Thursday, March 1, 2012
Cara Zikir Ya Latif
Solat Dhuha 1
Selawat Ismul A’zam
Ganda Kekuatan Seperti Gajah
Tips Mencari Lawyer
Soalan :
Saya ada kemusykilan dalam memilih firma guaman di mana dalam ebook ada mengatakan pilihlah firma guaman yang merupakan panel kepada bank yang memberi loan kepada kita tapi kita belum dapat tahu lagi bank mana sebab untuk apply loan kena ada sekurang-kurangnya draft S&P dulu, so macamana?
Cara AE :
Kebiasaannya sebelum kita membuat permohonan pinjaman, kita biasanya akan membuat survey terlebih dahulu tentang bank manakah yang menawarkan pakej pinjaman yang paling menarik, betul tak? Semasa kita membuat survey, pastikan juga list of their panel lawyers berada di dalam genggaman kita. Sebagai contoh, jika 3 buah bank yang kita survey, maka perlulah ada 3 list of panel lawyers yang akan kita perolehi dan menjadi satu kebiasaan juga, out of that 3 banks pasti kita mempunyai pilihan bank kita sendiri yang menawarkan pakej pinjaman paling menarik. Mengambil contoh Bank A sebagai pilihan pertama kita sebelum diikuti dengan Bank B dan Bank C. Ini bermakna sekiranya pinjaman kita diluluskan oleh ketiga-tiga bank tersebut maka sudah pasti Bank A yang akan menjadi pilihan kita. Untuk itu sudah semestinya sedari awal lagi kita sudah boleh memilih lawyer firm yang menjadi panel kepada Bank A. Walaubagaimanapun suka aku nak ingatkan selain daripada list of panel lawyers yang perlu korang minta, satu lagi tips yang ingin aku berikan ialah, cuba ajukan soalan berikut kepada banker tersebut :
“Your bank boleh pakai lawyer ad-hoc tak?”
Jika jawapannya “BOLEH”, maka korang tak perlu risau dengan persoalan di atas kerana ia membawa maksud walaupun korang punya lawyer S&P tidak berada di dalam list of their panel lawyers tetapi lawyer S&P korang tu masih lagi dibenarkan untuk mengendalikan segala urusan loan documentation bank tersebut. So, chill beb!!!!
AE : Harap-harap takde la lagi soalan lanjutan dari jawapan aku ni..
Some Car Tips Guys Need to Know
Some Car Tips Guys Need to Know
When you talk about cars, man’s eyes will light up like a child. Most guys are captive with the automobile world and crave to own an exceptional car that fulfilled their dream. So what happened if they are able to do so? Here are some tips which were compiled to give them a guide in handling their new love.
1. Windshield should be rainproof
It is advisable by car manufacturer to replace your windshield blade every three months to protect the longevity of the wipers. Spares can be kept in the truck for future usage. Besides, usage of products such as Rain Clear can also minimize the usage of the wiper, simply by spraying it onto the windshield few weeks once, it will washed away the rain drops effortlessly. Also practice minimum usage of wiper to prolong the longevity of it.
2. Minimize washing your car yourself
The amount of water used when you wash your car is approximately 20 times more then a professional car wash. Therefore, according to environmentalist, it is better to visit a professional car washing company than to do-it-yourself. Also, according to a research done by the University of Texas, it is confirmed that if you wash your car by yourself, the tendency of scratching it is higher. Plus such scratches will have a depth of one tenth of the paint’s total thickness.
3. Avoid distractions
While driving, we tend to come across various distractions, for instance, the switching of radio channel, dialing of number from your phone, replying a text messages, or even eating. It is recorded that when you are performing such actions, your eyes will tend to focus on your hand, thus distract you from looking at the road, thus increasing the tendency of road accidents. As documented, we need 5.5 seconds to switch a radio station channel. Besides, dialing a phone will triples you risk in meeting a car accident while reaching for an object raises it nine times. Replying a text is the worst of all, because when you are carrying out such activity, the chances of you meeting with an accident increased by 23 times. Therefore, it is crucial to eliminate all distraction while cruising. Better safe then sorry!
4. Adjust the height of driver’s seat
Drivers that have higher seats often feel that they are moving slowly due to the high centre of gravity. Therefore, by lowering the seats, and by pulling the centre of gravity lower drivers will click softly at the oil paddle as they feel that they are moving faster than expected. Therefore, it is proven that the higher you are the faster you will drive, hence to feel the power of speed, lower your seats and enjoy the momentum while moving forward!
Some Car Tips Guys Need to Know
Some Car Tips Guys Need to Know
When you talk about cars, man’s eyes will light up like a child. Most guys are captive with the automobile world and crave to own an exceptional car that fulfilled their dream. So what happened if they are able to do so? Here are some tips which were compiled to give them a guide in handling their new love.
1. Windshield should be rainproof
It is advisable by car manufacturer to replace your windshield blade every three months to protect the longevity of the wipers. Spares can be kept in the truck for future usage. Besides, usage of products such as Rain Clear can also minimize the usage of the wiper, simply by spraying it onto the windshield few weeks once, it will washed away the rain drops effortlessly. Also practice minimum usage of wiper to prolong the longevity of it.
2. Minimize washing your car yourself
The amount of water used when you wash your car is approximately 20 times more then a professional car wash. Therefore, according to environmentalist, it is better to visit a professional car washing company than to do-it-yourself. Also, according to a research done by the University of Texas, it is confirmed that if you wash your car by yourself, the tendency of scratching it is higher. Plus such scratches will have a depth of one tenth of the paint’s total thickness.
3. Avoid distractions
While driving, we tend to come across various distractions, for instance, the switching of radio channel, dialing of number from your phone, replying a text messages, or even eating. It is recorded that when you are performing such actions, your eyes will tend to focus on your hand, thus distract you from looking at the road, thus increasing the tendency of road accidents. As documented, we need 5.5 seconds to switch a radio station channel. Besides, dialing a phone will triples you risk in meeting a car accident while reaching for an object raises it nine times. Replying a text is the worst of all, because when you are carrying out such activity, the chances of you meeting with an accident increased by 23 times. Therefore, it is crucial to eliminate all distraction while cruising. Better safe then sorry!
4. Adjust the height of driver’s seat
Drivers that have higher seats often feel that they are moving slowly due to the high centre of gravity. Therefore, by lowering the seats, and by pulling the centre of gravity lower drivers will click softly at the oil paddle as they feel that they are moving faster than expected. Therefore, it is proven that the higher you are the faster you will drive, hence to feel the power of speed, lower your seats and enjoy the momentum while moving forward!


