>Ameer Zachery<

Income / Expenses 2012

2012-05-21T11:27:00.000+08:00

Let see now. Roughly I am able to know how much my monthly money flow from this chart I just created. Yeah. I really have nothing to do now apart doing this sort of random stuff.

Income

As you can see from my current Income chart, most of my income came from my fixed income. My business sales and loan are my variable income. So for now I need to increase my business sales to about 5% to compensate with the stock purchases. I am still studying other aspect to increase my income from time to time. Other than that, I am having quite a stable income.

Expenses

When it come to the Expenditure chart. There still few room for improvement. Since my parents will be receiving a 50% from my basic salary, the rate of ~31% will be a fixed expenditure. As for loan, this year there will not be any increment or reduction.

The investment are fix at 2%. However, additional 99% increment of one time investment is being finalized by the end of this month. The credit card usage and payment are mainly due to backdated spending and progressively being cut down to as minimum as possible. I am expecting to reduce the credit card usage this year to 10% by the end of 2012.

The donations will be increase to 7% proportionate with the reduction of credit card.

Saving are included under self and will be maintain at 10% for this year. Apart from that, miscellaneous expenses will be recorded under self such as repairs, petrol, and personal expenses.

Dropbox

2012-05-08T01:38:00.001+08:00

Sharing is caring.

So what other way to do it by doing it via online file sharing. I know we have a lot of option but I find that with Dropbox you could do it as your very own back up (just like iCloud) or you sharing with your fellow friend.

It's easy and it even run on the background so you don't have to wait while doing other things. The plus side of Dropbox is every time your friend registered from you you will get additional 500MB for FREE.

That's cool right? So register now. Better yet register from me so I can get FREE space too.

http://db.tt/LhqWJwrd

Mommy Dearest

2012-04-25T03:41:00.001+08:00

By now I'm sure some of you know that I'm actually a mommy boy. Yup. I admit that myself too. I love my mom obviously.

You see I talked to my mom almost everyday. Well basically just giving her updates on things that going in my life. I lived on my own. Yeah she been nagging me to come back home and stay with her but I am not used to living in 'rural' area. Haha. She is most welcome to come and stay with me if she wish. But knowing her, she won't.

It's very common for us to fight from time to time. It's not that I hate her or anything. It's just a very constructive exchange of ideas. Plus regardless of our argument, when she too lazy to argue she just continue watching the tv and ignore me.

Oh ya. I am also her personal secretary. Basically I did everything for her. My brother not so much. She know I am more reliable compare to my brother. Plus knowing me, I am kind of a perfectionist. So I know when to get things done accordingly.

My mom loves to travel. It's like a sign contract with her to plan for places to go every 2 months. Sometimes I can't cope up with it since I'm mostly busy with my work. Leave hard to get these days.

So don't be jealous of me ok. I'm sure most of you too are mummy boy.

Happy Birthday Mom!

Limited Access Online

2012-04-18T22:21:00.001+08:00

I've notice that some artist impose a restriction to people or even block especially when it come to music video. I really don't understand the need for them to block for viewing. How else do they expect to know about the song. People want to know if it's good or bad before deciding to buy the album. I mean come on.

I love artist such Adele who really don't care or afraid of people downloading her song. You see when people see how good the music are, they wouldn't mind buying the album. Without any restriction or blocking I am able to fully enjoy the music online. Heck they even put out the whole DVD album for viewing. In turn, fan like me will buy the music even though I could just download it. So artist shouldn't be afraid of letting people know about their music. If its good, it's good. People respect that.

Yay! To Adele and others who openly share their music.

and

Boo! To those artist who block or impose restrictions to viewers. Your lost not mine.

Spend All The Money

2012-04-13T18:29:00.001+08:00

As I promise myself few years back, I no longer take account of my spending. I told myself that everytime I travel I would use the Business Class seat unless its a foreign airlines and I did.

Plus, I am spoilt with the luxury, I can't really stay at normal hotel room nowadays. It's should be greater than a Deluxe room and if I'm not happy with the interior I will change it to a Suite.

Life to short. So I'm enjoying it while I can.

Show Your Wealth

2012-04-05T14:56:00.001+08:00

Some of you might find this to be disturbing. Some might even feel irritate to the idea. As for my opinion, I do believe telling people how rich you are does beneficial to both party. Still there are pros and cons for the action.

It's not to brag or being snobbish. It just to tell people how much you have achieve in your life. Like example for business man, they are require for them to show how rich they are. Why? The reason being is simple. When people see your asset, they will be more confident doing business with you. Have you seen any rich man driving a Kancil car and said he earn millions. No right? People will start questioning him if he is telling the truth or he just trying to cheat your money.

