Sejak kebelakangan ini , banyak kereta baru dengan rekaan yang bergaya dan mewah lagi meanrik berada dipasaran. Buat kita rasa teruja, mulalah pasang niat dan berangan nak tukar kereta baru. Tapi sebelum itu buat yang masih keliru sama ada nak tukar kereta baru atau tidak.
Sebelum nak beli pertimbangkan dulu nasihat yang dikongsikan oleh Harith Faizal ini, yang juga merupakan penulis bagi tip-tip kewangan.
Formula 20 : 5 :15
20% Deposit Kereta
5 Tempoh Pembiayaan
15% Dari gaji bayar kereta
Atau lebih senang Harga kereta/ 12 bulan = Gaji Layak Beli
Berikut antara 10 perkara perkongsian beliau
1. Naik Motor
Kalau bujang gaji RM2,000 tak payahlah pakai beli kereta keluaran baru di pasaran. Tunggu dululah. Naik motor pun dah okay. Motor biasa ya, bukan superbike idaman anak muda yang mahal gila. Padahal kalau hujan, basah kuyup juga.
2. Formula Kiraan Harga Kereta
Harga kereta yang patut kita beli harganya setahun gaji. RM2,000 x 12 baru dapat RM24,000. Beli kereta harga begini. Atau tunggu gaji naik lagi.
3. Menyimpan Wang
Kalau dah terbeli, susah nak mula menyimpan 30% gaji untuk tabung deposit rumah. RM2,000 x 30% = RM600. Nak simpan 10% gaji pun belum tentu boleh.
4. Tiada Perlindungan Takaful
Kereta RM500, minyak RM200, tol RM200, servis RM100, sewa bilik RM300, parking RM200, makan RM300, ibu bapa RM200. Duit habis tiada simpanan. Takaful untuk perlindungan langsung tiada.
4. Perancangan Bijak
Lain orang berbeza keutamaan. Tapi ramai tak sedar, lebih baik beli rumah dulu barulah kereta. Lainlah kalau kita gaji besar. Setakat Myvi, pandang sebelah mata. DSR pun tak terkesan sangat. Apa-apa pun, buatlah kira-kira.
6. Lebih Romantik
Kalau dah berkahwin, dah ada satu kereta, tak perlu tambah kereta lain , kalau pergi kerja pun ikut jalan sama. Pergi kerja sama-sama lebih romantik dan bahagia.
7. Jangan Ikut Orang
Jangan ikut cakap orang suruh beli kereta kedua. Sebab yang lebih faham keperluan keluarga kita bukan mereka tapi kita. Kalau mereka nak tolong bayar, takpa juga.
8. Pentingkan Tabung Perumahan
Tabung rumah lebih utama berbanding kereta keluaran baru, melainkan kita sanggup hidup menyewa lama-lama. Hidup menyewa lama pun takpa sebenarnya, asalkan dah ada rumah lain atas nama kita.
9. Pengiraan Gaji
Cakap banyak pun tak guna, jom kira berapa gaji minimum patut ada untuk beli Myvi 2018 yang paling murah. RM44,300 / 12 = RM3,691. Ouh, gaji kena RM3,691 rupa-rupanya.
10.Ukur Baju Di Badan Sendiri
Sebelum buat keputusan beli Myvi 2018, fikir dulu beza LAYAK, MAMPU dan PERLU. Kalau semua dah okay, barulah pergi ke showroom dan order, “Bro, bagi gua Myvi 2018 seketul, bungkus ikat tepi”. Haha. – HF
Nota: Kami laki bini bekerja. Pakai satu kereta saja buat masa ini. Beli kereta baru tu pada Januari 2016 dengan harga RM33, dapat rebat RM3K. Jadi kereta tu dibeli pada harga RM30K. RM30K / 12 = RM2,500. Kereta saya tu patut dibeli oleh orang bergaji RM2,500.
Jangan ketinggalan sebab download dekat seeNI je senang.
KLIK DI SEENI
Amalkan 5 Minuman Ajaib Ini Kalau Anda Nak Turunkan Berat Badan Dengan Mudah
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Minuman Penurun Berat Badan
Sekiranya anda telah memutuskan untuk menurunkan berat badan, anda pasti tahu bahawa satu-satunya cara untuk memulainya ialah menggabungkan olahraga dengan diet yang sihat, seimbang, dan berkhasiat. Namun, ada beberapa jenis minuman yang ternyata membantu mempercepat proses pembakaran lemak dan menurunkan berat badan lebih cepat.
