title

Thursday, November 28, 2013

Me, Myself and Friends


Assalamualaikum
My name is Aimi Sofea Binti Basri
My matrix number is 216454


I am one of students Universiti Utara Malaysia
I am taking Bachelor Islamic Finance and Banking 
Now I am in semester 4

In UUM I meat a lot of friends. Since semester 1 we being best friend till now. We share happiness and sadness together. We will support each other. We help each other. And best part we will be best friends till jannah. Amennn

 Me and them

Me and Nabila

 With Protoneans


With Aaisyah, Fathin, Syuhada, Faeizah and Hanim

Me, Nabila, Hayati and Aisyah

May our friendship will last till Jannah!!



5 Tips On How To Reduce Stress

1. Meditate 
A few minutes of practice per day can help ease anxiety. “Research suggests that daily meditation may alter the brain’s neural pathways, making you more resilient to stress,” says psychologist Robbie Maller Hartman, PhD, a Chicago health and wellness coach. 
 
The process can be simple. Sit up straight with both feet on the floor. Close your eyes. Focus your attention on reciting -- out loud or silently -- a positive mantra such as “I feel at peace” or “I love myself.” Place one hand on your belly to synch the mantra with your breaths. Let any distracting thoughts float by like clouds.
 
2. Breathe Deeply 
Give yourself a 5-minute break from whatever is bothering you and focus instead on your breathing. Sit up straight, eyes closed, with a hand on your belly. Slowly inhale through your nose, feeling the breath start in your abdomen and work its way to the top of your head. Reverse the process as you exhale through your mouth. 
 
“Deep breathing counters the effects of stress by slowing the heart rate and lowering blood pressure,” says psychologist Judith Tutin, PhD, a certified life coach in Rome, Ga.
 
3. Be Present
You rush through dinner, hurry to your next appointment, race to finish one more thing on your agenda. Now try something different: Slow down. 
 
“Take 5 minutes and focus on only one behavior with awareness,” says Tutin. Notice how the air feels on your face when you’re walking and how your feet feel hitting the ground. Enjoy the texture and taste of each bite of food as you slowly chew. When you spend time in the moment and focus on your senses, you should feel the tension leave your body.
 
4. Reach Out
A good social support system is one of the most important resources for dealing with stress. Talking to others -- preferably face-to-face or at least on the phone -- is a great way to better manage whatever is stressing you out.
 
5. Tune In to Your Body
Mentally scan your body to get a sense of how stress affects it each day. Lie on your back or sit with your feet on the floor. Start at your toes and work your way up to your scalp, noticing how your body feels. 
 
“Simply be aware of places you feel tight or loose without trying to change anything,” says Tutin. For 1 to 2 minutes, imagine each deep breath flowing to that body part. Repeat this process as you move your focus up your body, paying close attention to sensations you feel in each body part.

12 Tips to Drink 8 Cups a Day

Eight glasses of water every day? No matter how you pour them, that’s a lot of liquid. We're talking cups and cups…and cups. Even knowing about the many benefits of meeting your daily quota—increased fat burning, healthier skin, more energy, better digestion, fewer cravings—doesn't make drinking it (or dealing with increased bathroom visits) any less of a struggle for many of us.

If you feel like you're barely treading water when it comes to drinking your water, don’t despair. There are lots of little secrets—time-honored tricks that those elusive "water drinkers" use—that even you can try to transform yourself into an H2O-guzzling machine.

For best results, try the two that Spark your interest immediately, then add one each week until you’re getting all the water you need. And remember, there is no magic number. The recommended eight cups a day is not a one-size fits all. You’ll need more if you’re sweating through workouts; less if you eat a lot of water-rich fruits and vegetables.

1. Try comfort water
This is a great tactic for coffee and tea drinkers. While you’re waiting for the coffee to brew, nuke a glass of water (or herbal tea), squeeze in a bit of lemon and sip while you wait. Try another cup of warm water after you’ve had a mug or two of coffee. Hot water is also a great treat on a cold afternoon or evening. Invest in a new kind of herbal tea every time you grocery shop until you’ve found a couple that are just right.

2. Tag your water bottle
Splurge on the perfect reusable water bottle. Whether it's your favorite color or a unique design, the more you bond with your bottle, the less likely you'll be to lose it. Slap an inspirational sticker or image onto it, or even write on it with a permanent marker. Now you're ready to drink from it throughout the day—don't forget to refill it as soon as it's empty.

