Multiplying wealth

What do you do when you get your first big fat bonus? Okay, not necessary big bonus, as long as you have extra money in the bank, what do you do with it?

Have you noticed that how money makes money? Ibu and I had always talked about this because you can see the richer getting richer because they ensure the money that they have will make more money for them in the long run. Like when a man starts an airline business, he furthers it to owning a football club in one of the most important Premiere Legue, start affordable hotel line around the world and the list goes on (sounds familiar?)

So, let's us all discuss and share, how do and don't we multiply our wealth (regardless of how much do you have in your account now):

One : Save up. We sometimes forget the basic and foundation of multiplying of wealth. We usually save our money to saving account since our monthly salary is being credited to it. Some people have current account, especially those with run business, where you can have the cheque book and of course a fix deposit. An account that requires you to save a specific amount of money on a specific duration. The bank will give you back the money with spefic amount of dividends in return. Of course both saving and current account would also give you some dividends, but not as much as fix deposit.

Two : Invest. There are many forms investment. I am sure, most of us are familiar with Amanah Saham Bumiputra (ASB), Amanah Saham Nasional (ASN) (and its other fund) and on the very recent,  Amanah Saham Hartanah (ASH). Next, there are specific Unit Trust Fund that you can also invest in. Seek for good advice from the best agent, they will be able to facilitate you. Even KWSP had allow the our first account to be invest to specific fund.

So, KWSP will send you acknowledgement that an agreed amount in your first account is being used for the  specific unit trust for investment.

And your agent will send you details on them

The same goes with AHB, they do not have saving book as ABS, so they will send you details on your investment

Three : Gold/Silver investment. I am not really familiar with silver investment but nowadays, there are many type of gold investment. Other that physical gold in form of wafer, coins, bars, you can also invest in gold account where you saving is base in the daily price of international gold. Now, most bank institutional are also offering their `local' gold wafer and bar and they offer you to save keep you invested gold. Not only the pattern of the engraved wafer is unique, it is also safer.

Four : Property.My favorite topic! I know many people who starts the property investment on auction properties. I know one friend who is owning 6 auctions properties that when he re-finance all the houses, he gets an amount of money to start a new business. I know an agent that owns nearly 30 properties at Denai Alam, and he basically lives with selling them.

Five : Land investment. Something that I have learnt on very recent. One of our friends had share on how he invested on land property. Basically, he bought an acre or two of land and divided the land to a few lots. The lots are being sold to to individual, to build individual property (house). The concept is quite same to property investment, but my friend punya ayat mmg best, takdela hari ni kita tidur, esok tanah rumah kita bertambah 1 meter,kan? What he's trying to say is land property is not something which akan bertambah, semakin berkurang, so the value is higher.

Six : Insurance. There are many type insurance, life, health, education, you name it. A long term saving for future benefits.

Seven : Starts a business. There are many online business that we have seen on the net. I know a few friends who are taking orders to design dulang hantaran, preparing candy buffet and so many others. There are many people who are looking for any sorts of services and stuff, you just have to show other people of what you can do!

And of course ultimately, the best way to multiply your wealth is through zakat and sedekah. Nothing can defeats that. The reason we multiply our wealth is also to ensure that we can share our wealth with others. Ayah always said, duit yang masuk dalam akaun kita setiap bulan tu, bukan semuanya milik kita. Kadang-kadang kita ni pengagih je. Ha, makan dalam tak? Hehehe!

And, how about the other way around? What we shouldn't do in managing wealth?

One : Unnecessary liability. Of course, this is individual view. But, for me, car is a liability. Unless, you are earning so much more than your monthly expenses, yeah, spend them on your car. But, if it is your first salary, you do not own any feasible asset or fund, `investing' it on expensive car, does not help. 

Two : Apply for personal loan. Be very smart with personal loan. Remember, money makes money? If you apply for personal loan to invest into something definite such as starting a business or your first time to buy an auction property etc, that's cool (but you still need to really study whether the dividend or keuntungan outweigh the interest from the personal loan). Not for shopping or to pay your amounting credit cards.

Three : Credit cards. Do we really have to talk about this?

