2010 : Bolasepak Kelantan Dalam Sejarah

TAHNIAH THE RED WARRIORS!

Semalam..tanggal 30 Oktober 2010, bolasepak Kelantan sekali lagi mencipta sejarah di mana pasukan kesayangan seluruh rakyat Kelantan -  The Red Warriors – telah berjaya memenangi Piala Malaysia 2010 dengan menewaskan Negeri Sembilan. Kemenangan ini telah berjaya membalsa dendam ke atas kekalahan 3-1 pada final tahun lepas. Aku berada di stadium seawal jam 6 petang dapat melihat berapa ramainya penyokong yang datang bagi menyaksikan perlawanan tersebut. 3/4 stadium penuh dengan ‘Lautan Merah’ dan tidak sampai 1/4 stadium dihuni oleh warna kuning penyokong Negeri Sembilan.

  

Perlawanan bermula dengan agak menarik tetapi gaya permainan yang terlalu berhati-hati dari pasukan Kelantan pada separuh masa pertama membuatkan aku dan penyokong-penyokong lain sedikit ‘panas’. Dengan benteng pertahanan yang goyah, bahagian tengah yang sering kehilangan bola dan penyerang yang tidak mendapat umpanan bola yang menarik – Kelantan dihukum oleh gol awal Negeri Sembilan pada minit 13 menerusi sepakan penalti Shahurain Abu Samah. Penalti dihadiah pengadil selepas penjaga Kelantan menjatuhkan pemain lawan. Separuh masa kedua, Kelantan bermula dengan amat garang. Sangat berbeza dengan separuh masa pertama dan hasilnya, Hai-O telah menanduk masuk gola pertama Kelantan pada minit 56 dan Piya menjaringkan gol emas Kelantan pada minit 64. Kelantan menang 1-2. Penyokong-penyokong bagai dilanda histeria dan stadium gegak gempita dengan jeritan mereka. Mereka tidak bergrak sehinggalah selesai penyampaian hadiah dan Piala Malaysia.

Tiket Final Piala Malaysia 2010 : RM30?! BOIKOT FAM!

Ini adalah berita terbaru yang aku dengar petang tadi. FAM telah membuat keputusan untuk menaikkan harga tiket perlawanan akhir Piala Malaysia antara pasukan Kelantan vs Negeri Sembilan kepada RM30! Tiket yang asalnya berharga RM20 telah dinaikkan sebanyak 50% menjadi RM30. Timbul isu adakah FAM telah mengambil kesempatan terhadap keghairahan peminat-peminat The Red Warriors pada masa ini. Atau FAM sudah tidak mempunyai idea lain lagi bagi menambah pendapatan mereka selain dari menaikkan harga tiket ini.

Apakah alasan logik dari FAM mengenai perkara ini?! Sila jawab. Tan Sri Annuar Musa dah ada dalam FAM sekarang. Adakah beliau boleh memberi komen mengenai perkara ini?

FAM ini bukan kadang-kadang, tetapi MEMANG SELALU membuat keputusan yang sangat BODOH! Sesuailah dengan orang-orang dalam tu juga. Buatlah pemilihan setahun sekali pun, hasilnya tetap sama! BOIKOT FAM!

Kalau Berpacaran

Kalau berpacaran
Memang banyak pantang larang
Menjaga susila
Ibu bapa adik abang

Apabila berdua
Carilah tempat yang terang
Agar tidak pula
Mencuba aksi terlarang

Boleh pandang-pandang
Jangan pegang-pegang
Duduk renggang-renggang
Bertambah sayang

Biar malu-malu
Biar segan-segan
Kerna malu itu
Perisai orang beriman

Kalau berpacaran
Jangan tunggu lama-lama
Kalau dah berkenan
Jumpalah ayah dan mama

Hantarkan rombongan
Meminang dengan segera
Kalau terlambat kasihmu disambar buaya

Yeah
Kita sambung cerita
Kalau kamu berdua
Aku yang ketiga

Aku penambah perasa
Akulah pendarab nafsu serakah
Hai teruna bikin perangai selamba
Hati si dara kata tak apa

