Unexpected (2015)
8 years ago
Tuesday, February 17, 2009
Monday, February 16, 2009
WHAT DO YOU THINK?
What do you think? when I convert it into black & white.
Look at Danish look like.... his picture was a long time ago.....
Fatin... think about we had celebrate a chinese girl birthday party.
Don't you think so....?
Sunday, February 15, 2009
HISTORY OF MONEY
History of Money
Once upon a time, there was a no such thing as money. Each person would provide for his own food clothing and shelter. This was very time consuming and inconvenient. Through time, people began to realise that they had for what they wanted. The Stone Age man could exchange food for an axe by bartering.
Thus began a system of barter by exchange of needs. One family, for instance, could raise cows and exchange them for rice or bread produced by another.
Barter trade, however, was not always that simple. Sometimes, it was difficult to find someone who had exactly the item that was needed and who at the same time, also needed the goods such as bread sometimes went bad before an exchange was made, and some good (a cow, for instance) could not be cut up into small pieces (divisible) to exchange for a loaf of bread.
Some goods were commonly used for barter trade because they could easily be carried, have a common value and be easily divided. This commodity money became a medium of exchange - a single item that would be generally accepted in exchange for other goods. Common goods such as salt, tea, shells, bread, grain and tobacco were among the item that had served as money.
The first true money appeared when the ruler or king issued a constant value. For example, in historical times in Malaysia, blocks of tin were a kind of commodity money. Gradually these coins became smaller (easier to carry) and were made of gold, silver and copper (these being scarce) with standard size and weight. They also carried the sign of the king to prevent forgery. Gradually such coins became money in use.
As businesses developed, it became inconvenient to move large sums of coins around the country. In the Middle Ages, people preferred to deposit their coins with trustworthy goldsmiths, in exchange for paper receipts. Whenever a depositor wanted to make payments, he would exchange these receipts back for coins. As long as the goldsmith was trustworthy, the paper receipt was as good as the coins. Thus, the first paper money and first banks were developed.
This marked the beginning of "fiat" money. That is, they are money because the government says they are, and because we accept them as such. The currency and coins we use today are fiat money. The coins we usually use are issued by the government or the central bank.
In Malaysia, only Bank Negara Malaysia is allowed to issue coins and paper currency notes. The value of ringgit is "legal tender" and is backed by gold and foreign exchange held by Bank Negara Malaysia. "Legal tender" means the ringgit is recognised by law for settling of a debt or paying for goods and services within the country.
Once upon a time, there was a no such thing as money. Each person would provide for his own food clothing and shelter. This was very time consuming and inconvenient. Through time, people began to realise that they had for what they wanted. The Stone Age man could exchange food for an axe by bartering.
Thus began a system of barter by exchange of needs. One family, for instance, could raise cows and exchange them for rice or bread produced by another.
Barter trade, however, was not always that simple. Sometimes, it was difficult to find someone who had exactly the item that was needed and who at the same time, also needed the goods such as bread sometimes went bad before an exchange was made, and some good (a cow, for instance) could not be cut up into small pieces (divisible) to exchange for a loaf of bread.
Some goods were commonly used for barter trade because they could easily be carried, have a common value and be easily divided. This commodity money became a medium of exchange - a single item that would be generally accepted in exchange for other goods. Common goods such as salt, tea, shells, bread, grain and tobacco were among the item that had served as money.
The first true money appeared when the ruler or king issued a constant value. For example, in historical times in Malaysia, blocks of tin were a kind of commodity money. Gradually these coins became smaller (easier to carry) and were made of gold, silver and copper (these being scarce) with standard size and weight. They also carried the sign of the king to prevent forgery. Gradually such coins became money in use.
As businesses developed, it became inconvenient to move large sums of coins around the country. In the Middle Ages, people preferred to deposit their coins with trustworthy goldsmiths, in exchange for paper receipts. Whenever a depositor wanted to make payments, he would exchange these receipts back for coins. As long as the goldsmith was trustworthy, the paper receipt was as good as the coins. Thus, the first paper money and first banks were developed.
This marked the beginning of "fiat" money. That is, they are money because the government says they are, and because we accept them as such. The currency and coins we use today are fiat money. The coins we usually use are issued by the government or the central bank.
In Malaysia, only Bank Negara Malaysia is allowed to issue coins and paper currency notes. The value of ringgit is "legal tender" and is backed by gold and foreign exchange held by Bank Negara Malaysia. "Legal tender" means the ringgit is recognised by law for settling of a debt or paying for goods and services within the country.
THE RINGGIT IS MONEY
It is a medium of exchange (we can exchange a loaf of bread for cash)
It is a measure of value (goods are expressed in ringgit terms - a loaf bread is RM1, a car is RM20,000).
It is a store of value (we hold cash or deposit of ringgit in banks as our savings - the value of the ringgit is backed by gold and foreign exchange held by Bank Negara Malaysia)
It is difficult to forge (there is heavy penalty to copy or falsify the ringgit - our currency note has many security features that make copying difficult)
It is divisible (100 sen = RM1; there are 1 sen, 5 sen, 10 sen, 20 sen, 50 sen coins as well as RM1, RM5, RM10, RM50 and RM100 notes)
Basically, there are now three forms of money in Malaysia: coins, paper currency and transaction account (cheques and credit cards).
