All of us do have own flavor. And this flavor keep on changing depends on the situation. Some times it can be as sweet as candy, as sour as lime as spicy as red hot chilly. I wanted to share will all what flavor that in me. Enjoy…
Tuesday, September 30, 2008
Investors swarm T-bills as US House rejects bailout
NEW YORK: The House's rejection of the financial bailout plan flung the credit markets into further disarray Monday, sending investors swarming again for the safety of Treasury bills.
If the credit markets stay tight, it could spell trouble for companies trying to raise cash by selling short-term debt in the coming weeks.
If those companies' efforts are thwarted, the economy could grow even weaker.
After the Dow Jones industrial average plunged nearly 780 points on Monday - the biggest daily point drop ever - the yield on the 3-month Treasury bill sank to 0.14 percent from 0.87 percent late Friday.
Low T-bill yields show that investors are prepared to get virtually no return on an investment as long as it is secure.
The moves in both bonds and stocks Monday were "violent,'' said John Spinello, bond strategist at Jefferies & Co.
"We're dealing with moment-to-moment, dynamic action that's so hard to describe.''
Earlier Monday, LIBOR, or London Interbank Offered Rate, for 3-month dollar loans had risen to 3.88 percent from 3.76 percent on Friday, suggesting that banks have grown increasingly unwilling to lend to each other.
LIBOR for 3-month euro loans, meanwhile, soared to 5.22 percent, the highest rate ever.
Other lending rates increased, too, from already lofty levels - including those on short-term company debt known as commercial paper, and those on overnight loans in the repo markets, where banks and other institutions do temporary borrowing.
"Once the credit market freezes up like that, this crisis that's enveloping the financial sector has the potential to leach out into other areas of the market - into companies that themselves are solvent, but need cash to fund their daily operations,'' said Jack A. Ablin, chief investment officer at Harris Private Bank.
Demand for commercial paper has tumbled, analysts say. And according to the Federal Reserve, about a quarter of the $1.7 trillion in total commercial paper outstanding matures this week.
Another 30 percent matures in the following three weeks.
"There are hundreds of billions dollars maturing over next 60 days that need to be somehow refinanced,'' Ablin said.
"Without a working credit market, this isn't just a slowdown of the economy - it's essentially a shutdown of the economy.''
To be sure, some of the problems in the credit markets, where corporate borrowers go to find loans, have been feeding on themselves.
Much of the recent tightness in the markets has been caused by investors waiting for the outcome of the rescue package, which proposed to allow the Treasury to spend up to $700 billion buying banks' souring mortgage-backed debt.
"I think everybody focusing on Washington froze the credit markets,'' said Howard Simons, strategist with Bianco Research in Chicago.
Potential buyers figured the government under the plan would buy mortgage-backed securities, he said, but they did not know how it would go about it, or how much it would pay - and that kept them in wait-and-see mode.
But while it is possible that the fears are overblown, even the most daring investors appear hesitant to make contrarian bets - particularly given how many times academics, government officials and bank executives called a bottom to the global financial systems' woes, only to have their predictions blow up in their faces.
The global financial landscape continues to change, keeping large and small investors alike on edge.
Citigroup Inc. acquired Wachovia Corp. Monday in a deal brokered by the government.
That development follows Washington Mutual Inc. becoming the largest bank to fail in U.S. history; Lehman Brothers Holdings Inc. becoming the largest company to file for bankruptcy; the government takeover of insurer American International Group Inc. and mortgage financiers Fannie Mae and Freddie Mac; and Bank of America Corp.'s shotgun buyout of Merrill Lynch & Co.
The mortgage crisis is also ripping through Europe, where there are many large banks whose failures could rock the global financial system.
The British government is nationalizing the troubled mortgage lender Bradford & Bingley, while Belgium, the Netherlands and Luxembourg agreed to buy a 49 percent stake in Fortis NV for $16.4 billion.
"Right now, banks don't trust one another,'' said Axel Merk, portfolio manager at Merk Funds, adding that European countries' short-term government debt was in extremely high demand Monday.
In an effort to keep the global financial system functional, the Federal Reserve said it was doubling the total amount of cash loans to banks to $300 billion, and making $620 billion available to other central banks through currency swap arrangements, up from $290 billion.
Longer-term Treasury prices soared as stocks tumbled.