Some how I can say its not our culture for the need to show you wealth to others. Some people find it to be intimidated by such action. I believe also jealousy from other will come after. You see, to me I'm happy to see other people rich. It makes me wonder, how can I be just like him/her. Yes you can say rich people don't share their knowledge but with some who does, make full use of such informations given.

DON'T get jealous. DON'T get angry. Nothing in this world is easy. Money doesn't produce from trees. So instead of hurting those who achieve well in their life, try to be like them. I hate when people complaints that rich people like showing off. No. They are not. They are simply enjoying their life from their hard earn money. They work for it, so they have every right to enjoy it. Well, exception given to those who really deserve a slap on the face for being snobbish.

My target in life is to be millionaires and I have been trying my best to reach my target. Nothing is easy but nothing is impossible as well. I have a friend who had nothing. He was poor as he lost his job. However, he never give up. Yes, I helped him even though he never asked for anything. He worked hard. Looking for any job he can grab. Started from below and now just short of a year working he is a manager in his company. All because he never give up and work hard to make money.

Money is never enough. But oppotunity are abundant. You just need to know how to get it. If you are lost, don't feel shy to ask for help (not ask for money but ask for knowledge). Surely people will glad to help you achieve your target.

Nonetheless, always be careful with your surrounding. We can never know how safe we are. Strangers mind aren't easy to predict. So you must always know what you are doing.

Life Update 2

2012-03-31T14:28:00.000+08:00

Exam is coming up in two weeks time. I should be studying by now but still I don't have the will to open any books to read. Maybe April 1st would be a good time to start. Just giving myself a break for a day or two this time.

I realized that I managed to archived some of the new year resolution already. I was happy with such achievement. After all I created a whole bunch of target just to keep myself going. Personally it's a good way for people who is as lazy as I am to make myself useful.

I do love giving donation. My problem was it did not recognize by the government the last time I did as they said the orphanage and school did not apply for the tax rebate from the IRS. So instead of just helping me to fix the mistake, the IRS charged me RM300 as compound saying I falsify my tax. It's just made me sad and I cancel all my auto-debit donations to all charity. I decided to just give directly to the homes things they can use instead of money now. It's sad that when you try to help other, you got fine for it.

My sales at the moment already reached RM4700 and it just two months since I started doing the business. Although the profit is not that much, I am just happy that I could reach my target beyond my expectations. So I am preoccupied mostly trying to broaden my scope of products. See how the market are.

I need a break. A proper break. I wish someone would help me planned all my holiday for me and I just relax enjoying it. I'm a planner so I am still the best at doing all the planning. I did gave my friend a try to plan for our trip and I had to take over once we were lost. Yeah! I purposely go with the plan until I see it's critical before I jumped in. I'm just very detail when it come to planning. No matter how lazy i say I am, I would still end up making the proper plan for my trip.

Maybe I have OCD?

Maybe I am a perfectionist?

To be continue.....

Spring Cleaning

2012-03-29T22:36:00.000+08:00

Finally, I decided to do some spring cleaning at the house. This house in dire need some make over. I can't really do much on the physical part of the house but I could tidy up my stuff.

Everybody visited this house noticed that the house is messy with the small small stuff which need to be thrown or kept away. So today is the day I said goodbye to some of the stuff. Well most of it. I have a lot to do actually and I did it part by part. The living room, dining room , wardrobe room, kitchen and lastly the bedroom.

Oh ya, thanks to IKEA boxes I could hide most of the stuff in it and now I think I have too much clothes. Weeeee!!!

I Do Feel Tired Too

2012-03-21T00:42:00.001+08:00

Sometime my parent don't understand how tired I am with my work. Apart from my work I have to handle some of their works too. So when do I rest?

I make myself free to go home to my parent place at least twice in a month. The rest I really want to just free to do my stuff.

I know if I just stay put and do nothing, how do I move forward in life. How do I get all my target achieved? I've been pushing myself to work harder until I forgot how to rest. I actually can feel the fatigue hitting me now. So when I told my parent I want a break I really want them to understand that I'm dying of one.

I've have been so busy lately. I don't have time to hang out with my friends like I used to do. Haih.

Time only stop when you die. Well it's the price I have to pay for now.

"When you have time, you don't have the money to enjoy it but when you have the money, you don't have time to enjoy it"

Life Update

2012-03-20T23:09:00.001+08:00

I noticed that I've been working a lot lately. I know I should give myself a break from time to time but I just don't know what to do when I'm alone.

