GREAT EASTERN TAKAFUL FINANCIAL ADVISOR

FINANCIAL PLANNER

Memang dari kecil saya suka maths..dan berkaitan dengan no...so..memag betul org kata kalo cita  cita kita jadi dr haiwan, x jadi pun  tapi kita akan suka dgn haiwan...nak jadi businesswoman...

Start with as business planner/ business advisor since 2007 when i was  working at MMHE...Malaysia Marine Heavy Engineering Sdn Bhd..that time i was the 2ND YEAR working there at Pasir Gudang, as a Contract Administrator...so, nak cari part time...buatlah insurance GREAT EASTERN ...d bawah En Azrin,  GROUP ANNUAR AGENCY or AN NUR GROUP...office dulu kat Taman Cendana sekarag kat Sri Alam, Msai Johor.... till now, active as an agent GREAT EASTERN FINANCIAL ADVISOR...

  • Kenapa saya suka jadi GREAT EASTERN FINANCIAL ADVISOR...
  • a.suka jumpa org
  • b. suka bercakap
  • c.suka mengetahui kehidupan org dgn pelbagai  perancangan kewangan
  • d. dapat tambah side income dan bershopping..
  • e.dapat tambah ramai kawan
  • f. dapat tolong orang dan diri sendiri menguruskan masalah kewangan
  • g. dapat ilmu pengetahuan supaya TIPAH x tertipu!
  • i. financial freedom




 

Di Malaysia, industri ini sedang berkembang ...tetapi kadar peratus yang memiliki perlindungan hayat masih lagi rendah berbanding di negara China. Ini kerana kesedaran untuk memiliki perlindungan masih rendah terutamanyer orang Melayu... maaf yer...

Nanti saya akan kongsi bersama apakah perbezaan insurance  dengn takaful? Ada beza tau....

Pelbagai product takaful saya akan berkongsi dengan anda semua...perlindungan yang dijamin dan menarik!Apa yang dijamin? Apa yang MENARIK dan TERTARIK? 

Walaupun saya mempunyai latarbelakang yang berrlainan, tetapi  kerana saya minat untuk mengetahui bidang ini, dan saya sangat berbesar hati dapat berkongsi dengan  anda semua!apatah lagi menjadi customer saya!

Banyak perkara dan info penting saya ingin kongsikan dengan anda semua....pstt! TUNGGU YER.









HOME STAY IN JOHOR BHARU



D’ IRIS HOMESTAY PASIR GUDANG




Alhamdulillah...finally our dream comes true...after 4 years stayed MACAM BISKUT at No 34, Jalan Camar 2, Taman Scientex, Pasir Gudang, Johor.
Masa we all beli umah CAMAR ni, 6 months before getting married, is about  jan 2009...we all pikr drpd nak sewa so, we all cari terus umah sebab:





  •             Jimat dari menyewa bayar untuk harta sendiri
  •             Nk cr umah yg dah siap, no need to wait COMPLETION construction phase, so, nikah jer jun 2009, terus masuk umah..
  •            Umah mampu milik...x mahal sn gt...time tu survey area kat taman scientex jer...sebab bb dekat nak g keje kat SDE atau MMHE.kalo kota masai crowded sangat pulak  and heavy traffic...bukit dahlia... agak mahal  dan lease hold...dan umh sri alam pulak jauh ke dalam...jb..jauh snagt nak g keje and highway PG heavy traffic....so.. beli kat scientex...freehold and dekat dgn highway senai desaru.....kalo x duduk sini kami boleh sewakan student politeknik...umah camar yg kami beli tu..org tu x lepas loan, so kami grab  terus...umah yg sederhana  sahaja keluasannyer  16’ x 60’...ada tanah 10’ belakang...international lot and freehold..intermediate lot..
  •       Nak corner lot pulak...erm... BB...kan kita beli umah ni for temporary jer...so, x yah beli umah  yang  corner...masa tu agak murah untuk corner lot RM150K..dalam RM1K sebuln...msa tu i tengh final semester master kat UTM...so, bb...kita beli biasa biasa jerlah...nanti kita beli umah lain yer..hehehee itulah ceritanyer homestay D’Iiris ni......   Buat harta duniawi
      •        Harga hartanah semakain mahal, grab cepat
      •        Extra saving becoz , reduce monthly instalment
      •        Malas nak berpindah randah kalo menyew
      •         Boleh permenant deco deco..

CORAT CORET D’ IRIS HOMESTAY  RENOVATION PHASE 2010 & 2013


2010

EXTEND KITCHEN, WALL FINISHES, FENCING



Amat puashati walaupun kami x hire contractor...we all survey and beli barang sendiri and just upah Indonesian to renovate our house. Estimation done by ourselves...Alhamdulillh dgn ilmu QS yang seadanyer....
Just to share, wall finishes and materials we survey at Pasir Gudang ni, we go to the XXX ware house  and i heard there is another  warehouse ..... For the wall finishes,  we bought at XXXX near Giant Plentong. The price is cheaper than xxxx. Later i will share with u other places that offer competitive price!I still keep all billing for my reference...and a lot cheaper rather  than hire contractor...it s normallah businesskan...mestilah ada untung...we have time, can manage and we shall use our QS knowledge!