By late trading, the 2-year note rose 26/32 to 100 20/32, and its yield dropped to 1.67 percent from 2.13 percent.
The 10-year note rose 2 7/32 to 103 15/32 and yielded 3.58 percent, down from 3.86 percent.
The 30-year note jumped 4 12/32 to 106 16/32, and its yield fell to 4.12 percent from 4.38 percent.
The U.S. economy is still weakening.
The Commerce Department said consumer spending was flat in August - the worst reading since February, when spending was also unchanged from the previous month. - AP
Latest Financial Meltdown, NYSE, NASDAQ and other business news, pictures, videos, audios and charts from the AP-Wire
Selamat Hari Raya
Monday, September 29, 2008
Berbuka with myms gals
The different this time is my beloved pijah is married and pregnant. Comel sangat. How lucky zaki is. A happy couple. They expected a baby gal. Pijah don’t forget to include my name in ur gal name yeah. Ade siti siti pun jadi lah. Her due Insyallah will be on Oct. As I promise you I will buy a baby car seat for her.
Pijah's Tummy..... Hello baby
Really miss you, at our single years tittle. “Dengan pandangan mata mu yang tajam membuat hati ku berdebar-debar and takut. Kekekekekke …”Although you are younger then me but u are fierce teacher that I ever had. Hahahahha takut ooooo. Zaki, I know u will take good care of her
Ala Aiman tak de dalam gamba :(
And farrah with her 2 kids. Sweet and soft Aiman with his beloved aggressive and charming sister Dalila. They are big now. Grown up. They look so different a year ago. Dulu kecik je comel je. I remember the time I carried Delila. So kecik now she seems so aggressive. Tak nak ngan Aunty Save dah…. Farrah, u no need to worry to tell me that u are pregnant. Congrats. Its my fault not yours. I know I should settle down before the 3rd baby. Tapi nak wat cam ne. Tak de jodoh lagi. I think kan I need to say I be settle down after your 4th baby. I know u wan to have 4 kids. So if u terdapat extra rezeki to hav the fifth baby, its shows I wont settle down lah. Seems im not working hard for it. Kekekekekke……. Congrats farrah. And congrats to syaiful too. For the 3rd baby and not to forget the brand new gadget ( Camera)
Mommy and daughter....
Lilian…… We had a lovely dinner and berbuka puasa was on the 15th kan. Berbuka.. kekekkekeke tak berbuka pun dua dua pun tak pose. We had it at the Pick n Brew. Was a nice place. Where else One Utama lah. U look so cute with the short hair. Better, you look younger. Tu lah I didn’t bring my camera along. Other wise can put ur latest picture. No worry Lil, you are still young. Enjoy ur honey moon with Alex. If people ask you when you guys will have baby just answer “ Come to hospital tomorrow, I will deliver a healthy and cute baby”. Confirm they wont ask you that question lagi. Kekekke… I know Alex cant wait to hav a baby too. Tak pe lah tak de rezeki lagi. And Lil not to forget find me a tall, hansome, rich and alim guy. Kekekkekek… Nantilah next year I down grade kan the requirement. We had so much fun kan. Lil I don’t hav your latest picture L. This pic taken from the January babies. I don’t hav the picnic nye picture. I miss armin lah. Guess wat!!!! I lost 3kg. Cant wait to meet him to tell him that. Always complaining that im fat…. Kekekekekek…
The Januries babies.....
Kekkeke Armin and Sanil In red..... Miss those guys
Sunday, September 28, 2008
Sab, Liza, Lilian, Pijah….. and my beloved lil sister… adik
Working with myms how its start. I join in in april and lil join in May. If I not mistaken. Pijah a year after kot, kan pijah.
Lil although we are difference race but I just don’t know that we can click together. Boleh je masuk. We share problems all type of problem personal or office. My stupid problem when break off with Hakim… Siap nangis2 lagi. I felt so stupid. And problem with the bosses. I still can remember the last occasion we organize at myms. The picnic. I think It was the best event ever in myms that time. I don’t know now. And the baking muffin session. Kekekekek at your house. Not bad lah the muffin. We should do it again. While u still tak de baby. Im impress that we still in contact kan. Still do lepak lepak sesama. I think kan we are the model of good Malaysian. Kekekekek no boundary between races. Lil I wanted to say thanks for being there for me. You really help me a lot when I was down. I wish I can be there when u are in need. And I will be there you can have my words. Love you and hope our friendship will never end.
