Is This the Best Celcom AD on MNP

Image via WikipediaSeriously, is this the best that Celcom can come out with to lure other Telcos user to change to their network. Please laaa.

If any of Celcom Staff from marketing/branding/advertising read this entry/post. Read my lips your AD Suck hahah..sorry to say..but it’s true. My mum can come out with that kind of AD. Come on can you get something new and fresh.

Understand your Women Language Deeply

(1)Fine:This is the word women use to end an argument when they are right and you need to shut up.

(2)Five Minutes: If she is getting dressed, this means a half an hour.

Five minutes is only five minutes if you have just been given five more minutes to watch the game before helping around the house.

(3)Nothing: This is the calm before the storm. This means something, and you should be on your toes. Arguments that begin with nothing usually end in fine.

(4)Go Ahead: This is a dare, not permission. Don’t Do It!

(5)Loud Sigh:This is actually a word, but is a non-verbal statement often misunderstood by men.

A loud sigh means she thinks you are an idiot and wonders why she is wasting her time standing here and arguing with you about nothing. (Refer back to # 3 for the meaning of nothing.)

(6)That’s Okay: This is one of the most dangerous statements a women can make to a man.

That’s okay means she wants to think long and hard before deciding how and when you will pay for your mistake.

(7)Thanks: A woman is thanking you, do not question, or Faint.

Just say you’re welcome. (I want to add in a clause here – This is true,unless she says ‘Thanks a lot’ – that is PURE sarcasm and she is not thanking you at all. DO NOT say ‘you’re welcome’ … that will bring on a ‘whatever’).

(8)Whatever: Is a women’s way of saying F**** YOU!

(9)Don’t worry about it, I got it: Another dangerous statement,meaning this is something that a woman has told a man to do several times, but is now doing it herself.

This will later result in a man asking ‘What’s wrong?’For the woman’s response refer to # 3.

Send this to the men you know, to warn them about arguments they can avoid if they remember the terminology.

Send this to all the women you know to give them a good laugh, cause they know it’s true.

Business Risk and Credit

Modern global cities, like New York City, ofte...Image via WikipediaBusiness is all about making a good decision.So it is important to get more tip on decision making. It is because it’s crucial. It’s important for both parties to know that when goods are sold, what are the price of the item and the timing of the payment. It’s also good to know what are the stipulations if any that apply to the return of merchandise. Different companies quote their prices by using different methods. A lot of merchants will generally quote the price that they will like to sell it.

On the other hand, some merchants such as manufacturers or wholesalers will usually quote their prices as a percentage of their catalogue prices, generally around 30 percent or more, and this reduction I known as a trade discount. For example, if something is listed as $1,500 with a trade discount of 30 percent or $450 then the seller writes the sell as $1050, and the buyer records it as $1050. From there the seller can raise or lower the price depending on the quantity that is being sold.

The terms of sales are usually on the sale invoice and tell the type of terms to the agreement. In a lot of industries the payment is expected within a short time of the purchase. If it’s for 15 days then the invoice will have “n/15” (net 15) or “n/20” (net 20) which means that the amount is due 15 or 20 days later. In most industries a discount is usually offered for an early payment. This type of discount is called a sale discount which has the purposes for increasing a seller liquidly by reducing the amount of money associated with accounts receivable.

An invoice with a discount may look like “3/10, n/20,” which that the purchaser can pay within 20 days and receive a 30 percent discount, or they can pay within twenty days and pay the full price for it. If you have noticed, the amount of discounts have been decreasing because one, its quite expensive to the seller, and two, to the customer it appears that they are not receiving a bargain even though they may. In some industries it is expected for the seller to pay for some charges, and others it may not.

One example is in the freight industry. FOB shipping point basically means that the buyer is paying for all of the shipping expenses. So if you purchase something heavy and the sales agreement says FOB then that means that you are responsible for the shipping charges. However, FOB destination is the opposite and means that the seller pays the shipping or transportation expenses once it is delivered. A lot of retailers will give buyers the opportunity to charge the shipping expenses to dome type of third part service. The five most used credit cards are:

  • ? American Express
  • ? Visa
  • ? Discovery Card
  • ? Diners Club
  • ? MasterCard

The customer is given credit by the lender or credit card issuer, and receives a shiny plastic card to charge their purchases to. Once the seller accepts the card, the invoice is automatically prepared and the seller receives money into their account. If the seller is offering a discount, the discount is recorded as an expense to the seller. Let’s not forget that the seller’s merchant also deducts money for each transaction, and that money that is deducted is also recorded as an expense. Let’s not forget that you also have something that is known as freight in, also called transportation in. this is the shipping costs that are associated with receiving particular merchandise, and is generally included with the cost of goods sold.