While coins and paper currency are used to transfer money at the present time, cheques and credit cards commit money that will be earned in the future.
The most common instrument used to transfer funds are cheques. Cheques and credit cards are becoming more popular as they provide their holders with the power to purchase without having to carry around a lot of cash or coins.
Through the development of computers, money can now be moved around Malaysia electronically. The Automated Teller Machine (ATM) is a place where we can obtain cash from the bank through a computerized machine. We can also send money through ATMs. Similarly, money for deposit can be accepted by ATMs.
Very recently, money can now be moved around the country and the whole world through the use of Internet. Internet banking and electronic money is set to become the new way to handle money.
Monday, February 9, 2009
Fathiah.....
My Love fathiah.... time running so fast... I felt just started work yesterday, but she's already4 month.
Friday, February 6, 2009
TELUK INTAN MY HOMETOWN
History of Teluk Intan
Teluk Intan is a town located in the state of Perak in Malaysia. It is the largest town in Hilir Perak district and third largest town in the state of Perak with an estimated population of around 110,000.
In the early days, the town was known as Teluk Mak Intan, after a female Mandailing trader. It was here that the Perak rulers held court from 1528 until Kuala Kangsar became the royal town in 1877 .
During the British protectorate era, the named was changed to Teluk Anson (Anson Bay), in honour of a British Officer and last Lieutenant-Governor of Penang, Major-General Sir Archibald Edward Harbord Anson who drew the plan of the modern township in 1882.
In 1982 during the centenary of the town's establishment, the name was changed again to Teluk Intan (Diamond Bay) by the Sultan of Perak. The town has a number of colonial buildings and Chinese shop houses together with modern buildings and a few shopping complexes.
Monday, February 2, 2009
SCHOOL MATE
Haahhhh... semuanya dah kahwin, me at the left, shimah and her daughter icha, right is intan mawaddah.. kemain lagi ichah... ya kalau bab pose nie.
Hope that we can arrange for others friends or may be we can arrange for a vacation, tui tak intan....shimah mesti suka tu... yang dekat pun ok.
HAPPY BIRTHDAY FATIN
Happy Birthday Fatin.....
Once a year I get the chance
To wish you birthday cheer.
It pleases me no end to say,
I wish you another great year.
So happy birthday to you Fatin ,
So happy birthday to you Fatin ,
From the bottom of our heart.
And may your good times multiply,
Till they’re flying off the chart!
Love
Syasya , Damia & Fathiah
Syasya, Damia & Fathiah at Danish Birthday Party
Fathiah is happy wearing a hat ballon
"Who is next me Mama."!!!!!!.....Syasya
"Who is next me Mama."!!!!!!.....Syasya
HI!!!!
happy birthday danish
First of all we would like to say thank you to Ella & Husband invited us to their son 1st Year Birth party on the 31st January 2009. We wish Danish in good health and walk sooner.
Danish.....
Danish.....
God gave a gift to the world when you were born—
a person who loves, who cares,
who sees a person’s need and fills it,
who encourages and lifts people up,
who spends energy on others
rather than herself,
someone who touches each life she enters,
and makes a difference in the world,
because ripples of kindness flow outward
as each person you have touched, touches others.
Your birthday deserves to be a national holiday,
because you are a special treasure
for all that you’ve done.
May the love you have shown to others
return to you, multiplied.
I wish you the happiest of birthdays,
and many, many more,
so that others have time to appreciate you
as much as I do.
a person who loves, who cares,
who sees a person’s need and fills it,
who encourages and lifts people up,
who spends energy on others
rather than herself,
someone who touches each life she enters,
and makes a difference in the world,
because ripples of kindness flow outward
as each person you have touched, touches others.
Your birthday deserves to be a national holiday,
because you are a special treasure
for all that you’ve done.
May the love you have shown to others
return to you, multiplied.
I wish you the happiest of birthdays,
and many, many more,
so that others have time to appreciate you
as much as I do.
Sunday, February 1, 2009
Thank you....
Syasya is cutting her cake. Anyhow Thank you to Kamil & Adik for sponsored us KFC and Nurul thanks for borrowing me a Domino express card. Syasya loved to have a birthday party, because of time constraint; I just managed to have a small birthday party to her on the last 28th January. At leased she knows we still remember and want to celebrated her birthday.
Syasya and Iman
Iman & Syasya are actually looking at uncle kamil. How excited both of them when looking uncle kamil sing a birthday song..
HAPPY BIRTHDAY SYASYA
HAPPY BIRTHDAY TO YOU....
HAPPY BIRTHDAY TO YOU...
HAPPY BIRTHDAY......, HAPPY BIRTHDAY......,
HAPPY BIRTHDAY SYASYA.....
HAPPY BIRTHDAY SYASYA....
Mama always wishes you in a good health
Study hard and always take care.
Study hard and always take care.
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