And my lovely pijah. Although she much more younger then me but we don’t felt the different kan. Macam sebaya je. Tak de akak akanye lah. Terasa diri ku ini mude . kekekekkek…. She the one who teach me assembly language. Cikgu yang sangat garang. Sampai kak nani nak tanye soalan pun takut. Kekekkeke. Biler pijah jeling tu….. takut nye… cam nak makan org je. But that her trade mark. Maybe that how Zaki fall in love with pijah. Kekekekek. She teach me a lot of other things. Being with her make me a good muslim. Selalu je kene tegor. But that good. At least some one control me. We are so closed, and even im quit close with pijah’s family. I felt at home when im around with her family. Pijah kite belajo swim sesama kan, u comfort me when I was so down. Ingat tak the CCRT. Kekekekekke. Siap tulis dalam this blog lagi. Pastu kalau sedih memalam kite call awak. Tp sekarang tak leh…. U dah ade zaki. Susah nak call memalam.Pijah I just wanted to tell you I really love you. You are more than a sister. Although you are married I hope this relationship will never end. I love being ur baby god mother. I will be a very good aunty. Aunty save yang comel. Kekekkeke
Adik, Ina sayang sangat kat adik. Although im not being a good kakak to u but you still my sister. Hehehehhehe. I know ur much mature than I am. People cakap anak ke tiga nie pelik sikit. So ina nie pelik sikit dik. That y tak matang-matang and manja manja sikit. Anak kesayangan mak lah katakan (tak jugak). Kekekkek. Adik thanks for being there for me when I was down. Giving me an advice. Tapi kan dik u know lah ur sister nie emotional sikit, sometimes terasa gak when u raise ur voice to me. But I never keep it in my heart. Sedih lah gak memula but after a while it gone. Blood are thicker then water kan. Wat ever happen we will be there for each other. Adik marriage life at the beginning are tough. We never live together but when we live together then we see the things that we didn’t see before. I wish I have the experience to share with you. I don’t :(. But if you need an ear to hear your problem you can come to me. Im here for you. Maybe I cant give u advice but at least can reduce ur burden. And my advice to u in marriage life, each of you need to give and take and kene sabar towards each other. Jangan dua dua jadi api nanti terbako. Cam ne? heheheheh…. I love you dik. And I wan you to be always happy. Sayang adik… muahh….
No Subject
Relationship
Talking about different races relationship in Malaysia, some of Malaysian is so typical Malaysian I think. We are in a modern and global world. Races are just races. Colors of skin colors of hair. But we are still human. Human are all the same. I have been with Arab, Malay and Indian guys. Guys are guys. No different between others. I have this one friend and I introduce an Iban guy to her. Iban they have a Malay-chinese look. The Iban can speak Malay very well as they are Malaysia too. When she knows that the guy an Iban she was so shock and scolded me. GOD!!! I didn’t ask her to marry him. I just wanted you guys to be friend. Large up the friendship network. Not for you to settle down with him. Hmmmmm people….
Please lah. What I really wan to say here actually open up the mind that we are Malaysian and we should mix with each other as a friends or more. Its not wrong being a friend to a Chinese or Indian or other races. We are Malaysian.
Lots of experience in relationship. All those experience educate me more about life between man and women. I don’t know how to close this topic up but what is it is just having fun with life. We only live once be happy and enjoy what God give us. There always hikmah disebalik nye.
Yesterday date…
The story start like this, I know this guy quit sometimes already. A friend introduce him to me, we met once only. Communicate just by sms or call. Sometimes only if ter’remember him. He working at one of Malaysian bank. He ask me out as a date and wanted to give me the notes. He wanted to treat me at one well know burger restaurant. We should meet at KLCC, but im so lazy to drive in to KLCC and I know it will be crowded and ask him to stop al KL central and we berbuka at secret recipe. I don’t think so it so expensive and I think he can afford coz it will be nearly the same price at the other restaurant .On the way to restaurant we had a small chat. While waiting the food and berbuka we talk abt a lot of things. I am the one who keep on asking questions and he do the answering. Im so bored. On certain time I am clueless wat to ask him. And he keep on talking abt the job, being paid well better then the executive( 11 year working with the same bank wat you expect), abt his saving, buying car, his boss, his family abt his plan getting married, wan a working wife and so on lah. Im so bored. Boring sometimes the same thing again and again. Im so bad.
