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...a.l.i.v.e....

...by shazzain | Labels: ,

I'm at India...currently attending my mum's high-school reunion..."Sacred Heart Yercaud" & "Monfort Old Boys" Reunion..It has been great the past few days, and its coming to and end, we will be leaving for Chennai tomorrow...(cousins i.e. Muna & Asif take note!)

I'm just glad to be alive...after what happened last night...

It started out a very cheerful night with us attending the Grand Ball of the SHY & MOB reunion 2010 here at Yercaud...there were the usual welcome speech, dinner & dances, thank you speech, desserts (rasmalai & ice-cream)!...we all had fun...I was dancing too..after much persuasion...must have made a fool of myself..ohh well..we had fun..

at 12 midnite we wanted taking the bus back from Grand Palace to Sheveroys Hotel, the bus was nicely parked at the lobby area..we all got on to it, as I was getting on, a girl came and asked me to hold the bus while she went back to the hall to get her friends, so me having the responsibility to hold the bus was extremely alert...

You see..the bus started moving (very slowly), inspite of me informing to organizer and driver to wait...so I got off my seat immediately told to organizer to hold it, I turned at look at the drivers seat only to see that there wasn't anyone at the wheel!! (tamil / hindi drama huh? not so much time...it was real!)

I panicked, we were right in front and the only ones who knew what was going on... my mum & I screamed that there was no driver to the organizer and to alert the passengers.. (while I was contemplating / thinking whether I should just jump into the driver seat and stop the bus myself - but I knew I didn't know how to operate it plus I couldn't fit in that small area!..thank God Chuksu (Leslie Fonceca) the organizer jumped into the moving bus that was headed down hill (yes real hero! God sent - he knew how to operate buses)... as it was gaining momentum, he dived to the drivers seat, managed to get hold of the steering wheel and maneuvered the coach (bus) away from the direction it was headed and the parked cars alongside as we crashed on to the wall / hedge near the pin bend...the bus would have gone downhill if it weren't for his fast action...I thank god..there were 7 of us on the bus and I can't imagine what could happen if he didn't stop in on time..we would have toppled over with the bus downhill...and ... maybe survived with horrible injuries...

The bus was at the end of the broken concrete hedge, tilted to the right, with the 2 right tyres hanging out of the hedge, we got off immediately, but my aunt got hit at the knee, she couldn't move, she was in pain, but thank god no fracture, she could get up and walk out. She's fine now, walking around..but off course enduring the pain..(no worries Noria, your mum is fine. needless to say, all the passengers were shaken but we were fine too..Syukur Alhamdulillah...

The Survivors (lucky 7)...[updated]



The Survivors (only 5 here) with our Hero...[updated]



I'm still shaken, but I kinda feel a lot better after writing it out here...well, I will never get onto a bus with no driver at the wheel anymore! got to go now...pray for our safety...salamz..

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...by shazzain

3 idiots again...Aal izz well!...

...by shazzain | Labels: , ,

09 Jan 2010: lepak & catch up session with 'upper kes' gang minus 2...Happy Birthday Tomek (10 Jan) & Congratulations on the new title...=)


10 Jan 10: Missed two weddings..Selamat pengantin baru to my schoolmate Jamiatun & Hubby and to Pejal & Ain - sorry couldn't make there...


11 Jan 10: Catch up session with Dina..Dinner at Manhattan Fish followed by supper (?) at Harrods...this cake is just soo heavenly...(harga sekali la)

Doing cake reading with the plate...haha! Wanna try the Hi-tea here soon..macam menarik...


12 Jan 10: '3 Idiots' again...with another 3 Idiots wannabe! hahaha (sorry gurls!)


Loved the songs too!

1. Zoobi Doobi

"Zoobi doobi zoobi doobi pum paara
Zoobi doobi param pum
Zoobi doobi zoobi doobi naache kyun
Paagal stupid mann"

2. Give Me Some Sunshine

"Give me some sunshine
Give me some rain
Give me another chance
I wanna grow up once again"

3. Aal Izz Well

"Jab life ho out of control to honthon ko kar ke gol
Honthon ko kar ke gol seeti baja ke bol
Aal izz well
Murgi kya jaane ande ka kya hoga kya hoga
Arrey life milegi ya tawe pe fry hoga ho ho
Koi na jaane apna future kya hoga kya hoga
Honth ghuma seeti baja seeti baja ke bol
Bhaiya aal izz well
Arrey murgi aal izz well
Arrey bakre aal izz well
Arrey bhaiya aal izz well
Na na na ..
Arrey bhaiya aal izz well Arrey bhaiya aal izz well"

Aal izz well!!

p/s anyone with the mp3 of this 3 songs, I nak pls? =)

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...by shazzain

=)

...by shazzain | Labels:

Alhamdullillah...I passed...!!

