kek fiestaaa..
eh...kemaruk ek..motip...aku yg lebih-lebih makan kek, dah nama pun kucing.
eh...kucing korang makan kek??
kek fiestaaa..
Posted by
CATZ
at
11:13 PM
7
comments
Labels: bla...bla.., Kek, ucapan
jom jalan-jalan, sight seeing bangkok...
nak jalan-jalan kat bangkok ni senang je..
banyak alternatif, depends nak ronda mana..siang atau malam.
pelancongan merupakan industri utama di Thailand, so di sini banyak produk-produk pelancongan sperti tempat-tempat menarik, acara-acara, produk makanan..
Bagi catz bangkok ni fun..meriah.
Nak shopping....dari gerai tepi jalan, market, bazar, shopping mall besar, kat tengah-tengah sungai pun ko boleh shopping cik Kiah. sedia je doits...heheheeee..
Tempat yg biasa org pegi..
temple
grand palace
chathucak market
MBK
floating market
chao phraya cruise
dan lain-lain.
Posted by
CATZ
at
8:37 AM
13
comments
Labels: Jalan-jalan, Vacation
Today's guest post comes from Jeff Lehman, author of The Frugal Millionaires.
Saving thousands while still spending.
Millionaires make up just 2 percent of the population. They get a bad rap during recessions for being wasteful with their money and are frequently used as examples of excess. It's the millionaires that you don't see that you can learn from in times like these. I call them the frugal millionaires and interviewed 70 of them to uncover ways we can all be smarter with money.
Nearly 70 percent of the economy is based on consumer spending. To keep the economy going we need to keep spending but not waste money in the process. This is where the frugal millionaires come in. They've been smart with their money all along and haven't lost it all and had to remake it. These are the kind of people you want to learn from when it comes to spending your money.
Spending philosophy.
Frugal millionaires are unique thinkers when it comes to spending money: 1) they can easily delay their need for gratification when purchasing; 2) they are resourceful in getting what they want by carefully timing their consumer purchases; 3) they make living below their means painless; 4) they don't like wasting anything (especially money); 5) their sense of "self-entitlement" is highly minimized: and 6) spending is OK with them...depending on what they are buying (think: appreciating vs. depreciating assets).
[For more, see, "10 Secrets of Millionaires' Money Management."]
Buying tips.
These millionaires keep more money than they spend, that's why they are rich. Their tactics work for them so they'll work even better for you. Key Point: They don't view shopping as a sport. They shop efficiently and spend their time doing more important things with their lives. Here are their tips that will help you save while spending:
Cars: Buy used (or off lease) fuel-efficient cars, often with "certified pre-owned" warranties. This warranty can be better than a new car, plus the initial depreciation hit is avoided. Drive the car for a long time and never lease it.
Eating Out: Bring half of a meal home to eat later (this also saves the waistline). Eat at happy hours. Bring wine from home and skip dessert. Value food quality over expensive ambience.
Eating In: Eat better and less expensively by cooking at home. Make it a friends and family event. Get your kids involved. Bonus: You can have that extra drink without worrying about getting busted for driving under the influence. Also: buy day-old bread at the best bakery in town and freeze it. Eat oatmeal, because it's the most cost-effective breakfast food. Get a supermarket "club card" and buy food on special. Play the game of trying to see how much of a discount can be saved off the total food bill.
Clothes: When you buy something new donate something used to charity. Buy traditional clothes, but wait for the off-season to acquire them. Go for high quality - not high price. Buy vintage clothing and avoid logo clothing and keep people guessing who the designer might be. Hint: There shouldn't be one!
[For more, read: "Juggling Your Money in the Recession."]
Consumer Electronics: Buy low-end gear that has the basic functionality of the more expensive stuff. Don't be the first to buy new technology. Wait at least one lifecycle so the bugs are worked out. Buy refurbished electronics whenever possible.
Computers: Buy more mainstream computers with proven technology. Select higher capacity hard drives, a decent amount of RAM (the memory that the program runs in) and a cost effective processor. Super fast doesn't always equal super good...unless you are building airplanes or bridges. Laptops are a good compromise between desktops and netbooks. Don't go through the pain of upgrading operating systems on existing computers, it's not time efficient and you will probably go insane trying.