My food... Sedap giler. Its my Fav..... Tapi yg kat sini ( Bangsar) not spicy no good...
Books to read
I bought 2 books. Its for my preparation to Umrah next year. Insyallah. The first one is Pelajaran Solat Lengkap by Ustaz Maftuh Ahnan. It teach you From A to Z how to perform solat. I need this book to make sure the reading and my act( perbuatan) in my solat is correct. This book also teach others solat wajib and sunat. Is a good book. I just start reading it. I do it after my solat.
Preparation for Umrah
And the other book is Panduan Umrah & Ziarah serta Doa by Hj. Ahmad Muhammad Abdul Ghaffar. I don’t know anything how to perform Umrah. Yeah school times were years back and the ustazah do teach it. But wat can I say I forget. It’s a good book. They write in roman writing not in jawi. Other wise so hard for me to read it. But all the Al-Quran ayat in jawi with the ‘baris’ so I can spell and read it.
Actually I’m so scared to go for umrah. I’m worried I’m not ready yeat. I felt I already done lots of bad thing in life. But I hav to think positives, I’m going there to clean up may self, ask forgiveness from Him, and make my self near to Him. Insyallah no bad things will happen to me if my intention to go there good kan. I wan to see the ka’abah and feel near to Him and ask His forgiveness. I’m going there alone again tot wan to bring my parents but it’s over my budget. Insyallah I will bring them to Hajj. Their 2nd Hajj if panjang umur and murah rezeki. Insyallah.
Love this book
And the last book… I didn’t buy pun but I love it. Lunch time I will run to MPH at New Wing One Utama to read this book. Expensive lah the book. Its cost at 65 hinggit. Its ok lah just can read for free wat….
Wanted to felt good being single. Kekekekke the tittle is Better Single then Sorry by Jen Schefft. It’s a very good book. Not only she tell you wat u get being single and also teach you how to tackle the guy u interested. Good lah… worth running to MPH reading it…
Thursday, September 25, 2008
http://www.photofunia.com/
Aida showed me a nice website.... i tested it.... and comel nye kekekekkeke... Sapa nak puji if not myself. makcik aida! kite tak leh nak load in my friendster.. so i load it here... Jangan jeles.. and syima the address is http://www.photofunia.com/.
Wednesday, September 24, 2008
Wat I want in life
Monday, September 22, 2008
New Shoes
Does it look like a wedding shoes????
But its look elegant right?
I really like the new shoes... Semua cakap it’s a wedding shoe. This daily shoe, tak tengok lagi my wedding shoes. Must be more grand then this shoe. This shoes kan sesuai for all my baju kurang any color. sesuai sangat lah. But I didn’t try it with my pants or skirts. Next month after raya can wear pants and skirt.
And the other shoe is a very simple shoe. It’s a 'go to market' shoe. Comel sangat. Blue color. Actually it’s exactly the same like Awa's shoe she bought when she was here.
Saturday, September 20, 2008
My Fav lecturer En Mahadi Bahari
With the red busses behind him: London
Its a nice scenary
With his lovely wife
He is an excellent lecturer and always there to help his student. And the way his teaching is easily for the student to understand. He will try to make sure his student understand each of the information that he tries to pass to us. I say this maybe because I really like him. But its true wat he become my ‘pamangkin’( English word tak tau lah;))for me to come to his classes and score for his subject. ( But Sorry lah En Mahadi, currently I really hate database with lots of table and the crazy SQL syntax. Its make me felt like I’m so stupid. I prefer deal with smart card as the memory that I treat as a direct database. But now I need to fall in love again with the SQL and database as I will deal a lot with them….. )
Physically he is short and cute person. Very adorable and cute guy with his husky and unique voice. A very simple word for me… Comel sangat….
Base on his frinedster page he is happily married and expecting a baby soon. Congrats En mahadi. And seems UTM sponsoring he and his family to UK to continue his PHD. Congrats again. May Allah bless you and your family. Here some pictures I took from his friendster pages. I really hope that he don’t mind.