3. Sip up
Gulping all that water can seem daunting. So get a package of straws to slowly sip it instead. You can even pick up a water bottle with built-in straw.

4. Become a connoisseur
Think of water drinking like wine tasting. Taste the various brands and types of bottled waters available (sparkling, spring, mineral, vitamin-enhanced, reverse osmosis, filtered, fruit-flavored, etc). Be sure to read the labels as some "waters" have significantly added calories. Many bottles of water contain two to three cups of water.


5. Drink water and drive
Keep your water bottle next to you every time you hop into the car, or buy a package of bottled water to keep in the car. Whenever you're driving about, your water will be within easy reach from your car's cup holder. Think about other places you can stash some water bottles (under your desk, next to the couch, in your purse, and more).

6. Drink your vitamins
Create your own vitamin drink. Consider combining your water with your vitamin supplements, if you take any. There are several powdered vitamin supplements that are designed to be mixed with water. Some contain little to no calories too. If you prefer to take vitamins in tablet form, then promise yourself to drink at least one whole cup of water every time you take them.

7. Fill your dinner glass
Set a glass of water at each place setting at the dinner table just like restaurants do. Don't fret about drinking it all—just place it there. By sipping water between every few bites, you'll slow you down and enjoy your meal more, while also meeting your water needs.

8. Filter out
Sometimes tap water just isn't very good. If your well or city water leaves a bad taste in your mouth, change it. Get a faucet or pitcher filter to keep out the bad and leave in the good.

9. Pace yourself
Holding (and drinking from) a cup of water will help you pace yourself at social events, parties and dinners that offer tempting food and drink. Try drinking a cup of water between bites of the calorie abomination you're faced with. It is hard to eat an entire piece of cake if you have to drink a glass of water between every single bite! To keep the wine, beer, or liquor from ruining your calorie count, drink a cup of water for every glass of alcohol you consume. (I’m a wine drinker, so I fill up my wine glass with water every time I empty it of wine.) Not only does this help to limit your consumption, but it helps counteract alcohol’s dehydrating effects. And when you have a glass in hand—no matter what's in it—you won't be bombarded with more drink offers in the meantime.

10. Find watering holes
When out and about, make it a point to stop by drinking fountains, drink your water when out to lunch while reading the menu, and by all means if someone offers you a cup of herbal tea, say yes.


11. Combine habits
Get in the habit of drinking a cup of water when you do other things in your daily routine. Love long baths? Fill your water bottle when filling the tub. Working out? Keep your bottle beside you. Heading for bed? Set a glass on the nightstand. Reading by the fire? Always bring a cup of tea along. Develop water habits that go with your routines.

12. Reward your hard workf
Make a habit of having special water after each workout, for example. This can be water you gussy up yourself with a slice of lemon or lime, a fruit-flavored water, or (what I enjoy) a tall sparking mineral water.


Just a couple of these tricks can push you across the eight-cup finish line fairly painlessly. So raise a glass and tell your metabolism who’s the boss. Sometimes, simply conquering your water goal is enough to set you on the right path in even more areas. Cheers!

Cindy Dyson is a novelist, who discovered SparkPeople through her sister. Although she doesn’t struggle with getting enough water anymore, several members of her SparkTeam do. She created this list to help them, but found herself enjoying water more than ever as a result.

FAMILY DAY OUTING!

This month my parent decided to come over to Langkawi to meet me and also to celebrating my belated birthday. Yeay! I am so happy about that. Since my parent told me that they want to come over I cannot concentrate to my study.  It is because I am so happy, excited to meet them. Even thought we just meet 3 weeks ago, but it feel like 3 months. Hahaha

Sadly my brother can't join us because he have a class. As for that my untie will joining my mom and my dad.We spend about 3 days 2 nights at there. Since I reach there Monday evening so we don't do anything interesting. The next day we go to Gunung Mat Chincang (don't the spelling) for ride cable car, Burn Rise Field, Mahsuri Heritage, Langkawi Under Water World and Pekan Kuah. We have so much excitement moment. 















HOCKEY TOURNAMENT

Another hockey tournament is back!!!


Every first semester UUM will have hockey tournament. And each DPP (Resident Hall) need to send one team for represent their DPP. For this semester of course I will be a part of hockey team. And my position is as a keeper.

As for this semester, we have a lot of junior who joining our team. Some of them have ZERO knowledge about hockey and some of them are school represent hockey player. So every evening, our ex-team leader will teach them on how to hold the stick, how to shoot and also the rules that they need to know.


