PERMULAAN YANG BARU/ THE NEW BEGINNING

SELAMAT TAHUN BARU 2011

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HAPPY NEW YEAR 2011

HAPPY BIRTHDAY MUHAMMAD AMIRULNAIM

HAPPY BIRTHDAY TO ME

NOW I'M PROUDLY 20 YEARS OLD AND I MATURED ENOUGH

THANKS TO ALL PEOPLES THAT WISHED TO ME

I REALLY APPRECIATE IT

MAY ALLAH ALWAYS BLESS ME, YOU AND MUSLIMS ALL OVER THE WORLD

~AMIN YA RABBAL ALAMIN~

~~~remember me this way!!!

Every now and then
We find a special friend
Who never lets us down

Who understands it all
Reaches out each time you fall
You're the best friend that i've found

I know that you can't stay
A part of you will never ever go away
Your heart will stay

I'll make a wish for you
And hope it will come true
That life would just be kind
To such a gentle mind
If you lose your way
Think back on yesterday
Remember me this way

I don't need eyes to see
The love you bring to me
No matter where I go

And I know that you'll be there
Forever more a part of me, you're everywhere
I'll always care

And I'll be right behind your shoulder watching you
I'll be standing by your side in all you do
And I won't ever leave
As long as you believe
You just believe

6 DANGERS OF USING A DEBIT CARD

talk about debit card, it is not like credit card. credit card need the user to pay after the period that they have fix. it usually payed every month. it different with debit card, when the user use debit card, it will deduct the amount of money in our account.

btw, i am one of the user of debit card. it easy to me especially for shopping. it don't  need me to withdrawal the money that can make my wallet look thick.

this is one of debit card that is Maybank Visa Debit card that used by me

 go to my topic, actually i've got this article from http://uk.finance.yahoo.com/news/6-dangers-using-debit-card-yahoofinanceuk-1457504971.html written by Rachel Wait.

These days, it's so easy to pay for everything using your debit card rather than carrying around a wallet full of cash. And for many of us, paying with a debit card is preferential to racking up debt on a credit card.

Unfortunately, however, paying by debit card doesn't come without its disadvantages — as I'm about to reveal.

1. Extra charges

If you're planning to pay for something using your debit card, watch out for minimum spending limits at certain retailers and bars. Sometimes you'll find that you have to spend at least £10 to be able to use your debit card and if you don't, you'll be charged a fee. So you'll either have to pay this fee or spend extra money anyway to avoid being charged.

What's more, if you're using a debit card instead of a credit card as a deposit for a hotel room (although not all places will let you do this), the hotel will freeze a sum of money on your debit card as protection (in case you go crazy when you see the minibar, for example).

This means you won't have access to this money and should you need to pay for something else while that money is being held on your card, you could be forced to go into your overdraft. And as a result, you could end up forking out hefty overdraft fees. Even if this money is later returned to you, it can take several days for the money to be released into your account.

So if you are going to use your debit card, make sure you have sufficient funds in your account to cover you.

2. Losing track

Unless you keep a very close eye on your bank statements, it can be easy to lose track of exactly what you're spending where if you always pay by debit card.

This may mean you end up spending more than you realize, which again, may take you into your overdraft and could result in you racking up a lot in fees.

So make sure you keep a close eye on all your transactions and set yourself a budget so that you don't end up going into the red.

3. Less protection

When paying by credit card, you generally receive the bill for your purchases several weeks later. This gives you the opportunity to check your bill carefully for any mistakes before paying up.

Should there have been a problem with your purchase — perhaps the item you bought was damaged, for example — you'll also be able to dispute it.

If you've spent between £100 and £30,000 on your credit card, you'll have the added protection of Section 75 of the Consumer Credit Act. This means that if the contract you have with the supplier is breached and you're not satisfied, you may be entitled to a refund.