Wednesday, September 10, 2008
KLIA again
Tuesday, September 02, 2008
Monday, September 01, 2008
Balik Kampung
Today is the first ramadhan. My parent and me went visiting my granny’s grave. Melawat kubur. Its should be before ramadhan.. bersih bersih kan kubur and sedekahkan al fatihah. But the day before we were quit bz. Almaklumlah zura and her hubby moving in with me. That other story.
We went to my dad side at Sabak Bernam. Lama sangat tak gie visit kubur kat sana and I rase its quit sometimes too I didn’t visit kampung sebelah sabak. If visit for raya pun its always at night and I cant see the surrounding. We visited embah nanang@lanag( embah = granny, nanag or lanang = man) and embah wedok( wedok= women) and sedara-sedara embah nanang. His brothers are buried there too. And not to forget my cousin she past away 8month ago also buried beside his father. The place was so different then the last time I visited. It was about more then 10 years ago. Masa dulu its was a bit scary. Just like in the middle of the jungle with the big old trees and the sound of the birds. Now it’s a bit different. The big tree not there anymore. Chopped town and the graveyard are gated now. It’s clean. I felt tenang and tentaram kat sana. With the wind blow and the bird sound are still there. And the place is not that hot at all. We sedekah kan yassin to embah nanag and wedok. But when I read the surah yassin for embah nanag I felt ghost bum. Seram sikit lah. Maybe when I baca the surah kalang kabut and tak betul panjang pendek. Maybe embah nanang nak tegur kot salah baca. Hehhehe. Terlupa nak cakap abt the batu nisan. The batu nisan was the batu batu lama. Design lama yang bulat bulat tu. My grannys nye batu nisan was with their name aje. Tak de tarikh lahir and meninggal. Then my dad show me his brothers graves. I think my dad do miss his brother and his parents. Setiap yang hidup akan mati. I know my time will come too. But I hope I dapat mati dalam iman. Amin…..
Kampung Sabak Bernam
Gamba rumah kampung... but omly hiasan je
After nearly an hour there we when to visit my aunties that staying there at sabak. It’s just near with the grave about 15minuts driving. She was not at home that time only her son (abg atan) and his family. Daytime are such so different from night. You can see everything there. The pokok ciku that my brother ( Im ) and me play around dah tua sangat. It becomes an old tree. And they’re lots of new trees around. It just looks so different. Before this the old kampong house look great although is a very old house. It does belong to embah nanag house. Selalu lah diminyak kan the house. It’s a wood house. Dah tua sangat. Dulu we used to running around the house. Now its seems dah tak terjaga sangat. My auntie the one who stay there always go to her daughter house at Shah alam. Abg atan and his family are staying in that house. They have lots of kids. Small kids. I understand they don’t have lots of time focusing to the house.
After about 15minutes at that house we went to my other auntie house. Its just walking distance as my dad walk to her sister house. Rumah wak yam. Being renovated and bigger than originally. Her son working with Petronas and her daughter the one who pass away 8 months ago. She was there with her grand kids. Rumah wak yam…. When I was a kid, my brother and me always come there to spend our school holiday. Dulu till now wak yam teach kids reading Quran. Dea aja tak garang compare my mum.. kekeke;) So I have lots of friends at kampong that time. But once we grow we lost contact and forget about each other. Daytime kite org turun gie kebun koko wak yam cari koko. Banyak nyamuk biasalah tu. Koko pun banyak. Sambil sambil cari koko we cari cendawan gak, Wow the mushroom sedap sangat and banyak sangat. We just fried the mushroom and eat it like that… rasa macam ayam goring…. Depan rumah dulu ada kolam… we used to main kat sana. But now dah tak de. Pokok janda kaya pun dah tak de. Perigi buta pun I don’t think so ade. So diffrents now. I miss my old time.
Balik kampong for ramadhan this time seems so different. Seronok sangat.mengenang memori lama. memory lane lak katakan... At least I reduce my stress with currents things happen to me. Hope this ramadhan will be one of the best ramadhan. I wish it just like the ramadhan I used to celebrate in Uni. I try to go for terawikh NOT TRY but I go for terawikh everynite.. Insyallah….. till now I think… Jalan jalan balik kampong…. Sayang sekali I didn’t bring my camera other wise I can share with all…..