Girlish Hockey Team with JKPS n Fello DPP Proton


 Girlsih Team


Tieka, Kak Adah, Kak Eira n Me

Alhamdulillah (Praise to God) we have won gold medal for this year!

Say No Drinking While Eating!!

Is it beneficial to drink while you eat? It seems there are a few schools of thought when it comes to drinking while eating and although there may not necessarily be one right way, it is clear there are some things to avoid.
Our body’s perform a number of processes while eating and digesting so it’s important to understand and consider each while determining if drinking water while eating is best for us.
  • Our mouthes create saliva while eating as it contains digestive enzymes to help break down food. These enzymes are very important in creating a healthy digestive process.
  • Our stomachs contain gastric juices that aid in digestion and are instrumental in killing any bacteria we might consume in the food we eat. It is important these juices function properly as they help break down food and allow the stomach to contract and pulverize food into a state that can be pushed to the small intestine.
  • The liver is also important as once nutrients are taken from the food we eat they are sent through the bloodstream to the liver. From there, the liver distributes the nutrients to different areas of the body. It determines what to keep for later and what to utilize right away. The liver requires an ample amount of water to function and do its job properly.

To Drink or Not to Drink

The main area of debate is whether or not drinking water during a meal is harmful or beneficial to the digestive process. There is no doubting the fact that drinking too much water during meals can interfere with the natural and necessary levels of bile and stomach acid. This would slow the digestion process and reduce the body’s ability to produce enough digestive enzymes to digest foods properly. Without proper digestion, a build up of toxic waste can occur no matter what you are eating. We can apply the same principles when thinking about other beverages we might consume during a meal. In the case of alcoholic drinks and acidic beverages like soda, they tend to dry up the saliva your glands have produced, making it even more difficult to properly digest food. Drinking water or other beverages while they are cold also slows down digestion and can create cramping in some individuals.
It is clear that drinking water before and after you eat aids the digestive process. The general consensus on this is that drinking water about 30 minutes before you eat will help keep the body hydrated which results in optimal digestion. For the liver, this is also important as overall body hydration aids in optimal liver performance. Drinking water about 30 minutes after can also assist in hydrating the body through the latter parts of digestion and replenish the lost liquids from digestion. It is important to note that drinking water during a meal would be more beneficial than not drinking while eating if you are not properly hydrated before hand. Eating while dehydrated can cause the body to have a very tough time digesting food.

The Other Side of The Coin

It’s also important to mention that according to Michael F Picco, M.D. and the MayoClinic: “There’s no concern that water will dilute the digestive juices or interfere with digestion. In fact, drinking water during or after a meal actually aids digestion. Water and other liquids help break down food so that your body can absorb the nutrients. Water also softens stools, which helps prevent constipation.” While they do not make any mention of temperature or amount of water, and don’t reference their statement, it is clear they feel drinking while eating is generally OK.

Tips

Based on the information presented, when thinking about how to approach eating meals yourself, there are several tips we can apply. It appears most beneficial to stay hydrated throughout the day and if you must drink while you eat, avoid drinking too much, as well as alcohol and acidic drinks. Drink warm water and drink it sparingly. A small glass will likely not interfere with digestion and by adding a dash of apple cider vinegar or lemon, you can aid in the digestive process further. If you can, you might want to try drinking 30 minutes before and 30 minutes after a meal with no drinking during, see how you feel. If it works for you, then stick with what works, if not, adjust accordingly. Listening to and becoming more conscious of your body and body awareness is a great step to take when thinking about new foods and how you treat your body. Sometimes going with what the body feels and wants is more important than staying rigid to information. Things change, the body changes, flow with it. Listen to your body!
- See more at: http://www.collective-evolution.com/2013/07/02/is-drinking-water-while-eating-good-for-you/#sthash.yCgbxOqX.dpuf
Is it beneficial to drink while you eat? It seems there are a few schools of thought when it comes to drinking while eating and although there may not necessarily be one right way, it is clear there are some things to avoid.
Our body’s perform a number of processes while eating and digesting so it’s important to understand and consider each while determining if drinking water while eating is best for us.
  • Our mouthes create saliva while eating as it contains digestive enzymes to help break down food. These enzymes are very important in creating a healthy digestive process.
  • Our stomachs contain gastric juices that aid in digestion and are instrumental in killing any bacteria we might consume in the food we eat. It is important these juices function properly as they help break down food and allow the stomach to contract and pulverize food into a state that can be pushed to the small intestine.
  • The liver is also important as once nutrients are taken from the food we eat they are sent through the bloodstream to the liver. From there, the liver distributes the nutrients to different areas of the body. It determines what to keep for later and what to utilize right away. The liver requires an ample amount of water to function and do its job properly.