Berani buat terima padah
Kalau tak sedia
Ucap syahadah

Proton Inspira 2010 (New Waja)

Hari ini bertempat di Proton Shah Alam, Proton telah melancarkan model sedan terbarunya, Inspira pada Khamis. Ini adalah model terbaru yang akan menggantikan Proton Waja di dalam pasaran automatif Malaysia. Inspira adalah model terbaik hasil perkongsian bijak Proton dan Mitsubishi Motors Corp. (MMC). Didatangkan dengan dua varian enjin iaitu 1.8 liter dan 2.0 liter berteknologi Mitsubishi Innovative Valve Timing Electronic Control (MIVEC) hasil kerjasama bijak dengan MMC.

Turut dilengkapi dengan CVT (Continuously Variable Transmission) dan mod penukaran gear secara manual enam kelajuan dengan sistem transmisi automatik INVECS-III (Intelligent & Innovative Vehicle Electric Control System).

Harga di pasaran bagi model terbaru berkenaan antara RM79,888 hingga RM95,000 dan pelancarannya sepenuhnya dijadualkan pada 10 November ini. Ini bermakna, Proton Inspira yang berkapasiti enjin 2.0 liter hanya akan berharga maksimum RM95,000. Jika dibandingkan dengan harga Mitsubishi Lancer 2.0GT yang berharga hampir RM125,000, Proton Inspira adalah jauh lebih murah dalam kelasnya. Apa pendapat dari pemilik Lancer yang sedia ada?! 

Proton Holdings Berhad menjangkakan dapat menjual model terbaru ini sebanyak 1,600 unit sebulan.

Orang ramai boleh menempah model sedan berkenaan di semua wakil penjual Proton mulai hari ini dengan bayaran RM1,000.

Al-Fatihah buat Saudara Che Karma Sulaiman

Al-Fatihah…

Seorang Penyokong Kelantan Mati Sesak Nafas namun bukan seperti yang digembar gemburkan iaitu berpunca dari pergaduhan. Mangsa Che Karma Sulaiman, 39 tahun berasal dari Bachok meninggal dunia dipercayai akibat sesak nafas ketika bersesak keluar dari Stadium Shah Alam selepas tamat perlawanan Suku Akhir pertama Piala Malaysia Selangor dan Kelantan semalam.Mangsa sebelum ini ada ditemui oleh pasukan paramedik ketika mengalami sesak nafas, bagaimana pun beliau mengatakan beliau ok ketika ditanya mengenai keadaannya.

Keadaan makin teruk ketika beliau keluar dari stadium selepas tamat perlawanan dan beliau rebah ketika menghampiri gerai menjual cenderamata sebelum meninggal dunia. Menurut maklumat yang aku baca keadaan kecoh gak diluar stadium setelah tamat perlawanan tapi berjaya disurai oleh Pasukan Simpanan Persekutuan. Aku taj berapa pasti tentang pergaduhan yang berlaku sebab aku terus blah je semalam lepas match abeh. Tapi masa sesak nak kuar dari parking area tu depan stadium tu, dengar gak la kecoh-kecoh macam orang gaduh. Tapi tak sangka la plak ada orang meninggal.

Al-Fatihah sekali lagi buat Allahyarham Che Karma Sulaiman. Semoga rohnya dicucuri rahmat..Amin

Selangor vs Kelantan : Seri Lagi!

Semalam aku dengan semangat yang penuh di dada dan berbekalkan jersi The Red Warriors telah menghadirkan diri ke Stadium Shah Alam. Gerak kul 730 malam dari Padang Jawa dan sampai di Stadium jam 745 malam. Terus masuk..perghhhh…penuh stadium weh! Tapi cam biasa, aku mesti amek port yang slalu aku duk (walaupun aku duk atas tangga dan 90 minit perlawanan aku berdiri). Percayalah..rakyat Kelantan di Selangor ini memang RAMAI! Separuh stadium dipenuhi lautan merah semalam. Hahahah…

Sebelom game start..macam2 perangai aku leh tengok. Yang menyedihkan, dentuman mercun yang sangat2 lah banyak. Siap de bunga api lagi bro. Apa..korang igt ni sambutan tahun baru ke pe. Hahahah..bangang. Paling best, boleh plak korang bom geng sendiri! Pekak telinga weh.

