Cashflow

Dulu, kat UK, hidup bergantung kat elaun MARA bagi every month. Half of it dah kena bayar rent, tinggal half je lagi. Agak2 dalam first 6 months kat Canterbury, Kent memang sangat cheapskate. Asyik nak convert jeee. Masak pulak malas, konon xde cooking stuffs like kuali etc. Capex tinggi tau! So, snack la menjadi pilihan especially ASDA chocolate digestive =_= . Asyik nak convert or tahan nafsu beli barang selalu. Bukan tahan beli barang ZARA ke apa, tapi barang like chocolate milk ke, coklat, ice-cream etc. Dah gi Tesco tu, ternampak benda2 favourite, tapi kena palingkan muka, pikir beratus kali sebab tak nak spend.

Maybe it's my defensive mechanism? Risau duit tak cukup, parents jauh. Tak nak la mintak kan, sepatutnya apa elaun MARA bagi dah cukup. Try to be independent! =) Orang ajak jalan2, tak nak ikut, tak berani nk spend banyak T_T Sedar tak sedar, in a year I save a lot. 

Luckily, things get better. Dah boleh agak how I spend each month, takde lah asyik nak convert lagi.Bila fikir balik, agak sedih life camtu. Tapi in that period, rasa okay je. Rasa 'berjaya' (?). Hahahaha. After that, nak Eurotrip ke ape, boleh jee. Haha. Duit saving memang tak cukup eh mak enon nak jalan2 jauh. My summer job helps me through it. ;) Alhamdulillah boleh belanja parent jalan2 Europe. Kerja buruh tau, aka housekeeping. Nasib baik kerja okay , banyak relax hahahaha.

Ni list nak bawak apa masa gi final exam hehe(random)

My saving student style:

1.Food yang boleh buat sendiri kt rumah di galakkan masak je kat rumah. Sebulan 2-3 kali boleh la makan luar. Hehe. Pernah rasa nak beli costa coffee, tapi terus kaburi fikiran dengan kopi yang boleh bancuh sendiri kat rumah haha. Sometimes, it works la =p

2.Instead beli food kat cafe, beli kat supermarket je. Contoh: Croissant and doughnut. Boleh jimat 50% tau ;) Agak2 rasa macam nak macam pastries, after balik from lecture, terus singgah town, pergi tesco sebab nak beli pastries ;p

3. Kalau nak ambil angin kat town, instead of window shopping, sila jalan laju2 depan outlet. Stop only if ade sign SALES =))) bila stop,of coz saya masuk. Bukan masuk beli, masuk tuk window shopping je hahaaha

4. I'm the type yang saving giler2 1st, then later nak beli apa2 takde la ternganga je =p Oh, kalau nak beli, beli masa sale je kalau boleh ;)


Actually, this post is to remind me how much a saving person I was in uni. Sekarang...hmm,belanja tak pikir pasal saving sangat pon =(

MT

Dah nak masuk 3 bulan bekerja, eceyyyy =p . Still training je pon, not really contributing to the company yet.

Oh, as intro, kena la cakap what kind of work I do kan? I'm now a management trainee.

Apa management trainee(MT) tu?
1. Oooo...yang dekat 7-11 tu eh?
2. Yang kat call center eh?
3. Macam intern la eh? Dapat allowance ke?

Ni lah yang org cakap bila saya cakap saya MT.

When I first time dengar MT pon masa kat career fair at Mid Valley but that one under Aeon Co. a.k.a Jusco. Most company ada MT. Depends to the company, for what position they want to groom their MTs. They will receive trainings to make sure they are prepared for their jobs, mostly for 1-2 years. MTs will rotate divisions/department so that the management can assess them and later, put them in division which they performed well or choosed. Depends kat management la, sebab good performance or sebab division tu byk kosong lagi. Ada company panggil MT programme, ada panggil graduate programme, young leadership programme etc. Baru jumpa CIMB, they called it as Complete Banker Programme.



FOR ME,
I am under investment team. So I will rotate in investment team only; equity, fixed income, dealing. It's a one year training. Baru 3 months training in equity division and I did stock research on Philippines port. Other MTs did research on other sectors & countries. Bro, rasa intimidated kot! Selama belajar ni, kita study dengan org yg sama level kan. Mana campur PhD student dengan undergrad student. Semua ada experience in the company. Luckily, we got buddy system. A colleague/buddy is assigned to each MT to help us in our research. They've been very helpful to us! Just last week, I did presentation about my stock research in front of CIO, Head of Equities, Fund Managers & Analysts. Fuhhh, relieved! Luckily CEO had a meeting that day, sumpah gigil kalau dia attend =_=

Free snacks!