To Drink or Not to Drink

The main area of debate is whether or not drinking water during a meal is harmful or beneficial to the digestive process. There is no doubting the fact that drinking too much water during meals can interfere with the natural and necessary levels of bile and stomach acid. This would slow the digestion process and reduce the body’s ability to produce enough digestive enzymes to digest foods properly. Without proper digestion, a build up of toxic waste can occur no matter what you are eating. We can apply the same principles when thinking about other beverages we might consume during a meal. In the case of alcoholic drinks and acidic beverages like soda, they tend to dry up the saliva your glands have produced, making it even more difficult to properly digest food. Drinking water or other beverages while they are cold also slows down digestion and can create cramping in some individuals.
It is clear that drinking water before and after you eat aids the digestive process. The general consensus on this is that drinking water about 30 minutes before you eat will help keep the body hydrated which results in optimal digestion. For the liver, this is also important as overall body hydration aids in optimal liver performance. Drinking water about 30 minutes after can also assist in hydrating the body through the latter parts of digestion and replenish the lost liquids from digestion. It is important to note that drinking water during a meal would be more beneficial than not drinking while eating if you are not properly hydrated before hand. Eating while dehydrated can cause the body to have a very tough time digesting food.

The Other Side of The Coin

It’s also important to mention that according to Michael F Picco, M.D. and the MayoClinic: “There’s no concern that water will dilute the digestive juices or interfere with digestion. In fact, drinking water during or after a meal actually aids digestion. Water and other liquids help break down food so that your body can absorb the nutrients. Water also softens stools, which helps prevent constipation.” While they do not make any mention of temperature or amount of water, and don’t reference their statement, it is clear they feel drinking while eating is generally OK.

Tips

Based on the information presented, when thinking about how to approach eating meals yourself, there are several tips we can apply. It appears most beneficial to stay hydrated throughout the day and if you must drink while you eat, avoid drinking too much, as well as alcohol and acidic drinks. Drink warm water and drink it sparingly. A small glass will likely not interfere with digestion and by adding a dash of apple cider vinegar or lemon, you can aid in the digestive process further. If you can, you might want to try drinking 30 minutes before and 30 minutes after a meal with no drinking during, see how you feel. If it works for you, then stick with what works, if not, adjust accordingly. Listening to and becoming more conscious of your body and body awareness is a great step to take when thinking about new foods and how you treat your body. Sometimes going with what the body feels and wants is more important than staying rigid to information. Things change, the body changes, flow with it. Listen to your body!
- See more at: http://www.collective-evolution.com/2013/07/02/is-drinking-water-while-eating-good-for-you/#sthash.yCgbxOqX.dpuf
Is it beneficial to drink while you eat? It seems there are a few schools of thought when it comes to drinking while eating and although there may not necessarily be one right way, it is clear there are some things to avoid.
Our body’s perform a number of processes while eating and digesting so it’s important to understand and consider each while determining if drinking water while eating is best for us.
  • Our mouthes create saliva while eating as it contains digestive enzymes to help break down food. These enzymes are very important in creating a healthy digestive process.
  • Our stomachs contain gastric juices that aid in digestion and are instrumental in killing any bacteria we might consume in the food we eat. It is important these juices function properly as they help break down food and allow the stomach to contract and pulverize food into a state that can be pushed to the small intestine.
  • The liver is also important as once nutrients are taken from the food we eat they are sent through the bloodstream to the liver. From there, the liver distributes the nutrients to different areas of the body. It determines what to keep for later and what to utilize right away. The liver requires an ample amount of water to function and do its job properly.
To Drink or Not to Drink
The main area of debate is whether or not drinking water during a meal is harmful or beneficial to the digestive process. There is no doubting the fact that drinking too much water during meals can interfere with the natural and necessary levels of bile and stomach acid. This would slow the digestion process and reduce the body’s ability to produce enough digestive enzymes to digest foods properly. Without proper digestion, a build up of toxic waste can occur no matter what you are eating. We can apply the same principles when thinking about other beverages we might consume during a meal. In the case of alcoholic drinks and acidic beverages like soda, they tend to dry up the saliva your glands have produced, making it even more difficult to properly digest food. Drinking water or other beverages while they are cold also slows down digestion and can create cramping in some individuals.
It is clear that drinking water before and after you eat aids the digestive process. The general consensus on this is that drinking water about 30 minutes before you eat will help keep the body hydrated which results in optimal digestion. For the liver, this is also important as overall body hydration aids in optimal liver performance. Drinking water about 30 minutes after can also assist in hydrating the body through the latter parts of digestion and replenish the lost liquids from digestion. It is important to note that drinking water during a meal would be more beneficial than not drinking while eating if you are not properly hydrated before hand. Eating while dehydrated can cause the body to have a very tough time digesting food.
The Other Side of The Coin
It’s also important to mention that according to Michael F Picco, M.D. and the MayoClinic: “There’s no concern that water will dilute the digestive juices or interfere with digestion. In fact, drinking water during or after a meal actually aids digestion. Water and other liquids help break down food so that your body can absorb the nutrients. Water also softens stools, which helps prevent constipation.” While they do not make any mention of temperature or amount of water, and don’t reference their statement, it is clear they feel drinking while eating is generally OK.
Tips
Based on the information presented, when thinking about how to approach eating meals yourself, there are several tips we can apply. It appears most beneficial to stay hydrated throughout the day and if you must drink while you eat, avoid drinking too much, as well as alcohol and acidic drinks. Drink warm water and drink it sparingly. A small glass will likely not interfere with digestion and by adding a dash of apple cider vinegar or lemon, you can aid in the digestive process further. If you can, you might want to try drinking 30 minutes before and 30 minutes after a meal with no drinking during, see how you feel. If it works for you, then stick with what works, if not, adjust accordingly. Listening to and becoming more conscious of your body and body awareness is a great step to take when thinking about new foods and how you treat your body. Sometimes going with what the body feels and wants is more important than staying rigid to information. Things change, the body changes, flow with it. Listen to your body!
 