As conclusion, I do not believe in short cuts or too good to be true investment offers/proposals. Be smart, read, ask and share. Most of our people, we have always dengar cerita org je, have no effort to read and ask for information from the right source. At the end of the day, we start pointing finger to others. So, think about it.

I am not an expert tau, what I am doing is just sharing my knowledge and what I know from reading and discussing with some good friends. And of course, you are invited to share your knowledge too! Please do =)

Hanie Adzman



This little evil in me ;p

Alhamdulillah, I have started to feel that my hard works really paid off. This month’s Premium Beautiful bonus had helped me to settle two of my credit cards debt worth of 6k, thank you Allah.

Yes, for an individual like me, who had a gunung of credit card debt, this is a whole load relief. Finally I have the taste of my own money to be spent wisely (instead of asyik kena bayar hutang kredit kad ;P), no more signatures on a piece of small paper which signifies a transaction. Yes, this is a real relief.

I have problems with credit card. Every time I did one transaction, I will tell myself, “It is ok. Will pay this next month’s salary” or “Will not swipe until I settle this transaction” etc. Totally lying, kan? It became worse when I had to swipe them to buy online flight tickets when Hazeman was in Kuching. I literally bought every weekends tickets plus when they are selling cheap i.e. RM 18- two ways. One time I had to withdraw my savings to settle the debts. Gosh, it was horrifying, macam zaman Dark Ages, seriously! I just had to get rid of them, by hook or by crook. This month swipe 1k, pay minimal amount, next month swipe RM 500, pay minimal amount. By 6 months, total debt RM 5xxx! Owh, now I am in real trouble!

But don’t get me wrong. Credit cards are not monster, unless not to individual who can think wisely before he proceeds with any credit transaction (which is not me). It’s like temptation vs. reality. It’s like looking at positive view vs. don’t look it into any view!

Tapi, sebenarnya if you are a wise people, with the highest inner strength to fight this little evil within you, then credit cards can be one of your best friends.  Let me provide you with some good info on credit cards, hehehe!

a)      My mother- she uses credit card very wisely (yes apart from she has more salary than I have + she has less financial commitment now). She basically will swipe 1 stuff that she wants so much which is costly i.e. her Fella Design make up table or her leather handbag which I don’t remember its brand which cost more than RM 1k. She will keep that credit card until she settled that particularly transaction; which means, before she swipe on another transaction, she will ensure she has no remaining credit. Yes, this is one very strong woman (with the strongest inner strength, hehehe!)

b)      Have you heard about Balance Transfer program? If you go to the bank, they will mention BT. I have used a few credit cards, most of them have BT program. This is a program which enables you to settle credits without any additional interest (apart from what you agreed upon, and it is a one time charge). For example for Maybank. They have a few program, 6 months-0%, 12 months-1% etc. So, if you have a debt of RM 3k and you kept paying minimum payment because you can’t afford to pay higher amount, it gives you an amount which you feel easy to pay without any other interest other than the one time interest/ charge.

Credit limit = RM 5000

Debt = RM 3000

You want to pay it for 24 months.

I.e. Bank A 24months; interest is 3%/per annum.

So, 3% x RM 3000 x 2 years= RM 180 (this is a 1 time interest) + RM 3000 (your debt)

= RM 3180 / 24 months

= RM 132.50 (monthly)

So, you are paying RM 132.50 for the next 24 months, and debt is gone =)

The best part is your credit card remaining credit (useable/swipeable credit) is RM 1820 (RM 5000 (credit limit) minus RM 3180 (your 24 months debt) until you finish that 24 months installment, so you will not able to do any transaction more than RM 1820 for the next 2 years hehehe! Selamat.. ;D. And yes, you must do the exact payment every month or else you will also get the penalty charge - 18% per annum (what do you expect la?). So, once you have a BT in your bill, keep the credit card in your refrigerator (bhgn yang sejuk beku tu) and only take it out after your BT is done,ok? Hahaha!

Disclaimer: Not every bank will have the same charges/ calculations. Certain bank will charge you on the interest that they mention to your remaining balance which I don’t like. So, please get proper advice from respective bank. I always opt for Maybank because of their easy peesy procedure, hehehe!