Going green: Being green and frugal go hand-in-hand. Yet frugal millionaires don't readily fall for the trendy green hype machine. They typically buy green if it helps the environment and lowers their costs. They look at the timeframe when a product can pay for itself. They do use compact fluorescent lighting, turn off lights and equipment that isn't being used, monitor AC and heat usage (with programmable thermostats), drive efficiently, live in "right-sized" homes and turn off the water when they aren't brushing their teeth or washing dishes. Because they have trained themselves to not waste money they won't waste anything else either. They get into good habits and keep them going. You can, too.
copy from :
http://finance.yahoo.com/news/How-to-Spend-Like-a-Frugal-usnews-15357371.html
Posted by
CATZ
at
8:37 PM
0
comments
Labels: bla...bla..
kekekee..tajukkk...kihkihkihkih..mencarik sesuap nasik tuh...veryyyy dee....sambung senirik le..
ok..biasanya, sebelum travel, kenalah google2 dulu tempat makan..halal food..
tru zabihah.com atau ko google je lah kiah kat mana-mana blog ke...forum2, laman web mana-mana lah..
so..tru this blog, i'll share maklumat juga yg boleh dimanfaatkan oleh pembaca blog catz ni..
so disamping pi tempat2 menarik ke (aku bukan pegi mana sgt pun..heheheeeee) , so nak share tempat makan halal..sebab catz ada juga baca forum2 travel kat internet. Ada yg ckp makan buah je..mkn fries mc D je...minum air kosong + fruits (kalau lahhhhhh aku boleh mcm tuh..tentu kalau aku duk 2 minggu kat sini, rampinggg perut dan pinggang aku cik temah bila balik nanti)..tak yah aku susah2 buang kederat pi gym..kuikuikui.(dah lah pi gym pun tak kurus-kurus jugakkk..huh).
kat Bangkok ni nak carik halal food bukanlah susah sgt, kalau rajin jalan sikit lah..
salah satu yg kebetulan aku pegi..kat MBK soping complex. nak ke MBK ni tak susah pun.
aku naik skytrain di Chit Lom, sebelah je dgn hotel tmpt tinggal aku.
Oh..naik sky train ni untung kalau amik DAY PASS yg harganya 120 Bath. So if ada day pass nih..boleh le pi mana2 naik skytrain tuh sampai ko penat..untung lah. aku pi gatal beli day pass tapi cumaa pi MBK..motip??..konon2 nak kuar malam tapi malas sudah. huhhh..rugi mak. Pemandangan di depan shopping komplek seberang jln hotel tmpt catz tinggal, AMARIn apa tah nama mall ni. Besar gila.tapi aku tak pi pon, sebab aku lebih suka pi bazar/market...(hehhe..sounds like makcik-makcik ke??)
Posted by
CATZ
at
1:36 AM
14
comments
Catatan lawatan pendek to Bangkok or Krung Thep, ibu negara Thailand.
My 3rd visit to Thailand..
Posted by
CATZ
at
4:45 PM
12
comments
Labels: Bangkok
oh..eiii...
aku tak suka henpon...
benciii.....
wei..kalau aku bawak henpon yg besor botol air tu, ada tak org gelakkan aku?
korang gelakkan aku tak???
ada jual lagi ke henpon size tu?? warna pink plis...
kat mana??
or ada sesapa nak hadiahkan aku henpon size botol air tuh..(kot ada simpan yg lama-lama ke...dari buang baik sedekah kat aku...he he he)
kenapa aku merepek pasal henpon ni??
sebabbbb..
1. dlm sebulan ni..dah 2 kali henpon aku masuk dlm mesin basuh. benci. ada kawan aku suh mandi bunga tolak bala henpon (korang pernah dgr tak??), sebab di percayai akan berlaku lagi sekiranya tak mandi tolak bala tu???..hahahhahahahaaaaaaaaaaaaa.
dan mandi pulak kena bawah jambatan gantung, bunga pulak 18 jenis katanya...
ke ke ke...cuba u ols senarai bunga 18 jenis...keskeskesssssss......ngarut je.. nak kena gi 7 benua gamaknya nak cukupkan 18 jenis? (bunga taik ayam tak masuk senarai ok..)
2.hari ni aku tertonggeng-tonggeng dekat 25 minit kat kereta sebab carik henpon aku..
ok.henpon aku kecik + nipis... dah lah aku penat gila balik dari gym..nak cepat naik rumah. duk kejar nak tgk TV..tapiiii.....disebabkan henpon tuh, aku naik..dah abih dah program tuh. Rasa nak tonggang terbalik kan kete aku carik henpon tuh..sekali jumpa bawah seat daaaa..tah bila dia berjalan.
so..now aku benci henpon.
Posted by
CATZ
at
7:37 PM
21
comments
Labels: bla...bla..
Posted by
CATZ
at
12:17 AM
21
comments
Posted by
CATZ
at
1:11 PM
14
comments
Labels: Bangkok, bla...bla..
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