Wednesday, November 27, 2013

HOUSING LOAN THROUGH CONVENTIONAL LOAN

If you plan to buy a house, you’ll probably need a home loan. Home loan is a Secures loan offered against the security of a house/property which is funded by the bank’s loan, the property could be a personal property or a commercial one. The Home Loan is a loan taken by a borrower from the bank issued against the property/security intended to be bought on the party by the borrower giving the banker a conditional ownership over the property i.e if the borrower is failed to pay back the loan, the banker can retrieve the lent money by selling the property in auction.

To get a good home loan is actually pretty challenging. You’ll need to determine what kind of loan that you need, the interest rate that been offered by the bank, the duration of the installment and others. Traditionally, you’ll visiting, calling up and search in internet all bank.

In Malaysia, BNM have introduced two types of home loan which is flexi home loan and non-flexi home loan. For flexi home loans give you freedom to reduce your loan interest with additional income. Meanwhile for non-flexi home loan or also known as conventional loan are more rigid and have same repayment installment throughout the loan period. Compared between these two loans, many of customers prefer to use flexi hosing loan.

In 2013, BNM introduced new regulation, which limits home loan period in Malaysia maximum up to 35 years. But if you are purchase an expensive home, you loan period will up to 45 years or beyond. These days, home loan rates can differ greatly from bank to bank. For a typical flexi home loan of RM500,000 rates can be anything from Based Lending Rate (BLR)- 2.4% to BLR-2.2%, which translate to difference of tense of thousand in Ringgit value.

In conventional bank basically they will use fixed or variable rate. But mostly the bank will may charge combination of these two rates. Most home loans especially in Malaysia used variable interest rate loans, with the interest rate tied to the base lending rate (BLR) of the banks. Payment is made over a set tenure by installments. Since the contract is not based on an absolute value (eg. A sale price), the sooner the borrower can pay down the principal, the cheaper the amount of interest paid. The loan contract for conventional financing is known as a Loan Facility Agreement.

As I mentioned earlier, the borrower prefer to choose flexi home loan. It is because, this Flexi Home Loan has provided a great flexibility to a borrower. This is because that product comes with a linked current account. The borrower has the option either to withdraw or make extra repayments any times they like even though do not inform the bank beforehand. Those who have extra cash flow can have benefits in using this Flexi Home Loans. This is because the loan installments are automatically deducted from the linked current account each month. So the balance will go towards reducing the amount owed on the home loan.