Skim Pembiayaan Peningkatan Perniagaan SPPP

What is this? SPPP, ni sesapa nak buat pinjaman dari MARA buleh pegi pejabat MARA berdekatan...nak tahu di mana? Sila buat research sendiri, kalau makan suap sampai bila tak berjaya.

Buleh pinjam sampai setengah juta lu tau tak...untuk bumiputra sahaja. Sorry yer 1 Malaysia not applicable.
Lagi, syarat kelayakan:
1. Warganegara Malaysia bumiputra 18tahun ++.
2. Berpengalaman/Berpengetahuan dalam bidang perniagaan diceburi.
3. Ada lesen/permit/surat kebenaran pihak berkuasa untuk menjalankan perniagaan tersebut.
4. Dapat menyumbangkan modal 10% dari kos projek.
5. Usahawan melibatkan diri sepenuh masa dalam perniagaan - kalau sambil menyelam minum air tak payah  
   tamak.
6. Telah berniaga lebih 6 bulan.
7. Ada premis perniagaan sendiri atau disewa. Perlu kemukakan surat perjanjian sewa yang dimati setem.
8. Lulus ujian Psikometri (akan dikendalikan oleh MARA).

Kadar faedah 4% setahun yer kawan-kawan usahawan...murah sangat kalau dibandingkan oleh bank. Bank nak cagaran lagi, bank statement lagi, bisnes plan...yang ni kalau nak pinjam lebih 50K barula perlu kertas kerja.

Bajetku dah siap, anggaran berapa nak pinjam dah ada...

Walaupun aku semua checked kecuali yang no 8...(itu kalau semua dah settle baru akan dijalankan).
Naluriku  berkata, 'Tak payah...'

Patut ke buat pinjaman perniagaan?

Sebenarnya ku di dalam dilema....
Teringin nak majukan perniagaan dengan cepat.
Tapi, limited funds. With more funds, I can upgrade more stocks in my shop..hire 2employees which must be a housewife or single moms, move to new strategic location, expand services...I know I will succeed.

Tapi kalau buat pinjaman, nanti terbeban nak bayaq bulanan...biz ok no hal, biz slowmo? mampus.
Silap-silap bengkrap.

Tapi, kalau nak berjaya kena ambil risiko. Kalau saya tunggu, biz saya sekarang ok, cuma lambat sikit...

Mak macam tak berapa suka...biasalah orang tua kan. Satgi ada 'riba' la pulak...
Hubby pula haritu kata kalau nak berjaya kenalah buat pinjaman, tapi tadi bagitau dia kata nak buat pinjaman,
dia kata; "nanti hidup dalam hutang"...aiyoh!!!

Aku memang eligible untuk loan Mara ni. Insyallah dapat...cuma fikir nak ke tak?
Apa-apapun buat budget survival two years...

Tengok member dalam Fb, ramai yang duk pi program Dr. Azizan yang ntah apa2 tue...pastu bergamboler beramai-ramai...kita boleh...kita boleh kaya... - tu dah salah konsep tu...nak kaya.

Yang kaya si polan yang pakai baju askar tu la. Sebab you all bayaq yuran nak tengok dia bebel...suka hati you all. Kalau bejaya Alhamdulillah. Aku memang tak pi benda karut macam ni. Kalau nak buat, just do it...
You have idea, you have will - just go for it...!!! tak yah nak pi kursus keusahawanan la, kursus hias tingkap la, oklah nak dapat ilmu tapi ku tak suka buang masa cenggitu. Duit buleh di cari tapi masa? Baik luangkan masa dengan anak-anak...kan?

I am proud to be SAHM

What is SAHM?
Stay At Home Mom

Today, I feel proud to be one.
I can take care of my children myself.
If anything happens, it will be under my supervision and my responsibility...not others.
For example: the collar bone case during our holiday?

Today, I feel sad coz I watched this video showing a woman abusing a baby...together the moms shared on FB and eventually the video was shared/sent to the police. I really hope the culprit would be brought to justice. I feel like throwing rotten eggs to that woman...really spoiled my mood coz the video repeatedly playing again and again in my head.

I am happy coz I can take care of my own children under my nose. Never mind that I am super duper 'garang' (what we call garang in English?). I will never let that kind of thing(s) happen to my kids. We will never know how good someone else takes care of our child... It won't be as good as us the mother.

:) I believe Allah will take care of that...
http://mynewshub.my/2012/05/09/video-apabila-kanak-kanak-didera-zalim/

My Samsung Galaxy Tab 10.1

Apa nak buat kalau mic rosak? Tak buleh main talking cat dan record video or google voice search?

-Hantar servis. Lepas servis my SGT takde masalah. Takde lagi masalah 'hang', masalah tak leh detect wifi secara automatik, dan takde lagi masalah bengong tak tentu hala. Interface/software pun dah update. 