Jus buah
Buah-buahan yang kaya vitamin dan mineral terkenal sangat bermanfaat bagi kesihatan. Buah dipercayai memiliki kemampuan detoks yang kuat kerana dapat membersihkan racun, bahan kimia, dan zat berbahaya lain yang ada di dalam tubuh.
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Buah-buahan menyokong fungsi saluran pencernaan sekali gus antioksidan sebagai penangkis radikal bebas dan penyakit bagi tubuh. Jus detoks juga bermanfaat sebagai penurun badan tercepat dan semula jadi. Pengambilan jus detoks dua kali dalam sebulan.
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Jus sayuran
Ada beberapa jenis sayuran yang mampu menurunkan berat badan, seperti kubis, brokoli dan timun. Manfaat penting lainnya dari jus sayuran ialah selain membantu tubuh melawan radikal bebas juga berfungsi menyeimbangkan kadar hormon dalam tubuh. Kombinasi sayuran dan buah sangat kaya dengan fitonutrien semula jadi yang sempurna untuk mengurangi jumlah keseluruhan lemak tubuh, untuk mengurangkan peradangan, mengawal kadar gula dalam darah dan meningkatkan proses metabolisme.
Teh hijau
Daun teh hijau telah digunakan selama ratusan tahun kerana berbagai manfaatnya, khususnya menurunkan berat badan. Minum secangkir teh hijau sehari akan memberikan semua antioksidan yang anda perlukan dan membantu membakar lemak lebih cepat dengan meningkatkan metabolisme.
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Teh hijau sangat sempurna untuk membakar lebih banyak kalori, meningkatkan tenaga serta mengurangkan nafsu makan. Selain itu, kandungan daun teh hijau juga baik untuk mengurangkan stres.
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Jus kranberi dan pir
Kaya dengan khasiat, protein, mineral dan vitamin C dalam jumlah tinggi membuat campuran jus buah kranberi dan pir bermanfaat dalam menurunkan berat badan dan meningkatkan metabolisme. Buah kranberi mampu mencegah berbagai infeksi seperti infeksi bakteri E-coli. Manakala, buah pir bermanfaat terhadap pengeluaran kalium, magnesium dan fosfot.
Kopi hitam
Jika diambil dengan teratur dan tepat, kopi hitam memiliki sejumlah manfaat seperti antioksidan yang berfungsi menurunkan risiko jenis kanser, diabetes dan penyakit jantung. Kandungan kafeinnya juga mampu membakar banyak kalori. Minumlah kopi hitam tanpa pelengkap seperti susu atau gula agar manfaat positifnya terasa lebih maksima.
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FOLLOW KAMI
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VIDEO
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[/et_pb_text][/et_pb_column_inner][/et_pb_row_inner][/et_pb_column][et_pb_column type=”1_2″][et_pb_text global_parent=”64″ admin_label=”Follow Kami” background_layout=”light” text_orientation=”left” text_font=”Oswald||||” text_font_size=”16″ text_text_color=”#ffffff” use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_margin=”||-1px|”] FOLLOW KAMI [/et_pb_text][et_pb_divider global_parent=”64″ admin_label=”Divider” color=”#5e5e5e” show_divider=”on” height=”2″ divider_style=”solid” divider_position=”bottom” hide_on_mobile=”off”] [/et_pb_divider][et_pb_social_media_follow global_parent=”64″ admin_label=”Social Media Follow Ipad” link_shape=”circle” background_layout=”dark” url_new_window=”on” follow_button=”on” disabled=”off” disabled_on=”on||” custom_css_main_element=”text-align: center !important;||margin-bottom: 1% !important;”] [et_pb_social_media_follow_network social_network=”facebook” url=”https://www.facebook.com/majalahmaskulin/?fref=ts” skype_action=”call” bg_color=”#3b5998″] facebook [/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=”twitter” url=”https://twitter.com/MaskulinMag” skype_action=”call” bg_color=”#00aced”] Twitter [/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=”instagram” url=”https://www.instagram.com/maskulinmag/?hl=en” skype_action=”call” bg_color=”#517fa4″] Instagram [/et_pb_social_media_follow_network] [/et_pb_social_media_follow][et_pb_social_media_follow global_parent=”64″ admin_label=”Social Media Follow Mobile” link_shape=”circle” background_layout=”dark” url_new_window=”on” follow_button=”off” disabled=”off” disabled_on=”off|on|on” custom_css_main_element=”text-align: