harnessing several dead horses together to increase speed.

9. Providing additional funding and/or training to increase dead horse's performance.


10. Doing a productivity study to see if lighter riders would improve the dead horse's performance.


11. Declaring that as the dead horse does not have to be fed, it is less costly, carries lower overhead, and therefore contributes substantially more to the bottom line of the economy than do some other horses.


12. Rewriting the expected performance requirements for all horses.

And of course my favorite …


13. Promoting the dead horse to a supervisory position !!!


BUILDING TRUST

Trust is a critical foundation for good relationships. Families, friendships, and organizations need trust to operate effectively.

As Muslims, we are constantly reminded to emulate the 4 basic characters of our Prophet Muhammad S.A.W in whatever we do – Siddiq (benar), Amanah (jujur), Tabligh (menyampaikan) and Fathonah (bijaksana).

Siddiq is an Arabic word meaning “trustworthy” or “yang bercakap benar dan sangat dipercayai”. When we trust one another, everything works better, and easier too. But trust is not automatic, we must earn it.

Some people earn trust quickly. Their attitudes and behaviors make it easy for others to trust them. They keep their promises, whether to their colleagues, employees or clients. You can rely on them to do what they said they would do.

They tell the truth, even when it may be painful or to their disadvantage. When they realized that they have done something wrong, they are quick to apologize. They sincerely regret wronging others. And most importantly, they will not repeat the same mistakes again.

They are good listeners. They listen at least as much as they talk. They praise people generously. They are constantly watching for what others do right and comment on it.

They willingly cooperate with their staff or colleagues. They are more interested in achieving good results than in who gets the credit. They strive to understand how others feel. They are sensitive and empathetic.

They look out for other people’s welfare and interests, as well as their own. They are fair in their dealings with everyone. They clarify their intentions so others will understand their actions. They seek input on all issues from the people who will be affected by their decisions or actions.

Strong trust builders are extremely relationship oriented. They really care about others. They actively practice the Golden Rule of “treating others the way they would want to be treated.”

When leaders demonstrate these attitudes and behaviors, people will just naturally trust them. People trust them faster too. People don’t “run away” from them – in fact, people enjoy working with, as well as for them.

Monday, January 12, 2009

346IS The Digital Society

To all my 346IS students, welcome ! Our new sem will begin on Monday 19 Jan 2009. Based on our CMS, this sem I have one section of 346IS.

From now onwards, pls check this blog 4 any updates with regards to our class assignments etc. U can email me at safiansaidi@ymail.com. My mobile # is 019-9491100 (sms only).

C u in class...;)

Welcome 201KM

To all my 201KM students, welcome ! Our new sem will begin on Monday 19 Jan 2009. Based on our CMS as of 5 Jan 2009, I was assigned to 3 sections of 201KM, ie Sect 01, 02 and 10 (new).

From now onwards, pls check this blog 4 any updates with regards to our class assignments etc. U can email me at safiansaidi@ymail.com. My mobile # is 019-9491100 (sms only).

For ur first assignment:

I want ALL of u to create a blog dedicated to this subject for u to update (on weekly basis) the progress of ur respective gp projects. Look at it as an online logbook/portfolio ! I'll explain the details in class.

C u in class...;)

Monday, January 5, 2009

UNIT TRUST

NOTE: This is an e-mail (unedited) I received from a colleague Napi. Nama & hphone dia kat bawah tu, kalau sesapa nak contact dia lah... I find the content very good & relevant utk di kongsi bersama...

Bagi saya.. pelaburan dalam UT adalah satu bentuk pelaburan yg baik, sama ada melalui EPF atau CASH. Cuma sedikit panduan utk mengelakkan rasa keciwa sekiranya berlaku keadaan yg tidak dijangkakan..


1. Asas keuntungan UT, buy low sell high.

Perkara pertama yg kita kena tau.. keuntungan UT diperoleh daripada konsep di atas… Ada masa ia mengambil masa yg lama, mungkin 1 - 3-5 thn baru untung… ada masa ia mengambil masa yg pendek… kurang daripada setahun.. Walaupun 1 portfolio pulangan tahunannya adalah 100%, tp sekiranya kita membeli pada harga yg tinggi, pulangan akan jadi kurang, atau boleh jadi negative.

Beli pada harga murah skrg ni mmg amat baik. Kita akan untung sekiranya jangkaan ekonomi semakin baik pada thn 2009. Tp sekiranya bertambah buruk. usahlaa rasa kecewa dan marah, exp pada UTC - kengkadang kalau terlalu emo, sesetengah pelabur akan kata UTC tu tipu. Biasanya akan jadi kes macam nie kalau UTC tu jenis senyap, no updated news.

Utk elakkan rasa keciwa pada UT dan UTC sekiranya pasaran semakin merundum, antara langkah yg boleh kita buat adalah bahagikan duit pada beberapa bhg, dan buat pelaburan bergantung pada keadaan. Cth, 20% pada Jan 2009, lepas tu tengok keadaan ekonomi, kalau turun, bln akan dtg top up lagi maybe 30%.. dan seterusnya.. Cara macam nie boleh mengurangkan peratus kerugian kalau harga UT semakin turun. Tp kalau semakin naik, ia akan menjadikan peratusan keuntungan pula berkurang.

Switching juga perlu kalau UT kita rugi. Kalau nak buat switching, dapatkan nasihat daripada UTC. Ada masa kena top up dulu, sama ada dlm portfolio baru atau portfolio sedia ada. Timing yg baik perlu semasa buat switching nie… Biasanya dalam keadaan macam nie… sesiapa yg melabur dlm dana equity, akan diminta buat switching ke dana jenis bon.

p/s : tujuan bukan nak memburuk2kan UTC, tp supaya nak menjadikan pelabur lebih bijak, supaya akan datang.. kita boleh ambik action yg sepatutnya sekiranya berlaku keadaan yg tidak dijangkakan..

Sekian utk hari ini… kalau ada komen daripada mana2 pihak.. amatlaaa dialu-alukan. Sebelum tamat, UT adalah pelaburan yg menguntungkan dengan risiko yg kurang… dari muda nie eloklaaa menyimpan…

Note-
UT / portfolio = unit trust
UTC = unit trust consultant
------------------------
Md Hanafizah bin Ya'acob
Computer Science Lecturer
Kolej Poly-Tech MARA Kuala Lumpur
0162252580