I'm earning more than average people in my country. To be exact at about 8x more than a University graduates and I'm very grateful about it. I'm happy for the work I have right now but I don't know how long will it last. As for now I'm just grateful to have a job.

I learned a lot in life. Just my love life seem to be at the dead end. I can't decide what I want when it come to love. I just doesn't really seem to care to put an effort to it. I was hit really bad on my previous relationship. So bad I was not able to stand up from my fall for almost a month. I told myself one day I must left it behind and go on with my life.

I guess the reason why I don't care is because I used to care so much and got hurt so bad. How do you recover fully from that?

I still reminded of my past. Lately I felt nothing is right in my life. I don't know what is wrong but it's like my heart telling me something I couldn't understand. I don't really know how to get rid of the feeling. There is no 'off' button that I could click on.

I love to travel but at the same time I'm trying not to overspend my money. I'm trying to save as much as I can and pay off any remaining debt I have. I wanted to be debt free. It's not easy to accomplish as my spending nature is terrible. I need more money. Well who doesn't.

To be continued.....

I'm Too Fat

2012-03-12T22:16:00.001+08:00

That is it. I ate too much causing my weight to gain drastically. It's my fault. So it's time for me to fix it.

Gaining is easy. Losing is extremely difficult. So I've decided to change my diet intake effective immediately.

- No rice
- No cheese
- No pasta
- No canned drink
- No sugary drink
- No fast food
- No fatty food
- No overeating.
- No to what I think should be a No.

I need to discipline myself in order to achieve my target.

I need to lose 10kg. I shall do my best.

Stress Can Kill

2012-03-06T11:04:00.001+08:00

Out of the sudden I felt so stress when I'm back home. I feel so happy when I'm out of the country actually. Maybe it's time for me to move out from this house and find a new place to live in. I use to call it home but now it feel like a dumb to me.

Don't get me wrong. This house is perfect just for me to stay. Low rental, great location and such. But the ONE huge thing affecting it now is it past. A terrible past which making me stress everytime it triggers in my memory. What would you do?

I can't own this house. I don't think I have enough financially to own this house since I already in debt with all my other houses. Great move for long term but pain in the ass to pay off the loan. If I were to own this house I will renovate it to the max until I myself won't even recognize it.

Stress is a bitch and I'm getting emo just thinking about it. What the hell happen to me?

Arrrggghhhhhhhhh!

Messy House

2012-03-01T22:57:00.000+08:00

I seriously think I can't keep up cleaning up the house anymore. It just so messy no matter how I clean it. My main problem is I keep all small small thing which ends up piling up as huge thing.

Maybe I need to throw away some stuff form this house to clear up a little bit. I shall.

First will definitely call the maid to come and clean the house first. The rest will come soon.

Haih. Tired.

Still I Can Never Forget

2012-02-25T18:18:00.001+08:00

It has been awhile since the breakup. I know it's for the best. It's for my best. But why I still do feel sad when I'm all alone?

It's take time to heal a wounded heart but apparently my heart is still bleeding. How could I forget my past? I need to forget my past. It's hurt even thinking about what had happen.

I can put a smile on my face and cover the truth from people. The fact is I'm breaking down slowly. It's getting worst weeks by weeks. I'm afraid if I keep this up I would just snap and lost it.

Why can't I stop thinking about the past? The dark past I had with someone daring enough to cheat on my right in front of my eyes. Someone who stab me through my heart, didn't have the courtesy to properly break up with me before having a new relationship. Someone who bring the new lover in my house and act like nothing is wrong.

Yet I'm still hurt until now thinking about it. Am I that bad until I had to be hurt so badly? I've forgiven every single wrong doing that ever done to me. I'm not evil.

I need to forget my terrible past. I just need to smile honestly and not faking it. I need to be free. I just don't know why I'm still stuck thinking about it.

It's gone. It's gone. Let it be gone. Let me forget.

Facebook Privacy

2012-02-14T15:57:00.001+08:00

I deactivated my Facebook for a few weeks due to some personal reason. It seem that some would really noticed that I'm actually gone from Facebook. Today, I reactivate again my Facebook with some few changes to be made.

Since Facebook privacy policy is keep changing, the only way for me to ensure my own personal safety I will clearing up people who I never met in real life. I don't know their true intention for adding me. Plus, with no actual self picture, why bother creating a Facebook profile in the first place.

I know it's drastic but things need to be done. I'm lazy to entertain all those nonsense anymore. The internet world is getting worst and worst everyday. So it is my choice to do what I feel right.