center !important;||margin-bottom: 1% !important;”] [et_pb_social_media_follow_network social_network=”facebook” url=”https://www.facebook.com/majalahmaskulin/?fref=ts” skype_action=”call” bg_color=”#3b5998″] facebook [/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=”twitter” url=”https://twitter.com/MaskulinMag” skype_action=”call” bg_color=”#00aced”] Twitter [/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=”instagram” url=”https://www.instagram.com/maskulinmag/?hl=en” skype_action=”call” bg_color=”#517fa4″] Instagram [/et_pb_social_media_follow_network] [/et_pb_social_media_follow][/et_pb_column][/et_pb_section][et_pb_section admin_label=”Section” fullwidth=”on” specialty=”off” transparent_background=”off” background_color=”#5e5e5e” allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”off” padding_mobile=”off” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” make_equal=”off” use_custom_gutter=”off” custom_css_main_element=”height: 4px;”][/et_pb_section][et_pb_section admin_label=”Section” global_module=”70″ fullwidth=”off” specialty=”off” transparent_background=”off” background_color=”#000000″ allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”off” padding_mobile=”off” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” make_equal=”off” use_custom_gutter=”off” custom_padding=”||0px|”][et_pb_row global_parent=”70″ admin_label=”Row”][et_pb_column type=”4_4″][et_pb_image global_parent=”70″ admin_label=”Logo Karangkraf Desktop & Tablet” src=”http://maskulin.com.my/wp-content/uploads/2017/04/logo-kkf-putih-2.png” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”left” sticky=”off” align=”center” disabled=”off” disabled_on=”on||” force_fullwidth=”off” always_center_on_mobile=”on” use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_margin=”-10px|||” custom_css_main_element=” width:400px; || height: auto;”] [/et_pb_image][et_pb_image global_parent=”70″ admin_label=”Logo Karangkraf Mobile” src=”http://maskulin.com.my/wp-content/uploads/2017/04/logo-kkf-putih-2.png” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”left” sticky=”off” align=”center” disabled=”off” disabled_on=”|on|on” force_fullwidth=”off” always_center_on_mobile=”on” use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_margin=”-10px|||” custom_css_main_element=” width:300px; || height: auto;”] [/et_pb_image][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section admin_label=”section”][et_pb_row admin_label=”row”][/et_pb_row][/et_pb_section]
Jangan ketinggalan sebab download dekat seeNI je senang.
KLIK DI SEENI
Hanya Amal Air Rebusan Ini, Berat Badan Suami Dah Turun Hampir 3 KG Dalam 3 Hari.
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Jika anda ingin kelihatan sihat, segak, cergas, kacak dan lebih maskulin, bersemangatlah ikuti perkongsian Puan Fatin Erma Idayu Hashim. Menurut Fatin yang berkongsi petua ini dalam satu page masakan di Facebook baru-baru, suaminya baru mengamalkan air ini selama tiga hari.
Tapi menariknya berat badannya turun dengan pantas dari 88 kg ke 85.5kg. Beliau telah menyediakan air minuman yang diolah dengan enam bahan mudah yang sentiasa ada di dapur. Berikut adalah petua perkongsian beliau Fatin. Selamat Mencuba.
[/et_pb_text][et_pb_image admin_label=”Image ” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”left” sticky=”off” align=”left” force_fullwidth=”on” always_center_on_mobile=”on” use_border_color=”off” border_color=”#ffffff” border_style=”solid” src=”https://cdn.maskulin.com.my/2017/08/18485814_1529945520383376_9083161449668191776_n.jpg”] [/et_pb_image][et_pb_text admin_label=”Text” background_layout=”light” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]
Bahan-bahan:
7 biji bunga cengkih
1 batang kulit kayu manis
3 hiris halia (jangan hiris besar, untuk elak pedas)
2 batang serai
1 sudu madu
1 hiris lemon (atau ikut cita rasa)
1 liter air
Cara membuat:
- Bersihkan bahan kemudian rebus semuanya dalam periuk selama 15-20 minit.
- Tutup api dan sedia untuk diminum. Tapi sebelum minum campur dengan air masak agar jadi suam.