Bab bergaduh paling aku tak gemar. Hampir nak abeh 1st half tu, samseng2 yang duk kat belakang gol wat hal. Sama je dua2 penyokong..yang tu provoke then yg belah sini baling botol. Mula2 botol lama kerusi siap! Mercun tak payah cakapla kan. RELA, FRU ada kat situ tapi dorg pon terpaksa berhati-hati. Alahai..bagi je cota atas kepala. Kena sekor, senyapla sumer tu..

Keputusan perlawanan? Selangor 0 Kelantan 0. Seri lagi. Bila la Kelantan nak menang kat Stadium Shah Alam ni! Huh…

Suku Akhir Piala Malaysia : Selangor vs Kelantan

Sekali lagi dua musuh tradisi bolasepak Malaysia iaitu Selangor dan Kelantan bertemu! Kali ini mereka bertemu dalam pusingan suku akhir Piala Malaysia. Perlawanan pertama akan berlangsung di Stadium Shah Alam pada Selasa, 12/10/2010 ini dan perlawanan timbal balik yang akan berlangsung di Kota Bharu. Percaya atau tidak, Stadium Shah Alam adalah kubu kebal Selangor dan sepanjang aku menonton perlawanan Selangor vs Kelantan di sana, Selangor tidak pernah kalah. Walaupun Kelantan mendahului tetapi Selangor tetap akan menjaringkan gol untuk mendapatkan kuputusan seri!

Apa yang pasti perlawanan ini akan menjadi sehangat perlawanan-perlawanan yang terdahulu. Penyokong The Red Warriors memang diakui terlalu ramai di sekitar Lembah Klang ini. Setiap kali Kelantan beraksi menentang pasukan Lembah Klang, pasukan Kelantan seakan beraksi di tempat sendiri dek kerana ramainya penyokong Kelantan yang datang.

Aku berharap Kelantan akan dapat melepasi ujian Selangor pada perlawanan ini nanti. Kalau tidak menang pon. dapatkan keputusan seri dan menang di Kota Bharu nanti. Kekalahan pada Final Piala Malaysia tahun lepas masih terasa dan perlu ditebus. Itu pasti!

Diharap penyokong-penyokong yang datang ke stadium dapat menunjukkan semangat kesukanan yang tinggi. Janganlah ada yang berlagak samseng dan bergaduh sesama sendiri. Jangan membawa mercun kerana itu akan merosakkan kemeriahan perlawanan dan lebih buruk lagi akan mencederakan orang lain. Ingatlah, yang datang itu terdiri daripada semua golongan. Remaja, orang tua mahupun kanak-kanak. Kita perlu saling menghormati dan menjaga keselamatan diri dan orang lain. Yang terakhir, diharap tidak ada lagi bendera Parti Politik – PAS, UMNO, PKR or etc – di dalam stadium. Kita menonton bolasepak dalam suasana meriah tanpa sempadan agama, bangsa dan politik.

Akhir kata, selamat maju jaya untuk pasukan The Red Warriors. Aku jangkakan Kelantan menang 2-1.

10 Ways to Trick Yourself Into Saving

Yahoo Finance produced a very interesting article about people and the tricks to help them in making the saving. I would like to share with you all the tricks and my own experience about it. According to Encik Azizi Ali – the famous Financial Planner/Consultant and book writer – i was attended his seminar about 3 years ago, he said we MUST have 10% of our paycheck (salary) every month as a fixed saving. Honestly, i saved a minimum of RM380 every month as my fixed saving and it is working. Make me feel comfortable, secure and well-planned for any contingencies. So, here we go. 10 ways to tricks yourself into saving :

1. Know your plastic personality. Disciplined credit-card holders can earn rewards points by using their cards for all their purchases and paying the bills in full each month. Consumers with less self-control may want to use debit cards to make sure that they don't spend more than they have. In either case, your monthly statement provides a handy record of areas where you're leaking cash.