20
2013
UPSTAIR BALCONY 










Menarik Tertarik


D’ RATTAN AND WOOD GALLERY

This idea for on line business dah 3 tahun planning, x sempat nak buatmaklumlah since DAY 1 getting married, we are separate, weekend husband and wife......2009,  2010, 2012, 2013....tpi x on till now, December 2013, now is the right time,  ilham dan semangat dating semula....seriously......belek punyer belek rupanyer  business planning semua dah siap... tinggal revise and check again ...and to -redo the analysis, market survey, marketing, stratergy and financing etc...

So, from here, i think y not I AM SELLING online becoz people outside also might be the same position what i am thinking...want the quality products but with cheaper price....so y not??



Background of D’ RATTAN AND WOOD GALLERY:

  Sebab like natural view...thats y RATTAN  and WOOD
rumah pun sejuk...di tambah lagi dgn wall stone yg we all pasang kat umah camar tu...bila masuk umah memang terasa sejuk...x panas walaupun intermediate lot...
sibuluscombi, tiger pun senangnakasah kuku dia..hehe...maknayerkalodia TER asah kuku diatu, x rosaklah furniture kami
saya dah banyak survey furniture shop, FELLA DESIGN,  SSF,..RATTAN DECOR....and few shops at TAMAN MOLEK, JB and BANGSAR, DMANSARA..etc...harga memang x ingat...fikir 10x nakbeli..sayang duit..i have to find other alternative to get  my FOVOURITE FURNTRE...? LIGATLAH  berpikir.....alhamdulillah dapatlah idea.....start Survey punyer survey...finally nak beli satu rumah x termampu pulak..so, kami beliseperti yang kami advertise..although i am weekend wife, that time 2nd year stay kat umah, now is D’ IRIS HOMESTAY  camar tu..we order for few..set meja makan putih- material mahagony, gua tu...L shape sofa, corner rattan...itu pun asyik  revise 5x dgn supplier asyik bertukartukar order jer...heheh...biasalah pompuan..pilihan banyak sangt...umah pulak kecil...x tau yg mana satu nak ! erm..kalo belikat Malaysia mahu harga RM 20K...fuh....dapat jimat duit....set meja makan kat FELLA DESIGN TU RM 6000..haaaa...kat SS pulak, 1 kerusi sahaja  RM 1,100...hehehe...maubeliker?????Yerlah harga tu termasuk upah pekerja, sewa kedai, marketing, advertisement...ect..somahallahkan....???


                              

Ternanti nanti catalog dari D' Rattan kan? We are in the proces to compile the products...sabar yer! Bukan sahaja rattan...kepada yang berminat English STYLE...kami tidak menghampakan harapan anda...perabot PUTIH PUTIH MELATI.....untuk citarasa classic yang elegan pun ada...We will announce ...wait!


Koleksi D'Rattan yang mampu anda miliki dan TIP- TIP pembelian perabot





Masih ingat lagi our order from supplier arrived at Johor port took about 2 weeks to clear the tax...herm....finally arrived at  umah camar. That time i was at Teluk Ramunia, BB yang ada umah, so dialah yg uruskan semua sampai jarinyer terluka sebab nak bawa masuk GUA tu..our favourite landing theme park...sebelum beli tu check dimension cam boolek masuk...tp sebab body dia mengembang...so..x  dapat nak kempiskan x boleh..ada tulang belakang kat rattan tu...i force my BB bg masuk juga dlam umah...hehehe...akhirnyer  dapat masuk but Jari terkorban berdarah luka...
So u all, if nak order GUA tu, make sure umah ada sliding sebab size dia besar tau...x pun kene ada 2 daun pintu...yg ada 1 daun pintu u all x dapat masuk..put outside jerlah nampaknyer........




ROTAN?

Keratan akhbar:

"Mereka memilih perabot-perabot ini kerana mempunyai cita rasa yang tinggi, selain tertarik dengan dekorasi rotan yang mencetuskan suasana yang aman, selesa dan tenang. Mereka bagaikan berada di kawasan hutan tropika di dalam rumah sendiri," jelas ayah kepada dua orang anak itu. 


Ketahui 3 tip mudah penjagaan perabot rotan.
  •             Perabot rotan tahan pada iklim panas dan hujan. Sebolehnya elakkan perabot rotan berada dalam keadaan lembap atau tidak terdedah kepada cahaya matahari.
  •      Cuci perabot sekurang-kurangnya sebulan atau tiga bulan sekali menggunakan cecair atau sabun pembersih khas dan berus lembut untuk memastikan perabot tahan lama.
  •      Gunakan mesin hampa gas untuk mencuci kekotoran yang terlekat pada kusyen.