A lot of companies like to include the cost of freight in with the cost of the merchandise, because it is a relatively small amount of money. Sometimes the buyer is expected to pay the freight in and it is reported as an increase in the accounts payable. Also, if the seller experienced a return because of the wrong item shipped, or for a damaged/low quality product, then the buyer may be granted a refund for cash or for credit back to their account. The returned purchased is deleted from the merchandise inventory account under the perpetual system. Sometimes sellers will pay the delivery or the freight out costs hoping that it will increase their sales. These expenses are gathered in the freight out expense, or commonly known as delivery expense. This is viewed as a selling expense on the income statement.

When a customer is dissatisfied with a product, they will usually return it and these costs are gathered in the sales returns and allowances account which gives the management a more flexible estimate of what products to keep and which ones to discard of. This account deducts sales from the income statement. A merchandising company can have inaccurate records as well as experiencing a huge loss profits if they don’t have reliable accounting records. The management is the one I charge for making the system for internal control. Internal control is the policies that a management puts to action to make sure that the financial information is reliable. This is the process that the management takes to protect their assets. It also confirms that the employees have conformed to legal requirements so that they will do the best job possibly for the company.

Since the managers are the ones in charged of the structure of a business they must report their goals and progress to the “Report Management” of a company’s annual report to stockholders. To be successful with internal control, management uses five parts of internal control. They are: Control environment, risk assessment, information and communication, control activities, and monitoring. Control environment deals with the overall attitude, and actions of a management system. It also includes the management ethics, integrity, and philosophy.

The employees must also be properly trained and very knowledgeable in the field their participating in. The risk assessment is the analysis of the risk of an environment and how to monitor them. These include screening out thieves in a retail store, or employees that are likely to steal from a company. Next, information and communication correlates to the accounting system by establishing management, and reporting a company’s transactions. Control activities are the restraints that management puts in place to make sure that instructions are properly carried out. Last, monitoring involves the periodic assessment to make sure that all policies are enforced.

New Proton MPV or just a fake one

Is this the new Proton MPV, I received the pictures from email.

It will launch early next year..

Proton managing director Datuk Syed Zainal revealed that Proton will be unveiling its new MPV early next year, but declined to reveal any other details about the MPV.

So what do guys think ? Wanna buy or not ? Hopefully the price will be affordable. 

Pay Zakat using SMS for Celcom User

Celcom has made really easy for Celcom muslim customer to pay Zakat via SMS. This sms payment has been approved by Selangor Fatwa Council. Its a good move by Celcom  to get approval by Fatwa Council before making new idea,program,system and contest involving Muslim.

How to use the Service :

To use the service, Celcom customers only need to type fitrahselangor and send to 21999 and follow the next instruction.

Charge FEE : Zero 🙂

Zakat fee for Selangor this year is RM 5.20 per person. So I have to pay RM 15.60 for my self, my wife and my daughter.

Surprisingly, the company that owns my office building, Worldwide Holdings Berhad pay RM 1.3 millions to Lembaga Zakat Selangor. Wow..for sure their income is in billion hehe

Well as a maxis user, I usually pay when I see Amil (Zakat Collector) at shopping mall during shopping. I prefer to pay face to face so that you can perform the akad  not akad nikah ok 🙂

September 07, 2008 01:10 AM

Celcom’s Muslim Customers Can Pay Zakat To Selangor Zakat Board Via SMS

SHAH ALAM, Sept 7 (Bernama) — Celcom (Malaysia) Bhd’s Muslim customers can now pay zakat(tithe) to the Selangor Zakat Board (LZS) via SMS with the launch of the service.

The service for Celcom’s pre-paid and post-paid customers was the first of its kind as a result of cooperation between Celcom and LZS.

The Sultan of Selangor, Sultan Sharafuddin Idris Shah, launched the service at the Sultan Salahuddin Abdul Aziz Shah Mosque at the breaking of fast with the people, here Saturday night.

A statement from LZS said the SMS for zakat payment was free of charge.

To use the service, Celcom customers only need to type fitrahselangor and send to 21999 and follow the next instruction.

The zakat payment for Selangor this year is RM5.20 per person and the official receipt for the payment can be downloaded from LZS website at before Oct 31, 2008.

The board said the zakat payment via SMS had been approved by the Selangor Fatwa Council.

Sultan Sharafuddin had earlier handed over Hari Raya cash contributions from LZS to 80 orphans, 100 poor people and also 100 Muslim converts at the same function.

The Sultan also received for LZS, business zakat of RM1.3 million for this financial year from Worldwide Holdings Bhd, which was represented by its chairman, Datuk Mohd Arif Abdul Rahman.

Selangor Islamic Religious Council chairman Datuk Setia Mohammad Adzib Mohd Isa said a survey carried out by the council showed that the hike in fuel and food prices had increased the number of poor people in the state to 10,000 from the 672 registered in 2007.

He said for this Ramadan, LZS had allocated RM11.7 million to help the poor and another RM1.2 million for Muslim converts in Selangor.