Cheers

Queue Cutting With CIMB Prime

2012-01-31T12:53:00.002+08:00

I was at the bank last week to bank in some cash. The Cash Deposit Machine wasn't working that day so had to bank it in manually. Looking at the people in the bank makes me wonder, this going to take me forever. The security guard were being helpful by passing me queue number but I'm not interested with it and said I have a priority card. I decided to take out my CIMB Prime ATM card and put it in the queue machine. Voala! New number came out from it.

In just few second, my number was called overriding all other number. Nice!! Of course I get all the stares and I even overheard two girls saying "We were here long and he get to go first". I just thank the banker once my transaction done and left.

So people, if you can do change to CIMB Prime Plan. All you need a Gold or above CIMB credit card and RM1000 (initial deposit for Prime Current Account) and you are done.

What so good about the plan?

01. Priority Queue

02 .Dedicated Phone Banking Services - Instant assistance when you call CIMB Prime Call Centre at 1 300 889 800

03. Complimentary SMS Alerts

04. Higher ATM Withdrawal Limit up to RM10,000 per day

05. Consolidated Statements

06. Dedicated services on CIMB Clicks

07 Special preferential rates for Housing Loan, Overdraft and Car Loan

08. Earn Bonus Points

09. Complimentary Airport Lounge Access - KLIA

10. Prime eBidding

I don't tempt you enough? Check out their website CIMB Prime Plan.

Handwriting

2012-01-26T00:38:00.001+08:00

New Online Business

2012-01-15T14:12:00.000+08:00

As the first step for me to achive achieve my goal toward becoming more rich (muahahaha!), I have started an online business via the help from Facebook. Yay! Do come and visit my page and not to forget buy some which you like ok.

Oh ya! I can't ship internationally yet so at this moment I am only able to promote the products to the local buyers. I do apologies for it.

AZyBiz

http://www.facebook.com/AZyBiz

Travel Blog

2012-01-14T22:34:00.003+08:00

So as to tick off one of my resolution, I created the travel blog as promised. I still have a lot to edit and update so please be patient with me. Do save the link so you could visit it easily. Most importantly, do visit the blog.

Ameer Zachery Meets The World

http://travel.ameerzachery.com

New Year!

2012-01-02T20:27:00.002+08:00

First of all I would like to wish everyone a very Happy New Year. It has been a long year. Too many things happening all year. Happy. Sad. It just part of life.

Last year I did not make any New Year resolution as all I wanted is to be healthy which I actually archived. I should say also to have someone faithful in the relationship. Ok. Throw away the old sad memories.

In 2010, all my resolution was achieved. Woohoo. I'm so happy about it. Even though it didn't go as per target but I still manage to get all of it.

Now I am creating a lot more new target in life. It just something I want to do to keep me going in life. We could all do it everyday but it's nice to have an aim. After all, we could plan and plan and plan. We can never know how the end result would be. But at least we can say we tried.

Travel

01. Travel on five different airlines.

02. Travel to all six continents.

03. Travel to at least 10 new cities from around the world.

04. Travel with someone I love to at least once city from anywhere in this world.

05. Travel to five cities to watch five different musical theatre.

06. Bring my mom to three new places for holiday.

07. Create a travel blog which will serve as my travel diary.

Money

01. Pay off all my credit cards outstanding.

02. Save at least RM50000 into my investment account

03. Start an online business with a target of RM25000 this year.

04. Invest in three more new houses.

05. Give to charity more.

06. Cut my spending to half from 2011.

07. Limit my credit card application and maintain to only have four cards at one time.

Friends

01. Call five different people every month to stay connected.

02. Pamper my best friends a bit less (You guys are too pampered by me already)

03. No birthday present this year for my friends. (Cut cost measure)

04. Hang out at least twice a month with my friends. (I know I had been very busy lately)

05. Make a lot new friends from around the world.

Entertainment/Home

01. Reorganize everything at home.

02. Go out for movie once a month.

03. Change my wardrobe contents to once a year instead of twice.

04. Ride on five different roller coaster.

05. Visit three different theme park.

06. Revamp www.ameerzachery.com and update it at least three times a month.

Health

01. Lose more weight.

02. Eat proper food.

03. Eat less airlines food. (Too much sodium in it)

04. Go to gym at least six times per month.

05. Reduce or possible stop the three bad habits I have right now.

06. Smile and be happy more.

Work

01. Work harder.

02. Learn two new language. (I need to make time to attend those classes)

A Song For The Ex

2011-12-31T07:58:00.001+08:00

This song is dedicated to my ex who cheated on me with someone else. I will always remember you as person who is dishonest and disrespect of relationship. There is no good memories I can keep from you.