Apa nak buat jika Samsung Galaxy Tab 10.1 cannot detect sim card?

-Ni lah masalah aku sekarang!!!!! Tensi tau. Segalanya terjadi lepas hantar servis mic rosak...Sesuka hati reboot pastu dah naik tanda 'no sim card'...then kena tutup off tablet dan cabut sim card, then masukkan balik.

Mula-mula jarang-jarang...tapi lama-lama sehari 2-3-4 lima kali...tensi beb especially tengah wifi toggle dan bebudak tengah rancak main tablet...kita pula duk tunggu email penting. 

-Forum kata: 

1) insert the sim card correctly sampai bunyi 'click'.------> dahlah. Takkan bodo sangat kot?

2) the sim card might be dirty with thumb print...Maybe, since it started after the service.

3) the sim slot maybe corrupted or damaged... kena hantar servis lagi. NOOOOOOOOOOO!!!!!!!!

Takpelah, I love my SGT. Bebaru ni belikan ipad 3 tuk mak. Banyaknya benda takde...especially widgets. Then I know that mine is much better than ipad.......once go android cannot turn apple that's for sure.

UPDATE: Betul, sila wipe sim card anda. Mine, after i wiped....TADA!!!! no more problemo :)))))

Pasar Malam

Saya tak suka pergi pasar malam.

Dulu ok jer, setiap minggu pergi, beli lauk, makanan, macam-macam boleh beli di situ.

Segalanya bermula setelah mengandung...tak boleh hidu asap dan bersesak. Tau sajalah bila preggie, hidung jadi sensitif, tesco pun tak jejak sebab bau ikan...ha ha ha

Dah lama gila tak gi pasar malam...lebih kurang 2 tahun. ada sebab lain rupanya selain tak suka asap dan kesesakan bau peluh orang ramai di situ...

Semalam pegilah...kat Jawi Perlis nie...saya di kampung hubby. Bukan apa, dah ajak dia kuar C-mart, nak beli kasut si Adelina ni. As usual, hubby akan tidur jer bila di kampung ni. Bosan betullah...

Dah petang...takpelah, jom gi pasar malam, buleh cari makanan dan kasut adik. Tak perlulah mak mertua masak. Saya memang tak masak kat kampung kecuali untuk anak-anak jer.

Saya beli mee kuah, satyy daging & ayam, hubby beli pulut durian, lagi beli ayam goreng...lima ketul RM16.00 (mahalnya kalah KFC)!!! Mak mertua macam biasalah pi beli barang basah...ikan, ayam...sayur.

Kasut adik, dapatlah 2 pasang.

Tak sabarnya nak makan...sekali mee kuah rasa hampeh!!!! Makan sikit jer, kalau makan habis dijamin sakit perut. Satay boleh tahanlah. As usual, satay daging akan guna daging import... ayam goreng ok, Adam makan seketul, saya pun ngap seketul dalam keter. Hubby makan pulut durian...terus mabuk sampai tengahari esoknya iaitu hari ini...masih sakit perut, angin satu badan...asal balik kampung, mesti sakit...

Kan dia cuti Wesak ganti hari Isnin esok? Dia nak balik esok, saya nak balik harini...esok banyak kerja kedai, Adam pun dah ponteng harini, takkan nak ponteng esok lagi?...last week dah ponteng seminggu...

So, kat pasar malam, kecuali you betul-betul selalu pergi dan tau mana nak beli makanan sedap...ok. Kalau main terjun beli...banyak yang membazir sebab akan masuk tong jer...tak pun keracunan makanan. 

Baru teringat sebab-sebab tak pi pasar malam: makanan tak sedap mana pun...

Rindu...

Missing blogging.
As usual after travelling, lots of things to be done like washing loads loads of laundry.
Unpacking...adjusting to normal life.
I love travelling but...really-la, drain all my money. I need to clear CC debts after travelling...
Money in banks also...down down down.

Actually, last night I noticed that Baya supermom blogs have been updated saying 'bye'. Clicked - no more. What happened? I did not jotted down her new blog add. Yes, I m gonna miss her. Anybody has her blog add please let me know.

Mommies who is staying at home like me, or have kids with learning disabilities, feel free to leave your blog add here at the comment section. If I think you are somewhat like me...yes I would list your blog here so that sahm like me can read and share their life and bla bla here.
If you are working mom, also fine...
If you are work at home mom also (also somewhat like me...) just fine...
If you bring your kids to work also (just like me)...great!
I want to know.. who else out there - like me.

Here I do not insert 'shout box' or 'email me' coz I hate spammers.
Okies...

SingApore pictures- Universal Studio, Underwater World, Clarke Quay, Nite Safari