2. Don't trust yourself to pay yourself first. Instead, have someone else do it for you. Sign up for your employer's retirement plan. Set up an automatic deposit with your bank to seed your emergency fund.

3. Deposit your paycheck and other money to your savings account instead of checking. You're much less likely to spend the money if you have to transfer it from savings. Yes, you can use non-ATM card savings/investments account like Tabung Haji and ASB.

4.  Limit yourself to one ATM withdrawal per week and make your money last. You can plan the amount for the withdrawal by comparing your spending. Save more money when less money in hand!

5. When you make a credit-card purchase, record it immediately in your checking-account register. You won't be surprised when the credit-card bill arrives, and you will have enough money to pay it in full. You can use a planner, Blackberry, Phone Organizer or Diary to record all the transactions. Sound a little bit annoying to use all the staff right?! Believe me, it is working because you always know and remember how much you are already spent.

6. When you subtract a check from your account, round up the amount to the next dollar. That way, you'll always have a slush fund. Your bank may even do this for you. Sounds like small potatoes, but even if it's only RM100 every couple of months, that's still money in the bank.

7. Toss your spare change into a fun savings bank or glass jar -- anything that will catch your eye and your quarters. I know one person who accumulates RM900 to RM1,000 a year this way and uses the money to buy the gifts. Imagine – I’ve around RM100 coins collection in the end of every month, the change from toll, groceries, foods etc.

8. Bag the savings from brown-bag lunches. Each time you bring your lunch to work or pass up the temptation to buy a latte, take the money you would have spent and put it in your cash jar. It's an immediate reward for your self-discipline. Honestly, this trick doesn't work much for me. I will use the money for another things before it can be out in my drawer. Sad!

9. Pay yourself after you've paid off a debt. Once you finish paying off a loan or credit-card balance, keep writing the check but send it directly to a savings or investment account. You work so hard to gain the money with the huge paycheck. So, it is important to pay yourself with it. Only pay for yourself needs, not everything for yourself wants!

10. Can't decide between two items in a store? Give yourself a cooling-off period. Chances are you won't go back. I believe this is very easy for a man like me. I almost never have a problem in deciding to choose between two items in a store. But, when you face this situation you surely can use this tips.

Remember, if money is power, then saving money is empowering. It gives you financial security and the freedom to make choices. Every once in a while I tap my own slush fund to send my three grown children checks to treat themselves to dinner. They appreciate the gesture and I have fun making it.

Sources : Yahoo Finance and my own experiences/readings.

Investment Decision – Politic-Economic View

Here we go..a lot of my friends asked me about the opportunities in doing the investment. I am BBA Finance degree holder and CFA Level 1 member, but it doesn't mean that i am expertise in investment matters. Yeahh…i admit it i was involved in FX trading, and still on it until now. I made a lot of profits, but when market against my decisions – the losses came above my profits! Oooucchh..it is very hurt! Hehehe..Take it or leave it! It is the EXPERIENCES!

Forget about my FX! I would like to share with you the basic view in investment decision. I mean, where the best place (instrument) you can invest with the right time and the right place. As we know, in Malaysia, we have too much money instrument a.k.a financial instrument a.k.a investment instrument. Bumiputra (usually refer to Malays) are very famous for ASB. Why ASB? Because it is well-known for higher return in dividend and bonus payout every year. ASB can give you a double return in every 6.7 to 7 years for your investment. (e;g : You put RM100k in ASB and don’t touch it. Wait for 6-7 years and your money will be double to RM200k). Hehehe..not many people know about it right?

Other financial instruments – we have Stocks, Unit Trust, Bonds, Cagamas, Derivatives (Futures etc), Gold and Property. Of course there are others – you can ask Mr. Google for it. ;)

  Politic-Economic Quadrant

What you can see above is an illustration of Politic-Economic Quadrant. It is same understanding with other quadrant you have before – Important-Urgent Quad, MATRIX etc. There are straight understanding for the PE Quad above. When the right time to invest for the right instrument. Everybody used to have an economy knowledge and they think it is crucial to have a lot of readings about the politics, to support their investment decision. Yeahh..Economy?Politic? Both are important. But when the exact time to enter the market and start the investment account? Don’t ask me for it. It is your natural skill – research, information, experiences, and luck! And the rest – profits or losses.