Bloomberg training is a part of our training. It's really crucial to know how to use it.(sape rajin, sila google bloomberg =p ) This is the photo of free snacks that we took at Bloomberg training center at KLCC (there's a lot more at their lobby btw, cheapskate btol hhaha). The colourful keyboard is specialised for Bloomberg usage, but you can use it on any desktop too.

For my company, we are groomed to be a dealer(for dealing) or investment analyst(for fixed income or equity). Oh, there's also MT programme in finance department. For the time being, I'm happy with it. I'm not even half way in this programme, but I'll update insyaAllah hihi.

Hidup berkerjaya

Kerjaya? Kerjaya ke?

Kerjaya la sangat.. =D

Still tengah training, so still belum dapat contribute to the company.
Why I said that? Not me, CEO said that. He means no harm to us btw(fresh grad emplooyees). Real comment by him, "I hope you guys can catch up the pace, so that you can contribute to the company faster". Everytime dia masuk office, I can see him. Just because his office is next to my work station. *Tau tak perasaan cuak, nervous when he started a conversation with u?*. He's nice though =)

So basically, almost finish with equity division. Dah letak TP. Hopefully kena la nanti, so boleh cover my mess presentation last week. Hehe.

I wish I can write about my equity training tapi I'll save it for now. Tak larat. Hopefully, I'll write the post b4 I forgot about it ;)

KayEll

It's been nearly 3 months I'm back home from UK.
Last time I was in Malaysia, summer 2010. (2years tak balik Malaysia) Sure, a lot of things I've missed.For example, the existence of coconut shake, pearl(the topping you put in your drink), and route LRT at KL is exactly like Tube in London which is much easier!

I still remember, 2009, I asked my classmate how to go to MARA Building in KL. I noted every single detail he said. Take STAR from here to here and then change to monorail from here to here, go to another station, so I need to cross some roads. Serious agak gelabah masa kat Masjid Jamek sebab kena tukar station. =_="

InsyaAllah, I'm go start working at KL this November. Accommodation is quite an hassle cause I need to find friends and a place near LRT. Kalau jauh ada kemungkinan jalan sorang2 which is quite dangerous. Plus, I don't have a car to drive from house to LRT. Getting more worried when I read a kidnapping case happened in daylight and at bus stop =( If bus stop yang tengah2 jalan pun ada kes, bayangkan lorong jalan kaki....

I'm just hoping everything going to be fine and safe for me. Praying hard that Allah will give me the strength and braveness to deal with all these. Aminnnn 

Phone interview

 I was thinking to write about it. Because I like it. =D

Basically, the interviewer(let say I call him TI) can't see my face and I don't have to travel for 2 hours to go to KL(there is where most offices located, 4 hours if it's a day trip T_T ). Sometimes, I even make why-I-answer-it-like-that-faces after I answer the questions. Not a great part, I sit at my frontyard for the phone  interview instead in my room(I need big space and air). So, vehicle sound interrupted the interview sometimes.LOL

TI called me at 6:30pm and at that time I was organizing the laundry. He said he's from ** Bank. He asked me if I'm available for a phone interview. Of course I said I'm not free and I asked him to call me tomorrow. Plus, it was late(what time is their working hour btw =_= ).

On the next day, he called again. He asked:

• tell me about yourself
• why should we hire you
• other than malay and english, what other language can you speak (thought of korean language but naaa...I'm not good enough to put it in my CV so I said nothing else =D )
• why do you pick us
• are you willing to work in shift
• what is your career plan
• how long are you willing to work with us
• what will make you resign earlier

One thing for sure, he said, "Good"  most of the time after I answered his questions. It's either just a common comment or I gave him good answer. I'm sure it's the first one...

Other than asking, he explained a little bit bout the position he's offering me and the benefit I will get. He said on the spot at the interview, I passed. Unfortunately, I have to turn it down(to go for face to face interview) cause I got a better offer and I could learn more from the other company.

The whole conversation took about 11 minutes. It's a great experience, going to lots of interview makes me more natural in answering interview questions.