(p/s- Some of my Premium Beautiful customers used this privilege to purchase Premium Beautiful corset. So, they can do installment with the bank and enjoy the Premium Beautiful corset at ease =) Contact me for detailed information)

c)       Do you know that some credit cards offer you valuable points that changeable to vouchers and stuff that might be useable to you? Again, I am a Maybank credit card user so I love Treat Points (TP) that they gave me. Last month, I had my TP changed to Metrojaya voucher and I bought the whole set of my skincare Clinique at half price, yay! Some of my friends change it to perfume, Smartag etc. So we are actually saving while shopping credit card, hehe! If you are using Petronas as fuel for your car, opt for Petronas Ikhwan Visa credit card, you get to have more TP by using it. I have friends who swipe the credit card, and withdraw his money to pay the transaction on the very next day for the sake to collect the treat points, hehehe!

My skincare line ;p

Cukuplah 3 points,kan? Nanti other people think it’s a good choice to opt for credit cards pulak, hehehe! But, if you are a constant traveler like most of my friends who always had to travel with their athletes, especially to over the sea; then it is recommended for you to have at least one. You have no idea what will happen to you while you’re traveling, so this little piece credit card will be very helpful. But, of course don’t forget to inform your banker that you will do transaction from the countries that you are visiting then balik tu, terus bayar hutang-hutang tu tau! Hehehe!

Informative tak this post? I hope it does because sharing is caring,hehe!

Hanie Adzman

Dare to dream.

I couldn't sleep last Saturday, my heart was pumping hard and I felt like I was sleeping on the wrong side of bed and I woke up at 6am (which was bizarre since it was Saturday, people!).

Subuh done, then open my notebook, looked through my slides for the one thousand six hundred and forty-six times to ensure everything looked fine. No silly spelling mistake or sentence, checked for quotes and references. It felt as if I was going through my second Viva. God, my hands were shaking and palm was sweating!

I was ready and all by 8.30am, and left home to my destination. God, heavy traffic along Federal Highway! It was 8.45 am, Saturday la, for God's sake!

I reach my destination at 10am when I was suppose to start at 10am, such a bad impression.

This is where I was heading too.

Heart's pumping harder and butterflies are all over my stomach.

Hahaha! Such drama queen I am,kan?

Nah, just over reacting :D

I was invited to give a motivational talk to the students of Diploma International Business in Politeknik Shah Alam. I was very honored and I thought it was such a good opportunity for me to share my experience with this whole load of great young people.

I started of the talk with asking them to right their biggest dream in their lives. I specifically instructed them `Do not write to be happily married with 3 kids, or to be married with rich man. Dream big- say to be a share partner in Maybank, in Air Asia, the first richest woman in Malaysia; that sort of dream'

Such attentive a group of students; as if this activity meant from their carrying mark,hehehe!

Then, we listened to a few of their dreams. The biggest dream I listened to was from Nadia. She wanted to travel around the world by her private flight which should be bigger than an AIRBUS. She must be damn rich one fine day! :D

Meet Nadia, the girl in yellow shirt :D

From there, we started to discuss about the dare to dream, because everything in ourlives start from a dream. As in for me, my dream is to be working on flexible hour on the age of 30; hence my life pattern now.

We even talked about the must to do changes and sacrifises. Nothing in life comes for free; whereby to reach and go further, you have to learn to change and make necessary sacrifises (read here: NECESSARY,ok?). We further discuss that changes and sacrifises come from courage.

Courage does not mean that you are brave; courage simply means the guts that you have to face a condition that you choose to live in.

We even have a Q n A session (owh, I hope I did answer their questions correctly ;p)

I hope so much that they benefit from the session, I may not be the best speaker or motivator or whatever you name it. But I am so happy and honored to be able to share my experience and aspiration with them. At least, I saw no one fall asleep during the 1.5 hours talk,hehehe! I guess that means something, right?

Yes, basically what's going on in my life now started from dream. Dream to pursue life to the fullest. Dream to achieve more than I can. It has just started and long way to go, I promise.