I will find someone who is better than you. You don't deserve to be love by anyone and believe me you will never find love in your life. I am never going forgive you for the things you did to me.

Remember, you will always be hurt worst than the way you hurt me. You believe in karma, so karma will bite you back. I am removing you forever from my memory and my life.

------------------------------

Ning Baizura, Jacklyn Victor & Shila - Beribu Sesalan

Ku susuri malam ini
Yang tidak berbintang sunyi sepi
Juga rembulan dah menghilang
Dalam kelam ku sendiri

Ku mencari hembus bayu
Yang selalu berbisik madah rindu
Kini membisu dalam sayu
Tidak ku temu suaramu

Kekasihku di jalanan yang berliku
Di saat ku perlukanmu
Tertutup jua segalanya terhadapmu
Di sini ku tersedu-sedu

Setelah cinta pergi
Ku mengusung duka ini diiringi
Kisah janji dimungkiri lagi

Kekasihku di jalanan yang berliku
Di saat ku perlukanmu
Tertutup jua segalanya terhadapmu
Di sini ku tersedu-sedu

Setelah cinta pergi
Ku mengusung duka ini
Diiringi

Kisah janji
Dimungkiri
Dimungkiri

Sia-sia ku
Mencintaimu
Setia padamu
Percayakanmu

Sebak dadaku
Retak hatiku
Luka jiwaku
Dihiris pilu

Sia-siaku
Mencintaimu
Setia padamu
Percayakanmu

Sebak dadaku
Retak hatiku
Luka jiwaku
Dihiris pilu

Beribu sesalanku

Be Back Soon

2011-12-13T21:49:00.002+08:00

Blog On Hold

2011-10-22T11:40:00.001+08:00

Well well well. Hello spidey! Nice web on my wall. Caught any bugs?

Anyway, just an update for all of you who still reads my blog. This update should cover the month of October. Since we only have like few more days before November come. So fast time flies. I don't think I have enough time to actually finish my work.

From 1-9 October I was on holiday. Yippie. I was lucky to get two week off actually. So with such little plan (ok I lied) I headed to Bangkok and Ho Chi Minh with my loves one. The real agenda was to shop shop and more shopping. Bangkok was relatively cheap compare to Ho Chi Minh. So for future notes and reference, go to Bangkok ok.

Spending wise for me is not much. I more to relax trip than to stress trip. If you got what I mean. Hmmm... Maybe I should do some summary on both my trips later in future. Far far away future.

Next would be my Progress Check. Ok. I passed. Nothing to brag about. Moving on.

My Safety Check I got 1 wrong for the questionnaire. So no more record of having 100% for the test. Sad.

Then I'm busy with my work work work. I think I spend more time working at night compare to day time. So I have now reason to sleep during the day time. Yay!

I've not so keen on going to gym lately. My gym got blown out and still they not yet open. Yeah. U know the story for sure. I'm partially lying. Hahaha.

But I have been to other's country FF. I would say their are awesome. Like in Perth the FF is 4 storey high and in Bangkok you don't have to bring anything because they give you shirt, and pant for you to do your work out.

The newest baby in our company - I've tried it. I can't wait to try more. It's not blue ok. Such a yellow brain you all got.

That's about it. Until next post. God know when would that be. Hahaha.

:))

Wrong Timing

2011-09-27T21:16:00.001+08:00

I think I don't know what the actual timing now for my body. Been working odds hour and rest at different timeline.

Ok. I don't know what I'm talking about now. I just feel very tired lately. I think I need to go to the gym more often. So I could build up more stamina and endurance. I have been cutting down gym so much.

But don't blame me. I was busy work work too. Plus I have so many things to do when I'm not working. It's a never ending thing I guess.

Oh ya. I do apologies for hiding from blogging for while. Busy busy busy. That's all I can say. I do have a lot of story to tell. Just don't have the mood nor the idea to post it. You need to plan ok.

Signing off.

Credit Card Collection (Final)

2011-08-26T16:44:00.002+08:00

So finally I can finalize my credit card collection. I manage to get my final cards application approved. As for now the card that will be maintain as my active cards are.

1. CIMB Visa Infinite (NEW!!)

2. CIMB World Mastercard (NEW!!)

3. Maybank 2 Platinum Cards (Visa and American Express)

4. Hong Leong Visa Signature (Previously known as EON Visa Siganture. Cancelling 2012)

5. CIMB Visa Signature (Cancelling 2012)

Refer to HERE for more details about to cards from the previous post.

Refer to 1, 2, 3, 4 or 5 for the respective bank information of the cards.