Thank for reading guys! Text or leave a comments if you have anything to say ;)

Top 5 Tips to Build Wealth and Success

Warren Buffett is worth $45 billion. That wealth isn't only a factor of savvy investing and good business — the "Oracle of Omaha" is also known as a penny pincher. Buffett still lives in the same Omaha, Neb., home he bought in 1958 for $31,500.

Follow his frugal formula, and you too may wind up with a lot more money than you ever dreamed.

This week Financially Fit covers five tips to build wealth and success.

1. Live Below Your Means.
Being wealthy isn't just a product of your salary or investment prowess; it's learning how to save.

"We can make a lot of money, you can make a little bit of money, but the second you spend all the money is when people get into trouble. Saving is the key to preserving your wealth," says Ed Butowsky, managing partner of Chapwood Capital Investment Management, a firm that manages money for wealthy individuals.

As many Americans realized during the booming real estate market, just because you think you can afford something doesn't mean you should buy it. Keeping an eye on your bottom line will pay dividends over the long term.

2. Bounce Back From Defeat
With nearly 15 million workers unemployed right now in the U.S., it's easy to get discouraged. Don't! Most successful and wealthy people have overcome obstacles and failure along the way. Steve Jobs was ousted from Apple when he was 30. Today, he's a billionaire and a legend. Plus, after getting fired, he created another billion-dollar media company, Pixar.

"Bouncing back from defeat is something all great achievers have. They have this undying belief good things will happen and will continue to happen," says Butowsky.

Take Michael Jordan. "His airness" was cut from his high school basketball team. Motivated by the rejection, Jordan became a star the next season. The rest is history.

3. Self-Promote
Regardless of the profession, the rich and successful tend to have a strong sense of self-worth — key to skillfully navigating an upward career path. Mark Hurd, who was ousted as CEO of Hewlett-Packard in August, couldn't be kept down for long. Using his business skills and connections, in September, Hurd was named president of Oracle. (Hurd and Oracle founder Larry Ellison are known to be close friends.)

4. Have Street Smarts
Bernie Madoff lived the high life for decades, scamming unsuspecting clients, with a money-making formula that proved too good to be true. Only afterward did we learn that with a little due diligence, most clients could have easily uncovered the fraud.

But it's not only the swindlers and the con men you have to watch out for. Many times, friends and family take advantage of the rich. Whether it's a handout or an investment idea, Butowsky advises his high net worth clients that in most cases, it's wisest to just say "no." The best way to do that: have someone else do it for you.

"You need to really set up a wall between you and your family," he advises. "If you don't want to give them (family or friends) money ... saying no is probably a good idea."

5. Buy Cheap
The rich can afford to splurge, but that doesn't mean they do.

John Paulson, a billionaire hedge fund manager, bought his Hamptons "dream house at a bargain basement price," according to Greg Zuckerman, author of the Paulson-based book, "The Greatest Trade Ever." The story has it that Paulson eyed the home while it was in foreclosure. Finally, on a rain-soaked day, he purchased the home on the Southampton town hall steps. He was the only bidder.

On New York City's Upper East Side, Michael's— The Consignment Shop for Women— has been a bargain-hunting destination for more than 60 years. "We have a good percentage of women who can afford to shop on Madison Avenue but really like the idea of saving that money," says proprietor Tammy Gates.

From Chanel to Gucci and Louis Vuitton, the store specializes in high-end designer merchandise for a reasonable price. Speaking of her clientele, Gates says, "they're wealthy for a reason. They recognize that bargains keep people wealthy. Paying top dollar when you don't have to doesn't make sense."

Sources : Yahoo Finance ; Peter Gorenstein and Farnoosh Torabi
Tuesday, October 5, 2010