Hanie Adzman

How did I end up pushing myself to the limits? (i.e. doing so many things at one time)

I got married to Hazeman in Mac 2010. Hazeman was posted to Sarawak General Hospital (SGH) which required me to travel back and forth, every forth weeks. Cheap Air Asia tickets could cost as low as RM 18 and the highest tickets will reach RM 800++.  Of course we planned our `visiting schedule’, but there were also times that I flew unplanned (i.e. Hazeman had his chicken pox etc). We don’t earn salaries of you know, big bucks; neither both of us came from very wealthy families. I ended up swiping credit cards to match this requirement. When Hazeman got to transfer back to KL, we realised we are stuck with credit card debts and they are more than you could imagine. Added to that are our monthly expenses and of course family’s expenses. Marriage comes with responsibilities to family, and mind you, it is not one, but to two families.

Yes, we do have lots of fun during our stay in Kuching. Sometimes I do wish that we are still there. And I missed Kuching big time..=(

Hazeman and I we are very much looking forward to have children soon, now that he has come to the end of his housemenship training, Alhamdulillah. I believe every parent would like to give the best to their children, and so do we. I am sure that most parents have had their children medically covered with insurance, and now you are looking forward for your children’s education fund and of course daily and monthly expenses; you know nursery of RM 250, pampers of RM 200, that sort of thing. Don’t forget the expenses that involved during delivery and post delivery. I am a planned person; I don’t like to face a situation unprepared. Indeed, every child comes with rezeki , which Allah has assured. But, those rezeki, I believe comes from hard work and changes for betterment (you know most married couples will start looking for side income job, do more part times, do more locums etc). Thus, being calculative and prepared person, I can’t see us to put up with extra expenses in this near future. Thus, we have to find solution.

Twins mean double in everything, yes I mean, every each of thing!

I am the eldest in my family. I am also the eldest grandchild in ayah’s side. Ayah had showed us the responsibilities as the eldest in the family. And I have determined to put up with that role too. Thus, I kept thinking that I must have a plan B for my siblings and cousins. My biggest fear is that anyone that related to me will not be able to survive in the future, financially. You know, like they can’t further their study, or they will not have opportunities to get a good job. I feel that it is my responsible to facilitate them in the future, if this happen. Hence, Hazeman decided that we must establish any sort of business as a starter. Apart from that, we take this as a challenge and we believe if we put our family as our first priorities, insyaAllah, we will have stronger bond as a family.

My father has the biggest influence in my life. Apart from a father, he is also a very good friend of mine. His thoughts really matter to me. 

I have my own target, to quit 8am-5pm work at the age of 30 years old. I would like to build and raise my own future family yet get to be working on flexible hours; which eventually leads to business. I want to be able to drive my children to their kelas mengaji, maybe to swimming and horse back-riding class. I want them to remember me be as the biggest influence while they are growing up, like I remember ibu and ayah while I was growing up. But, I can’t rely on Hazeman to work alone and feed our family. It is just unfair for he has been working so hard since we got married, and yes, definitely two heads are better than one (or maybe two pairs of hands are better than a pair, hehehe!). This fact also knocks my head when arwah mak fell sick. It was very hard for us to be at her side all the time since both Hazeman and I are working 8-5; five days a week, and yes we did feel horrible. At that point of time, I thought what if this happen to ibu, ayah, abah, my children, my siblings or any close family members, would I be able to take care of them if I keep working office hours? Or I would have to take unpaid leave to be there for them then my monthly expenses are not taken care of? That would give me another headache, I think.

I have met with so many people, some are very keen to take the first step for better life and some are “wait and see” people. Nevertheless, I keep my options open for I am only sharing this opportunities that I have now, with you.  Regardless whether you choose to continue to be in your comfy shoes or to take the risk while we’re young, I still very much will pray for the best in your future. =)

Hanie Adzman

p/s- It is 27th Mac 2012. Happy 2nd Anniversary, bi =)

Dig, analyze, share and respect.

Yes, many times in life we frequently judge a person or a situation from one source; or the hearsays. Bad enough that we do not take the time to read through the relevant sources; or to analyze the situation; we label and simply pinpoint fingers verbally or non-verbally to the relevant (or irrelevant) people.