Background


D’ RATTAN AND WOOD GALLERY:

Sebab i like natural view...thats y RATTAN  and WOOD 
Rumah pun sejuk...di tambah lagi dgn wall stone yg we all pasang kat umah camar tu...bila masuk umah memang terasa sejuk...x panas walaupun intermediate lot...
   si bulus combi, tiger pun senang nak asah kuku dia..hehe...maknayer kalo dia TER asah kuku dia tu, x rosaklah furniture kami



            Sudah banyak survey furniture shop, FELLA DESIGN,  SSF,..RATTAN DECOR....and few shops at TAMAN MOLEK, JB and BANGSAR, DMANSARA..etc...harga memang x ingat...fikir 10x nak beli..sayang duit..i have to find other alternative to get the my FOVOURITE FURNTRE...? LIGATLAH  berpikir.....alhamdulillah dapatlah idea.....start Survey punyer survey...finally nak beli satu rumah x termampu pulak..so, kami beli seperti yang Kami advertise..although  i am weekend wife, that time 2nd year stay kat umah camar tu..we order for few..set meja makan putih- material mahagony, gua tu...L shape sofa, corner rattan...itupun asyik  revise 5x dgn supplier asyik bertukar tukar order jer...heheh...biasalah pompuan..pilihan banyak sangt...umah  pulak kecil...x atau yg mana satu nak ! erm..kalo beli kat Malaysia mahu harga RM 20K...fuh....dapat jimat duit....set meja makan kat FELLA DESIGN TU RM 6000..haaaa...kat SS pulak, 1 kerusi sahaja  RM 1,100...hehehe...mau beli ker????? Yerlah harga tu termasuk upah pekerja, sewa kedai, marketing, advertisement...ect..so mahal lah kan....???

Bila balik umah  although umah camar is our ‘umah persinggahan’ ..temporary house....sebab on and off jerk at umah camar, kami mahukan umah yg selesa di mata dan di hati...so... nak relaks macam kat dlm hutan..natural gitu gitu...




RATTAN?...CHECK IT OUT

Rattan definition from Wikipedia:
Rattan (from the Malay rotan) is the name for the roughly 600 species of palms in the tribe Calameae (Greek 'kálamos' = reed), native to tropical regions of Africa, Asia and Australasia.

Structure[edit]

Most ratans differ from other palms in having slender stems, 2–5 cm diameter, with long internodes between the leaves; also, they are nottrees but are vine-like, scrambling through and over other vegetation. Rattans are also superficially similar to bamboo. Unlike bamboo, rattan stems ("malacca") are solid, and most species need structural support and cannot stand on their own. However, some genera (e.g.Metroxylon, Pigafetta, Raphia) are more like typical palms, with stouter, erect trunks. Many rattans have spines which act as hooks to aid climbing over other plants, and to deter herbivores. Rattans have been known to grow up to hundreds of metres long. Most (70%) of the world's rattan population exist in Indonesia, distributed among Borneo, Sulawesi, Sumbawa islands. The rest of the world's supply comes from the Philippines, Sri Lanka, Malaysia and Bangladesh.

Processing[edit]

In forests where rattan grows, its economic value can help protect forest land, by providing an alternative to loggers who forgo timber logging and harvest rattan canes instead. Rattan is much easier to harvest, requires simpler tools and is much easier to transport. It also grows much faster than most tropical wood. This makes it a potential tool in forest maintenance, since it provides a profitable crop that depends on rather than replaces trees. It remains to be seen whether rattan can be as profitable or useful as the alternatives.[citation needed]
Generally, raw rattan is processed into several products to be used as materials in furniture making.[1] The various species of rattan range from several millimetres up to 5–7 cm in diameter. From a strand of rattan, the skin is usually peeled off, to be used as rattan weaving material. The remaining "core" of the rattan can be used for various purposes in furniture making. Rattan is a very good material mainly because it is lightweight, durable, and—to a certain extent—flexible.

Environmental issues[edit]

Rattans are threatened with overexploitation, as harvesters are cutting stems too young and reducing their ability to resprout.[2]Unsustainable harvesting of rattan can lead to forest degradation, affecting overall forest ecosystem services. Processing can also be polluting. The use of toxic chemicals and petrol in the processing of rattan affects soil, air and water resources, and also ultimately people's health. Meanwhile, the conventional method of rattan production is threatening the plant's long-term supply, and the income of workers.[3]

Uses[edit]

Chair, josephinism style, typical viennese, around 1780
A rattan chair
Indonesians making rattan furniture, circa 1948

Furniture making[edit]

Rattans are extensively used for making furniture and baskets. When cut into sections, rattan can be used as wood to make furniture. Rattan accepts paints and stains like many other kinds of wood, so it is available in many colours; and it can be worked into many styles. Moreover, the inner core can be separated and worked into wicker.

