9 Step Mudah Untuk Graduan Muda Bijak Mengurus Wang

Panduan ini khusus untuk graduan muda, yang baru memasuki fasa 7 tahun pertama.

Jadi, selama 7 tahun pertama ini,  jadikan 9 langkah mudah ini sebagai panduan hidup.

1. Buka akaun Tabung Haji secepat mungkin. Cukupkan simpanan RM 1,300 dalam akaun dan terus buat pendaftaran haji, walaupun masih bujang dan belum berkahwin.

2. Sasarkan simpanan sehingga wajib bayar zakat simpanan. Dan terus menyimpan menyimpan dan menyimpan.

3. Cari pasangan yang sudi naik kereta buruk sama-sama, asap hitam berkepul-kepul dan menyewa /duduk di rumah kecil-kecil sahaja dahulu.Sekufu dari sudut minda kekayaan.

4. Jangan beli kereta baru yang mahal-mahal. Graduan yang bijak tak terus beli kereta yang setiap tahun harganya pasti turun.

5. Dah bergatal bercinta, terus lah fikir bagaimana berkahwin tanpa perlu berhutang. Menabung. Elakkan jadi raja sehari seterusnya jadi hamba bank 10 tahun. Kalau tak mahu menabung, jangan langsung berfikir nak mengurat anak dara orang.

6. Beli aset sikit-sikit. Mula dengan modal yang rendah sahaja dulu. Apa-apa aset. Bajet khas pelaburan pertama.

7. Buat bajet siap-siap untuk:

• Beri duit kepada mak bapak setiap bulan.
• Bersedekah setiap bulan.
• Melaksanakan ibadah korban setiap tahun.

Wajibkan diri untuk amalkan perbuatan memberi seperti ini sebagaimana kita komited membayar cukai pendapatan kepada LHDN atau cukai pintu kepada Majlis Perbandaran atau cukai tanah kepada Pejabat Tanah.

8. Sediakan bajet yuran pembelajaran pasal urus dan labur duit melalui buku, ebook atau seminar. Barangsiapa yang tak melakukannya bersedialah membayar cukai kebodohan pada masa hadapan nanti.

9. Pekakkan telinga dengan kawan-kawan yang asyik ajak melancong, minum kopi Starbucks / ngeteh malam-malam dan kutuk kita sebab tak pakai telefon berjenama mahal. Kalau kita tak cukup duit, ada dia nak bagi duit dekat kita ?

Masuk sahaja fasa ke-2, iaitu 7 tahun kedua, tuan pasti tersenyum lebar…

sumber : Pak Di

Android Kitkat (for nexus 5 only..currently well not all for sure)

Beautiful & Immersive

A more polished design, improved performance, and new features.

Just say “Ok Google”

You don’t need to touch the screen to get things done. When on your home screen* or in Google Now, just say “Ok Google” to launch voice search, send a text, get directions or even play a song.

A work of art

While listening to music on your device, or while projecting movies to Chromecast, you’ll see beautiful full-screen album and movie art when your device is locked. You can play, pause, or seek to a specific moment.

Immerse yourself

The book you're reading, the game you're playing, or the movie you're watching — now all of these take center stage with the new immersive mode, which automatically hides everything except what you really want to see. Just swipe the edge of the screen to bring back your status bar and navigation buttons.

Faster multitasking

Android 4.4 takes system performance to an all-time high by optimizing memory and improving your touchscreen so that it responds faster and more accurately than ever before. This means that you can listen to music while browsing the web, or race down the highway with the latest hit game, all without a hitch.

Smart & Simple

Google smarts improve every corner of the Android experience.

The future is calling

The new phone app automatically prioritizes your contacts based on the people you talk to the most. You can also search for nearby places and businesses, your contacts, or people in your Google Apps domain.

A smarter caller ID

Whenever you get a call from a phone number not in your contacts, your phone will look for matches from businesses with a local listing on Google Maps.

All your messages in the same place

Never miss a message, no matter how your friend sends it. With the new Hangouts app, all of your SMS and MMS messages are together in the same app, alongside your other conversations and video calls. And with the new Hangouts, you can even share your location and send animated GIFs.

Emoji everywhere

Sometimes words can’t express how you feel. For that, there’s Emoji, the colorful Japanese characters, now available on Google Keyboard.

Grab & Go

New features help you get things done while you’re on the move.

Print wherever, whenever

Now you can print photos, documents, and web pages from your phone or tablet. You can print to any printer connected to Google Cloud Print, to HP ePrint printers, and to other printers that have apps in the Google Play Store.

Pick a file, any file

From apps like Quickoffice, you can open and save files on Google Drive, other cloud storage services, or your device. And with quick access to recently used files, it's easier than ever to send the file you were just working on.

Your office, anywhere

Create and edit documents, spreadsheets and presentations from your phone or tablet with the newly redesigned Quickoffice