bussssssyyyyyy days

oh gussssssss.......
what busy days i had recently.......
tiring...
can't give up...
still need to "gambateh" in study,in work:0
now i know once a person have aim..
then they will just fight for it...
ha ha..
that day i meet a TV production people..:)
happy...
hope i can get a job from there..
at least can earn more and can have extra time to do m "busy" stuff...
ohhhh..
i miss him..:)
i love the world when the people around me treat me nice...
full of happiness..
*sweeetz*
maybe i can try to be a blogger someday...
or even journalist..?
am i suit for that?hmmmmmmmm...
i wonder..
ha ha..
but whats d big deal just for trying...
won't die also even fail..

how "true"..???

its really hard to classify the meaning of "true"..

from friends to friends..

child to parent..

employer to employee...

and also between lover...

how  to know whether one is true to u..???

through action?

words??

is that if someone willing to sacrifice anything just for u..

then that's mean"truthfulness " from heart..??

well...

from my view point..

i don't really agree with that...

because human ...

are FAKE..( nowadays it's quite a common thing to be fake)

haha..

even if u do not agree with what i say but thats doesn't mean i m totally wrong...

we can't 100% confirm  our partner love us even he/she always says"love u"
just take it easy and don't be so serious...
we need time to prove the"true"between each other....:)))

thanks for coming^^

hmmmmmmmmmmm..........
thanks...
.for  coming.....:)
for be  by my side when i need u...
for being so caring and thoughtful...

it wasn't like what i say previously...
"that we arent going to meet each other when i need u"
again miracle...:)
i want u to be happy when i m...
but i dont wan u to be unhappy when i m...
cuz i just wanna see u smile....:D


u look so sweet when u SMILE..

i just need "care"

is it really that "happy" to have someone by ur side???
what if d two of u didnt have time to accompany each other??
is good to have someone..
but its just feel "bitter"
when u need"him/her" by ur side just for one hug...
and u cant get it..
bcuz u two arent going to meet each other...
everytime..
when i feel "stress","sad"..
i hope that i can c u...
can get a warm hug from u...
but its just not that easy....
anyway its sweetz to hav someone u love by ur side..
even u two are busy in work..
struggling for "MONEY"
its just worth ..
when it comes to an end..
i appreciated what u had done...
and try to make me happy...
 i hope that u r happy:)~♥
thats enough.....

plan for ur child future:)

Examples of education costs in top universities around the world :

Harvard University, US
	RM
Tuition Fees Per Year :	105,000
Other Expenses Per Year :	33,000
Total Per Year :	138,000
Total for 4 Years :	552,000

---

University of Cambridge, UK
	RM
Tuition Fees Per Year :	64,000
Other Expenses Per Year :	42,000
Total Per Year :	106,000
Total for 4 Years :	424,000

---

Monash University, Australia
	RM
Tuition Fees Per Year :	54,000
Other Expenses Per Year :	25,000
Total Per Year :	79,000
Total for 4 Years :	316,000

---

University Malaya, Malaysia
	RM
Tuition Fees Per Year :	1,200
Other Expenses Per Year :	10,000
Total Per Year :	11,200
Total for 4 Years :	44,800

---

Next to buying a home, funding for a child's education is the largest expenditure most parents will make. The following are some factors that you need to take into consideration when making education planning for your children: 1. Number of children you have. 2. Whether you want your child to attend a local or an overseas university. 3. Number of years you have before your child attends university. 4. Type of course that your child may be pursuing. 5. Current tuition fees and other type of expenses. 6. Currency exchange rate of the country your child wants to study in. 7. Expected rate of increase in education cost. 8. Your current and possible future income. 9. Investment that can be put aside for your child's university education. 10. Expected rate of return from your investment. Key Expenses Tuition fees for universities abroad are normally higher than that of local universities and may vary according to programme or course. Furthermore, you need to consider the rise in tuition fees when making education planning because they can increase quite significantly. Besides that you also have to take into account the following: - Medical fees - Course materials (such as text books and lecture notes) - Transportation (including air fares if studying overseas) - Room and board (if studying overseas or staying in dormitory) - Student activity fees (such as for sports and recreation) - Course-related expenses (such as laboratory fees, library fees, and exam fees) The Key is to Start Early Although it is never too late to start planning for your child's education, it is always best to start as early as possible to ensure you have sufficient funds by the time your child is ready to enroll in a university. Through the effects of compounding, a small sum of money put aside each month can grow into a significant amount.   Ronald has a 4-year-old daughter, whom he would like to send to the University of Cambridge when she is 19. He plans to invest a lump sum figure to kick start her education fund while saving a fixed amount each month to make up for the balance. The first thing he needs to do is to determine the amount he requires by factoring in the inflation rate. Currently, a 4-year course in the University of Cambridge would cost about RM424.000. Assuming an inflation rate of 5 percent, the expense would have increased to RM881.920 by the time Ronald's daughter becomes 19.  Current Expenses = RM424,000  Future Expenses = RM424,000 x 2.08  (15 years later) with inflation (5% per annum) = RM881,920  Ronald invests RM40.000 into an equity unit trust fund which he expects will give him annual returns of8 percent*. Using Table A, replacing inflation rate with compounding rate of returns, he can calculate how much his investment will grow to and what is his shortfall.  Lump sum investment = RM40,000  Total after 15 years = RM40,000 x 3.17(with 8% annual returns) = RM126,800  Shortfall (after lump = RM881,920 - RM126,800sum investment) = RM755,120  To fund for his shortfall, Ronald plans to invest in a portfolio of stocks and unit trusts. Using Table B, he can determine how much he needs to save each month. Assuming he can get 8 percent annual returns* from his portfolio, he will need to invest RM2.190 every month in order to get RM755,120 when his daughter is ready for university.   Amount needed = RM755,120   Monthly investment (with 8% = RM755,120 x 0.0029 annual returns for 15 years) = RM2,190

(copy from website)

我觉得很苦。。

所做的一切。。。
对错我不知道。。。
人家说blog是让人把内心话说出来的地方。。
但我不认为是这样。。
有谁真正了解我。。。
没有。。
人为什么要有感情。。
冷血。。
或许好一点。。
我不知道。。
好乱。。
我应该怎样。。？？

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