When Hazeman and I started to invest in gold, we only read the pamphlets provided by the bank. And we took it that they were able to provide all the info we needed. We invested in gold book account, and a week later when we read one reliable entry by Ustaz Zaharudin in his blog (mind you we did not read from `unreliable’ source i.e. individual with no Islamic banking education and practiced background), we realized that gold book account is prohibited for it’s akad is not clear; as in when we buy physique gold, the akad is clear – We give you RM xxx for xx gram of gold. But, with gold book account, (this is the copy from Ustaz Zaharuddin’s post)

·         HARAM DAN BATAL : Jika emas itu belum berada dalam pemilikan bank dan hanya akan dibeli daripada pihak ketiga dalam majlis transaksi yang berasingan. Urusniaga pembukaan akaun itu telah menjadi HARAM dan tidak SAH, kerana pihak bank telah menjual emas yang tiada di dalam miliknya dan juga kerana riba telah berlaku apabila tiadanya elemen ‘Taqabud fil Majlis' (serah terima dalam satu masa), sebarang penangguhan membawa kepada Riba an-Nasiah.

Kesimpulan ; pastikan emas yang ingin dijual mestilah berada dalam pemilikan pihak bank tersebut.

•      HARAM DAN BATAL : Iaitu jika emas BELUM atau TIDAK diterima serta-merta ketika membuka akaun pelaburan emas itu.

 And that is why we quit from the gold book account investment; and yes we had some kerugian. The point is we have to always find the most reliable source, analyze, share and respect. Respect other people’s choice if they still want to go for the gold book account.

I was interviewed by Lisa Goh from The News Strait Times  THE STAR for a featured last Sunday with regards to my interest in investing in gold,hehehe!

This is a 20 g gold wafle. Yes, you can actually get it from different jewellery shop and they basically produce their own 999 gold. So, you can actually get the highest composition of gold unlike the bracelet, rings etc. Basically, Tomei has KLCC wafle bar, we have Pump Suisse, which an international recognize wafle etc.

 Move on to, Nadirah (@Dirang)’s case. Yes, the whole Malaysian is very shock with the news. It reminded us to Nurin Jazlin, very much kan? (May her soul rest in peace). And, as I was driving on the Tuesay  morning, Hot fm had this news as their topic for discussion. Of course, everyone is outrage with the killer(s), and every caller start to bang the killer. But, but, before that, do you know most psychotic, serial killers dan yang seangkatan dgnnya are actually abused and abandon kids once?  That while they were growing up, they did not go through a normal journey like most of us did. And who would know that these people are actually our school mates, our neighbors and they could be among our family members. But, for we have been ignorant, tak mau jaga tepi kain orang, we had actually indirectly contributed to the existence of these people who we are referring as `bad people’. If we only had called the police when we heard them scream, if only we offer them shoulder when they cried at the back of the canteen during recess time instead giving unwanted look, and if only we help them to meet the counselor in school, things could have been different. So, did we dig, analyze, share and respect? Not to respect them as the `bad people’, but respect them so that we can actually provide them with necessary help (i.e. seeing psychiatric etc). But, if the killer(s) is normal man, as in waras, please, dear Sir, tolonglah minta ampun to the respective family(s). If we have sins towards Allah, we can ask for forgiveness from Him; and InsyaAllah, Allah is the most forgiving. But, if we have sins towards human beings, then from them we have to seek for forgiveness.                   

The same goes to when we heard a man is marrying a second wife. Cepat je nak melenting kan? Hehehe! (That includes me, ok?). Added to that, if the man is our best friend’s husband, our brother in law or any men that are related to us, and we do not see any logical explanation why he should marry to another wife; we would make a conclusion for them – Gatal! Dasar lupa diri, isteri tu yang susah-susah dgn dia dulu, dah senang, cari lain- you know that sort of thing. But, why don’t we open our heart and mind- what if the man marries to a widow, with some children? What if the man marries to a woman, yang dah lanjut umur, and she is actually well off, financially, and she only intends to menumpang kasih-sayang, and she needs a man to protect her? Or he marries to a woman who needs real protection? Just laying out some probabilities; but there must be a reason why Allah allows the men to marry up to 4 wives, kan? I am just saying this, but if this happens to me, I would need a very long time to accept (will I be able to accept?) and redha; I guess.

One example of I can think of. UAI.