Handicraft and arts[edit]

Many of the properties of rattan that make it suitable for furniture also make it a popular choice for handicraft and art pieces. Uses include rattan baskets, plant containers and other decorative works.
Due to its durability and resistance to splintering, sections of rattan can be used as staves or canes for martial arts— 70 cm-long rattan sticks, called baston, are used in Filipino martial arts, especially Modern Arnis and Eskrima and for the striking weapons in the Society for Creative Anachronism's full-contact "heavy combat".[4][5]
Along with birch and bamboo, rattan is a common material used for the handles in percussion mallets, especially mallets for keyboard percussion (vibraphone, xylophone, marimba, etc.).
It is also used to make walking sticks and crooks for high-end umbrellas.

Rattan as a shelter material[edit]

Most natives or locals from the rattan rich countries employ the aid of this sturdy plant in their home building projects. It is heavily used as a housing material in the rural areas. The skin of the plant or wood is primarily used for weaving.[6]

Food source and medicinal potential[edit]

The fruit of some rattans exudes a red resin called dragon's blood. This resin was thought to have medicinal properties in antiquity and was also used as a dye for violins, among other things.[7] The resin normally results in a wood with a light peach hue. In the Indian state of Assam, the shoot is also used as vegetable.

Corporal punishment[edit]

Thin rattan canes were the standard implement for school corporal punishment in England and Wales, and are still used for this purpose in schools in Singapore, Malaysia and several African countries - and similar canes are used for military punishments in the Singapore Armed Forces,[8]
Heavier canes, also of rattan, are used for judicial corporal punishments in Malaysia, Singapore, and Brunei,[9]

Other uses[edit]

Traditionally the women of the Wemale ethnic group of Seram Island, Indonesia wore rattan girdles around their waist.[10]
In early 2010, scientists in Italy announced that rattan wood would be used in a new "wood to bone" process for the production of artificial bone. The process takes small pieces of rattan and places it in a furnace. Calcium and carbon are added. The wood is then further heated under intense pressure in another oven-like machine and a phosphate solution is introduced. This process produces almost an exact replica of bone material. The process takes about 10 days. At the time of the announcement the bone was being tested in sheep and there had been no signs of rejection. Particles from the sheep's bodies have migrated to the "wood bone" and formed long continuous bones. The new bone-from-wood programme is being funded by the European Union. Implants into humans are anticipated to start in 2015.[11]

References[edit]

  1. Jump up^ Rattan, Furniture. "Rattan Furniture". Retrieved 24 December 2011.
  2. Jump up^ MacKinnon, K. (1998) Sustainable use as a conservation tool in the forests of South-East Asia. Conservation of Biological Resources (E.J. Milner Gulland & R Mace, eds), pp 174–192. Blackwell Science, Oxford.
  3. Jump up^ "WWF Rattan Switch project". WWF. July 2010. Retrieved 16 July 2010.
  4. Jump up^ "What is the SCA?". Society for Creative Anachronism, Inc. Retrieved 14 July 2012. "Since we prefer that no one gets hurt, SCA combatants wear real armor and use rattan swords."
  5. Jump up^ "Marshals' Handbook". Society for Creative Anachronism. March 2007 revision. Retrieved 16 March 2010.
  6. Jump up^ All About Rattan at Rattancraft.com.
  7. Jump up^ "Rattan" at Encyclopedia.com.
  8. Jump up^ Singapore: Caning in the military forces at World Corporal Punishment Research (includes a photograph of a military caning in progress).
  9. Jump up^ Judicial caning in Singapore, Malaysia and Brunei at World Corporal Punishment Research.
  10. Jump up^ Jaqueline M. Piper, Bamboo and rattan, traditional uses and beliefs, Oxford Univ Press, 1995, ISBN 978-0195889987
  11. Jump up^ "Turning wood into bones". BBC News. 8 January 2010. Retrieved 22 May 2010.





IDEA D’ RATTAN AND WOOD GALLERY


D’ RATTAN AND WOOD GALLERY

This idea for on line business dah 3 tahun planning, x sempat nak buat maklumlah since DAY 1 getting married, we are separate, weekend husband and wife......2009,  2010, 2012 tpi x on till now, December 2013, ilham dan semangat datang semula....seriously......belek punyer belek rupanyer  business planning semua dah siap... tinggal revise and check again ...and to -redo the analysis, market survey, marketing, stratergy and financing etc...
So, from here, i think y not I AM SELLING online becoz people outside also might be the same position what i am thinking...want the quality products but with cheaper price..so y not?