I'm soo happy...another 2 papers to complete CIFP part 1..wish me luck!!

I should try applying for the fisabillillah fund...some kinda help financially will be nice..

xoxo!! :)

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...by shazzain

Hey Ladies!

...by shazzain | Labels:

This song has been stuck in my head since the latest karaoke session...but I like it!

I hear you Rossa!!

Sudah kubilang jangan terlalu yakin
Mulut lelaki banyak juga tak jujur
Bila sakit hati wanita bisanya nangis

Sudah ku bilang jangan terlalu cinta
Kalau patah hati siapa mau nolong
Seperti langit dan matahari tak bersatu lagi

Hey ladies jangan mau di bilang lemah
Kita juga bisa menipu dan menduakan
Bila wanita sudah beraksi dunia hancur

Hey ladies sekarang cinta pakai otak
Jangan mau rugi hati dan juga rugi waktu
Bila dia merayumu ingat semuanya bohong

Memanglah tak semua laki-laki busuk
Namun ladies tetaplah harus waspada
Semogalah kita semua akhirnya
Mendapatkan cinta yang tulus

Sudah kubilang jangan terlalu yakin
Mulut lelaki banyak juga tak jujur
Bila sakit hati wanita bisanya nangis

So like Azita says (here)...love yourself more and better not to be too obssessed with a guy...everything we have is on a loan from Allah...I keep telling myself this...its very important that we remember this at all times no matter how successful we are in any way..be it in a relationship or material wealth...

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...by shazzain

Personal credit risks...

...by shazzain | Labels: , ,

What is credit risk…
The risk of loss of principal or loss of a financial reward stemming from a borrower's failure to repay a loan or otherwise meet a contractual obligation. Credit risk arises whenever a borrower is expecting to use future cash flows to pay a current debt. Investors are compensated for assuming credit risk by way of interest payments from the borrower or issuer of a debt obligation.

What is pre-settlement risk
The risk that one party of a contract will fail to meet the terms of the contract and default before the contract's settlement date, prematurely ending the contract.

What is settlement risk
The risk that one party will fail to deliver the terms of a contract with another party at the time of settlement. Settlement risk can be the risk associated with default at settlement and any timing differences in settlement between the two parties. This type of risk can lead to principal risk.

-source investopedia.com

This is not only peculiar to big corporate, businesses & banks but also to our daily lives...Say you give out a lending to someone coz that person is in need of money, but how sure are you that that person will pay you back? If you had an experience dealing with this person and not receiving your money back on time or never getting it back, most of the time we won’t lend out…they can be family ,friends, acquaintances…it all applies…

For me, whenever there is a celebration like a new born, birthdays or a wedding, I normally get the present on shared basis…so that we could buy something big and useful…but there’s a problem when sharing comes into the picture, the collection of $$... some people, even after going after them for payment...ala2 mild version of style ahlong or bank collector, they still don’t pay…! to me…I don’t mind if you tell me when you are able to pay, give me a date so that I can close my books, I am too tired of chasing for money from people (yeah my money!). Sometimes I forget, and that person forgets, and then who is at the lost? Also something I have written off many times & I am sure some of you too..sebab tak reti ask for your own money back…somehow rasa bersalah to ask for money from friends or family…That is why I always emphasize on receiving payment asap or on agreed date…not because I need it or what (well sometimes I do)..but I juz wanna close my books…no confusions later (as I am human and could forget who has paid & who hasn’t..closing the book makes it easier!)…really I’m getting tired of some people’s behavior when it comes to clearing debt…there’s so much easy methods to do it, issue of not meeting up is not a problem as there always online methods like maybank2u, cimbclicks, amonline etc…what’s the problem then? No money..get a credit extension from the borrower…at least that person knows he/she will not be receiving it and make necessary follow-ups later…and what’s with the lender having to follow up, if you owe someone, have the responsibility to pay up before being asked for it lar…

I’m not talking about recent experiences only but all my experiences in this field…I find it annoying that people can behave in this manner. Sometimes I admit I do forget, but I try to minimize it by paying immediately either cash or online transactions…but when someone reminds me…I do it immediately…unlike some people who claim that they are too busy or don’t have the means to do it…if you keep a debt too long is that good? You know that money generates money…it’s not fair to take advantage of a qardhassan. At times I do have to ask people if they have paid or not, coz I lose the follow-up process and end up at and awkward situation, especially when the person has paid…well sorry peeps sometimes that happens…also when those people that have banked in did not inform…you have to tell and let us confirm payment, else again..confusion!!…sometimes money comes into the account but we don’t know from who…pls tell me so that I can strike off your name from the list (yeah there’s a list now!) huhu

It’s hard enough organizing a gift and finding people to share, the least you could do is respect the organizer and pay up on time or soon…no biggie here…and mind you sometimes the organizer too can be having cash flow problems therefore pay up asap…! Do I need to make myself any clearer? This is not me being petty…it’s taking back what rightfully mine…(some ppl must be saying berkire sungguh shaz nie!) well too bad…I don’t like people taking advantage of me or other lenders…haha!