- Simpan baki air dalam peti sejuk dan minum keesokan harinya pula.
Tip Amalkan minum air ini sebelum sarapan dan sebelum tidur. Boleh diamalkan suami isteri yang sama-sama mahu menguruskan badan.
Sumber: Puan Fatin Erma Idayu Hashim,
[/et_pb_text][/et_pb_column][et_pb_column type=”1_3″][et_pb_code admin_label=”Med Rect A” custom_css_main_element=”text-align: center;||margin:0;padding:0||padding-top: 0px !important;” saved_tabs=”all” global_module=”54″]<!– /6273129/MAS_300x250 –> <div id=”div-gpt-ad-1484881151587-0″ style=”height: auto; width: auto;margin:auto”> <script> googletag.cmd.push(function() { googletag.display(‘div-gpt-ad-1484881151587-0’); }); </script> </div>[/et_pb_code][et_pb_text admin_label=”Header Follow” background_layout=”dark” text_orientation=”center” text_font=”Oswald|on|||” background_color=”#000000″ use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_css_main_element=”margin-bottom: 10% !important;”]
FOLLOW KAMI
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VIDEO
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+ Sinar TV
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+ Langganan
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Jangan ketinggalan sebab download dekat seeNI je senang.
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Akui Cetek Ilmu Agama, Tyzo Tidak Malu Bertanya Ketika Bersiaran
Mungkin bagi sesetengah orang, cetek ilmu agama itu dianggap sebagai suatu aib pada diri. Namun tidak bagi penyampai radio IKIMfm, Tyzo.
Memetik laporan Berita Harian, Tyzo atau nama sebenar, Tuah Zolqarnain Idris tidak kisah jika dia dianggap kurang pengetahuan ketika menemubual tetamu undangan untuk slot Inspirasi Pagi kendaliannya itu.
“Selepas tiga hari menjadi penyampai IKIMfm, saya menerima pelbagai reaksi dalam media sosial. Ada yang boleh terima, ada juga yang tak suka.
“Apabila mengendalikan slot pagi, saya bersama dua rakan setugas perlu menemubual tetamu hebat seperti doktor pakar, golongan agamawan dan sudah tentu, ia satu pengalaman baharu buat saya.
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“Satu perkara diakui, saya cetek dalam bidang agama dan ketika menjalankan tugas ada juga dengar perkataan dalam bahasa Arab yang saya tak faham maksudnya.
“Bila itu berlaku, saya tak malu bertanya maksudnya walaupun ketika ‘on air‘. Memang ada yang pertikaikan tindakan saya.
“Ini kerana sebagai penyampai, saya kena tahu dan perlu sentiasa bersedia. Dalam situasi ini, saya lebih suka meletakkan diri sebagai orang biasa.
“Tak Perlu Jadi Bodoh Sombong”
“Tak perlu nak jadi orang yang bodoh sombong kerana pendengar IKIMfm terdiri daripada pelbagai golongan.
Tyzo percaya cara itu membolehkannya lebih memahami dan mendapat manfaat daripada ilmu yang dikongsikan.
Mengulas mengenai peralihan tugas daripada segmen hiburan kepada segmen agama, Tyzo akui agak sukar baginya untuk menyesuaikan diri.
“Saya sedar ramai yang ingin melihat sejauh mana saya mampu bertahan dan bagi saya, itu perkara normal. Dalam kerjaya apapun, kita tiada jaminan untuk terus bertahan.
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“Namun, setakat ini, saya gembira dengan tugas saya dan dapat menyesuaikan diri dengan cepat bersama rakan setugas. Masing-masing ada cara tersendiri dan mereka menerima saya seadanya.
“Saya masih mengekalkan cara saya sebelum ini, cuma tidaklah keterlaluan,” jelas Tyzo lagi.
Sebelum ini, Tyzo berkhidmat selama lapan tahun di Suria FM namun menyertai IKIMfm selepas perkhidmatannya tamat.
Kini Tyzo mengendalikan slot Inspirasi Pagi berganding dengan penyampai asal slot berkenaan iaitu Suffian Amrin dan Luqman Hakim.
Kredit Sumber: Berita Harian
BACA: Hormat Bulan Puasa, Azeem Fahmi Korbankan Empat Kejohanan
Jangan ketinggalan sebab download dekat seeNI je senang.
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