However, with a debit card, the money is taken instantly and you don't have this level of protection. This means that should you need to have a dispute with a merchant about your purchase, you may have to fight hard to get your money back.

That said, there is also a form of protection for Visa debit cards known as the Visa debit chargeback scheme. But it's far more limited than Section 75.

4. Skimming

Using a debit card also makes you more susceptible to a fraudulent practice known as skimming. The most common form of skimming occurs when you use an ATM and don't realize a false front has been attached to the card reader — where you insert your card. This then captures your card number and transmits it wirelessly to someone waiting nearby.

A hidden camera is also likely to be attached to the machine and will capture your PIN when you enter it. Criminals can then make a copy of your card and use it, along with the PIN to withdraw money and buy goods.

So make sure you keep your wits about you when you use any ATM and if it looks dodgy, use a different one. And don't forget to always cover the keypad as you enter your PIN to prevent anyone (or any cameras) from seeing it.

5. Won't build up your credit score

If you're trying to build up your credit score, spending with a debit card won't help you. Unlike with a credit card, any transactions you make with your debit card won't be reported to credit agencies.

If you've never applied for credit, your credit history will be blank. Although you may think this is OK, in fact it's not because there's no evidence that you can 'handle credit responsibly'. And this means lenders won't feel as comfortable lending to you as to someone with a good credit history.

As a result, if you later need to apply for credit — perhaps because you want to take out a mortgage, for example — you may find it difficult.

6. Fewer benefits

If you're always spending on a debit card rather than a credit card, you could be losing out. That's because many credit cards offer rewards such as cashback deals and airmiles. For example, the American Express Platinum Cashback Card offers 5% cashback in the first three months (up to £100) and up to 1.25% cashback after that.

So if you religiously pay off your balance in full each month, receiving these rewards can be well worth it! (Just make sure you do clear your balance in full every single month to avoid being hit with a high rate of interest.)

So next time you go to pay by debit card, think carefully about whether there's a better alternative.

berakhir sudah perjuangan

sebenar nye x de la ape sangat pejuangan nye.. btw, sem part 4 telah aku akhiri dgn jaye nye pada 11/11/2010..
tibe mase utk back to hometown.. hahaha.. pejalanan pada sem yg pnuh mmreit kan..
tp aku ttp dgn pendirian aku iaitu sabar
nk merungkai balek kenangan dari awal sem nih mmg byk kenangan suke duke..
but, i just kept myself.. zipppppp!!!

lastly aku harap pointer sem nih naek medadak.. Insyaallah dgn izin-Nya..

*kwn2 semue happy sem break okay!!! maaf kalu ade salah silap sem nih okay.. i just human being..

EXAM MOOD~~~

pejam celik dh nk final rupenye.. tp preparation still 0%... hahahaha.. btw, nk dekat2 exam ni la mcm2 penyakit dtg menyerang.. seleseme, demam, batuk +++.. arap2 x ggu nk exam.. exam ak start 25/10-11/11.. tarikh keramat tuh.. *sob2 nk dekan kot.. ngeee~~~ as usually bile dh last2 minit nih bku bkn jadi peneman tp kertas soalan past year yg akan jd kwn baek sblm ke final.. mane la tua kot2 mengene coz soalan die putaq2 kot tuh jgk.. 

insyaAllah ak akan cbe yg terbaek tk final nih dgn azam nk naek kan pointer ngan cgpa yg jatuh menjunam.. Amin..

ak doakan kite semue berjaye, kot2 sme dpt dekan.. inSyaAllah.. even itg lok impossible but make it possible okay

~~~~chill~~~~

assignment!!!

talk bout assgnmnt..

sume org ade assgmnt kan.. ni pkare biase bg student

tp masalah nye, assgnmnt aku yg belambak nih nk kene submit mggu ni ngan mggu dpn

hahaha.. it sound crazy when u trying to finish da assgmnt in last minutes.

most of da assgmnt yg blm submit nih sume nye yg grouping..

but i am very lucky coz have group members that helping & cooperate each other.

nk ujung2 sem ni masing2 assgmnt ngan presentation sblm nk final 25/10/2010 nih

target aku nk cpt kan siap sume assgnmnt ngan presentation.. ngee~~~

as usually for every sem, stiap study week aku balek.. waaaaa!!!

2 mggu lagi je.....

...............CHEERSSSSSS............