Another thing about those ppl receiving this shared presents…most of them are costly items, and since its shared, please do not only convey the ‘thank you’ to the organizer alone or the person delivering it...but have the courtesy to send a “thank you” sms/ email or whatever to all those that shared…like that’s simple manners & courtesy…don’t take for granted that people know that your thankful or what…even if you don’t like the gift, what’s wrong with some appreciation huh? People did take the trouble to go get it & organize a sharing scheme…
Bukan tak ikhlas…jangan salah sangka…but it annoys me how some people behaves…

Sorry pada yang terasa….Peace 2010! Sekadar mengingatkan…

I think I’m gonna stop organizing gifts…it’s too much of a hassle & credit risk…lepas nie hadiah kecik2 jer laa from me…or I’ll juz join when someone else initiates & organize… =)

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...by shazzain

Chocolate Fair 2010!

...by shazzain | Labels:

This was in the mail...sounds cool! But I hate the area & parking is bi*ch..was there just a few days back...so I don't think I will be going...for those interested...pls do & let me know how it went...=)

Dear All,

You are invited to visit Malaysia 1st Chocolate Fair 2010. Schedule from the 8 – 10 January 2010 at the Mid Valley Exhibition Centre, the fair is open from 11.00am to 9.00pm daily. Lots and lots of chocolates to be won!

Delicious sampling of both local and imported chocolates.



You will find chocolates from Russia, Switzerland, Australia, Germany, Austria, Iran, Belgium, US and of course, Malaysia. Activities includes chocolate making demonstrations by renowned French chef, quizzes, chocolate appreciation open to ALL VISITORS.

FOR MORE INFORMATION, VISIT www.chocolatefair.com.my

ADMISSION IS FREE !!!!!!



Have fun peeps!!
xoxo!!

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...by shazzain

NY w'kend - welcome 2010!

...by shazzain | Labels: , ,

Updating my online activity journal with activities done during the long weekend...xoxo!!


31 Dec 09: New Year Eve - Karaoke!!


Red-Box had a countdown party with games n all..musical chairs and lucky draw..we walked away with a sparkling non-alcoholic something...it's still there at home..haven't tried it yet! hahah...

01 Jan 09: Woke up late, played games on FB, waited for Suria, went to work for about an hour - data capturing for Month / Year end, then...movie Muallaf with Suria @ KLCC - TGV KLCC really pissed me off this time...I bought the tickets online as usual, and the line for tel booking / collection was long, not only with ppl that made reservations but some ppl than just felt it was ok to cut cue and take the shorter one by queing up at the wrong lane but they still got to purchase the tix, where's enforcements??! they should just be sent away to the correct line!. And we were there on right at 5pm when the movie started, we just cut the que and got our tix since we already paid for it(not something I enjoy doing btw)...why I am angry is that, they should have a counter just for online purchase pick up! what's the point if we're gonna have to que up together with reservations made or even those ppl that are buying it on the spot..they take up time at the kaunter by choosing seats and all...we on the other hand had already purchased them...so they should have another priority counter! GSC let's us pick it up at the Gold Class counter - learn from them lar..that's soo much better! (luahan perasan jap!)...anyways...later went back home & continued playing games on FB...addict now on Sorority, Cafe World & Farmville!!



02 Jan 10: Lunch @ Tony Romas - The Gardens


Just felt like seeing this place..I have never been to The Gardens before, have been getting the invites via some bank's Robinsons Credit Card, but ignored them since the time they started...kinda nice...hmm and (gossip from MGG's!!) I saw a friend (? - not anymore) with some guy...scandal kot! but they didn't see me, I wasn't interested to be seen either! - that person just never learns!! (nak jadi perampas kot!!) anyways later after lunch...went karaoke again...too much in week? heh not!!..going again today (04 Jan 10)! huhu!


02 Jan 10: Dinner @ The Apartment KLCC


Later at night met up with Azita & Elaine for dinner...again I have been eating a lot!! weekends just spoils my whole diet regime, err not that I am on one..but I don't eat this much on normal days...to who & why am I explaning myself again? hmm..(rasa bersalah!)

03 Jan 10 - visiting Adriza & Falah's newborn baby Alia Zafira...pix up later k!

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