                The reason why I had this entry is because I have always working on self-positivity. I wanted to be able to analyze a situation and a person; before I say my comments (or rather will I keep my comments). I wanted to stop being judgmental, by hearing from only one source, because every coin has two face; so is every story.

p/s- Do you guys actually acknowledge that there is a proper guideline by JAKIM for multilevel (MLM) business to be conducted in Malaysia? Just thought you would like to know. You know, before you say your comments? =)
http://www.islam.gov.my/muamalat/sites/default/files/garis_panduan/2011/09/garis_panduan_mlm_20111.pdf

                                                    

January and February 2012

I have been going through a lot throughout January and February.

January, I was so busy with my Master research proposal. I had to look for suitable supervisor and core supervisor. Alhamdulillah, I found both at one time, and now, the real hard work begins, have to apply for study grants and to submit my application for the study to UPM. Let’s pray and work for the best as in, UPM, here I come………! again,hahahah!

Yes, my Master study will involve the sunshine vitamin- Vitamin D! =)

Then, January was the last month for Vietnam qualifying. Unfortunately, the date that I was suppose to leave for Vietnam; I had already been assign to one pameran in Putrajaya. The best part was, all of sudden, the pameran was canceled, and the submission for Vietnam was also closed at the same time. I guess, it was not my rezkh but I had fun throughout the process and now I am fighting for Guangzhou! We are leaving for Guangzhou on June and I hope it won’t clash with a conference that I plan to attend in Kelantan on the same month, hahaha! I envy those business partners who are doing this business full time as they have ample time to manage their own schedule =( I hope my time will come soon, I know it will!

I am heading this way, people. Come and follow me! ;pz

January was also the month I had to attend to both my assistant submissions for their PEMUTIHAN process. This was the craziest process ever!! You have no idea how hard and terrible it was to deal with the JABATAN! No, I am not going to brag about this, but the conclusion to my journey was, try as much as possible to avoid dealing with them. From “ Saya akan hubungi puan semula” to   
“Sepatutnya puan yang call saya”, I hope this will be the first and the very last time that I have to deal with them.

At the same time, since January is the first month of 2012 (of course…), Hazeman and I were also submitting quotations to other stakeholders (i.e. nearby factories, spa etc) to look for more contracts and business opportunities. So, emailing quotations, follow-ups and the rest of stories.

February, I took 11 days of annual leave. My mother in law, Mak, suddenly fell sick, she had difficulties to breathe, to move and first ultrasound showed her liver was swelling and had liquid in it. I did notice that she had sort of bengkak at her abdomen area, but she said it was nothing serious and it has been so for the past 4-5 years. So, we coaxed her to be hospitalized for detailed check up and to start her antibiotic treatment on the 17^th February; upon her agreement, and then she was put into ICU on the 21^st February for closer monitoring and she had to breathe with the assistant of CPap, which mean she can’t breathe by herself. Hazeman and I stayed in Kelantan from the 22^nd February to 26^th February, bergilir-gilir with other siblings to look after her; even when she was in ICU. She could basically talked and eat and we told her that she needed to recover since many people who came to visit her were giving her money and we can spend the money by traveling, heheheh! We left Kelantan that Sunday since she seemed very stable and Hazeman had to sort his housemen period which left about 3 weeks. On the 27^th Monday,  Kak Long called us in the evening saying that Mak’s blood pressure dropped critically upon intubates process and the physician asked the whole family to be prepared. Hazeman and I catch Air Asia last flight to Kota Bharu and went straight to HUSM. As Hazeman is a doctor himself, he knew that if a person blood pressure dropped drastically and the person had all five drugs inserted into him to keep him alive, it was already the time. Mak intended to pass away at her house, so that was what the family did for her. As soon as Hazeman and I reached her bed, Abg Andee (Hazeman’s second brother whom also a doctor- general surgeon) said that they are taking her home by ambulance and if Hazeman felt satisfied by getting to see Mak for the very last time. All machines was taken off from Mak, and Hazeman was bagging her; himself. (Bagging as in a manual balloon thing; being pumped manually to help Mak breathing until we reach home).