A bank with great service ^^

    It has been 3 years since I open a bank account for myself (I talked like I have to open an account every month =p ). Well, the last time I did it when I was in UK. I have to cause it is for my sponsor to bank in my allowance etc. Today, I opened a current account at Bank Islam. Why Bank Islam? Well, I'm interested in the bank. I read couple of articles about it and I decided to be part of it. Hehe... I'm now a customer there and I wish to be in its management too =D Please..please... give me a feedback... Ya Allah, I hope I'll be one day =)

    Alhamdulillah, I opened the account in 45 minutes (too long, I know). It supposed to be closed in 15 minutes when I reached there. The Abang Guard looked at the time(try to estimate if they have enough time to process my application) before handing me the forms. Luckily, he handed me the forms =D

   After I finished filling in the forms, there were few errors and everything. Eg: failure of sccanning my thumb prints(few times I changed my thumbs for scanning), invalid data. Well. everything is just IT/computer error. I feel guilty because even at 4.30pm (closing time), the staff still trying to finish it. I feel grateful for not asking me to comeback later. I don't really mind actually if they ask me to cause I got nothing to do at home (Well, other than chores). The staffs still smiled and cheerful even I finished opening my account at 5pm. Big applause for the great service! ^^

 
  By the way, I opened LLoyds TSB bank account when I was in UK. It got Islamic bank account ^^  recommend it to anyone who is going to open one in UK. Even when other banks got problems, like no money transfer in couple of weeks(it happened 3 months ago), Lloyds totally haven't been effected by it. ;) Luckily, I got my allowance on time =D

 

 

Interesting chat

I miss my maknae(youngest),Walin so much. The last time she was home, 2nd Sept (she need to get back to her boarding school which is just 5minutes away from home =p ). But after 3days she went back to her school, I started missing her, I miss her existence in our home. Teasing, playing, pinching etc... I thought could meet her last week(during her outing) unfortunately, her school got cuti ganti last week so no outing.  ;(  Finally I got to meet & spend time with her today and this whole weekend. yeay!

A night that full of siblings' jokes....:

Venue: Living room (got a desktop next to the couch)

Just now, I had fun chats with my other siblings. From KLCC, Dubai tallest building with moving floor, silver, loan, investment, science, movie, Lee Chong Wei. My younger brother read a quote from the front page of Lee Chong Wei book, Dare To Be A Champion which he just bought yesterday. "Jika kita berani menonton filem, kita juga perlu berani membaca buku terutama Sejarah (PMR)". Well, it's supposed to be "Jika kita berani menang, kita juga perlu berani menerima kekalahan". My brother just playfully changed the quote to 'motivate' my 2 younger sisters for their coming PMR.

The chat are supposed to be with 3 siblings(me,arep,alin) cause the broken-leg-sister decided to watch a Thai movie, A Stupid Thing Called Love, it is a great movie and I can relate the scenes with my school life LOL . Back to the living room...3 of us playfully joking around and sometimes, the broken-leg-sister menyampuk in the 'discussion' and not really watching the movie. 

*roughly*

Us: "Ah, tak payah, tak payah, stop je la tengok movie tu, sibuk je" LOL

Her: "Orang tengok la"

Me: "Skip kan? Tengok la betul2" (cause I want her to feel the movie HAHAHA)

Her: "Mana ade skip"

Me: "nak akak tanya ke apa scene tadi?"

Her: *grinning with her sepet eye*

All of us: LOL

One of the interesting conversation...

Walin told us about how KLCC was build, the jejantas that won't supposed to be built at first,etc. At the end of her KLCC story telling, "Apela akak ni, Alin tahu tau. Akak tak tahu pon". Guess what my reply..."Okay, macam mana nak kira insurans?" LOL Wahidah! To a 14-years old kid?! I'm so childish =_= She coolly replied, "Alin belum belajar lagi la.."

And of course, the end of the whole conversation, we started teasing maknae and she walked away, don't have enough energy to 'fight' us. =p And tomorrow, I'll start pinching her again =p

Going to night market with maknae was so interesting; running back to our car after rushing buying the foods cause dad was gonna use car to pick up my brother.

Sometimes, there's up and down. Adik-beradik kottt. Air dicincang tak akan putus =D

I wish that we, us will forever be together and happy. Aamiinn.