Onto the ambulance, to Pengkalan Chepa, Hazeman taught Mak to recite syahadah; continuously. Hazeman said Mak was sweating on her forehead and as soon as we reached MRSM Pengkalan Chepa, Mak had her tears out. We reached home, laid her on her mattress, Abg Andee took off all the left over tubes and shots, and she was pronounced dead on 11.45 pm; in her house, among her families as she wished. Mak was buried 10 am, Tuesday, 28^th February at Bongol, Kota Bharu; at her hometown together with her mother and other siblings; she was rest aside to his elder brother, near to her mother.

I must say that it was my lost since I had to know Mak for only two years. Along the time, she was the coolest mother in law anyone could ever had. We called each other every week, she would order tudung from Munawarah when she had new baju kurung, and her favorite cookie was the butter cookies. We would always exchange stories and thoughts which all and all made me the happiest daughter in law. Ok, let’s stop here before we had more tears.

There you go, my 2012 starting months. Time flies so fast; that we couldn’t wish the time will slow down to our need. I always intend to do and reach more in the coming months and times, and may all success, prosperity, happiness be with us. Do not forget to perform QUALITY solat everyone, since Allah never forget us and always remind ourselves about death. It will definitely facilitate us to be better Muslim and Muslimah =)

She personally choosed blue for our Kelantan reception

On the E-day..

Miss you, Mak…

Hanie Adzman

What a week..

Last week of January was the worst week as the first month in 2012.

Monday and Tuesay were CNY hols. But, laundry open as usual and I was rushing here and there hantar Premium Beautiful set to customer.

Wednesday, Hazeman's car broke down again, for the second time on January 2012. So, we were so worried since he has to deliver some laundries on Thursday. Since I thought he wouldn't be able to do it, so I sent the whole 360++kg laundries on the evening, by Kelisa, two trips, in the rain. Basah kuyup dibuatnya. Left laundry at 9.30pm, drove to HKL, fetched Hazeman and to home. Sampai rumah, Kakak and Iddin had heavy flu, Hazeman had to attend to them, and we both haven't had any dinner. Later we went out to McD for late dinner/supper and slept at 1.30 am.

Thursday, we forgot that we were suppose to balik Kelantan since we haven't go back for nearly 1 month and we haven't buy the bus tix. As soon as I reach home (Hazeman was still at the laundry since he had morning shift), I went out again to go buy bus tix, Kakak and Iddin wanted to come along. So, they basically slowing down my movement. We had 10.30pm tix and we haven't buy tix from KB-KL on Saturday since Hazeman has to work double shift on Sunday.

We reached Kelantan on Friday morning, 5.30 am; sis and brother in law treating the family with a weekend gateway in Tok Aman Bali, a new 4 stars resort in Tok Bali. It was beautiful, very peaceful and we had total fun; despite the fact they claimed ada Wifi, tp nan hado..

Went back to Kota Bharu on Satuday, rush to the airport, bought a 7.15 pm Air Asia tix to KL. While waiting for the flight, one of our customer texted us, they wanted us to pick up some laundries that evening jg and sent it back on Sunday morning, since they had to use it Sunday morning tu jugak. Hey, we are still in KB at that time!

Landed in LCCT at 8.05 pm, got onto bus at 8.50pm, got onto the train at 9.15pm, sampai Bndr Tasik Selatan, we realized we left on of our bag at Salak Tinggi's platform!

Got off from the train at Bandar Tasik Selatan station, went to tix counter, minta tlg the officer to call Salak Tinggi's station to check whether the bag is still there and thank Allah, it is still there.

We continued our journey to KL Central, Nabil; my sis picked us up and we reached home at 10.30pm. We took Hazeman's car to Shah Alam; picked up the laundry (which was about 15 helai je pun); hantar to Lavender Laundry, had quick drive thru dinner at A&W; balik and tidur at 1.30am.

The next day, I woke up at 6.15am, because I need to drive back to Shah Alam, to deliver back the whole 15 pieces table cloth. From Shah Alam, I drove to Salak Tinggi station to pick up the bag that we left at the platform.


Malam tu, we drove back to Shah Alam, to pick the whole load of laundry in Shah Alam, from the same customer. 360++kg all together.

I wanted to have this entry on so that one day I will remember what both Hazeman and I went through in order to have better life while maintaining good relationship with the families.

So much for a DIRECTOR.. =)

Hanie Adzman