Islamic banking

After finished my degree, I always think what should I do interm of self-development. To be honest, I was confused and kind of lost. Some says its better to pursue to the higher degree by taking master or phd. The other advised me to take professional accountancy papers like ACCA, ICAEW since I got 7 exemptions. But when I looked back, my job now does not require me to take any professional papers as my day to day job more on management side rather than audit or tax. Frankly speaking, I'm interested to do research and deepen my knowledge in islamic finance. I dont mind whether its banking or takaful industry but I'm sure banking is more exciting. Even investment also looks interesting, sukuk thingy. Just now, I read newspaper regarding HSBC Amanah. HSBC, british bank, started their business with conventional bank and then expanded by developing islamic banks. The sad story here, as a one of the pioneer to the islamic banking industry, HSBC decided to pull back some of the islamic bank business. They will only focus on certain market like malaysia as it is still growing and profitable. HSBC in Britain, Singapore,UAE, Saudi Arabia are no longer offering islamic products. The good thing is, it will give local player/islamic bank an opportunity to step in and compete with other international islamic banks. Before this, with the existence of big bank like HSBC, local banks may be demotivated as compare with the size, local player knows that its pretty hard to compete. Another interesting topic reported today, islamic banks M&A (merger and acquisition) is coming soon. This will be the first islamic banks to be in the M&A interm of islamic banking industry. Currently, Affin holdings is waiting for central bank green light to accomplish this M&A. I can't wait to see these thing happen as I wanna know the impact to the industry and interm of process as well. We'll see then!

CAR.....I wanna buy one. Currently, I'm in love with renault megane. The hatchback. so nice even the price is also nice. At this moment of time, I do not own any but drive dad's car. My dad car is really amazing and last week, I bang maybank gate on my way home. It wasnt my fault actually. so now there are few scratches at the passenger door on the right side. Too bad I have to pay for the repair. A minor touch up will do. Some of my friends they knew about it so they commented that my dad car is pretty big. For me, I'm ok with it. The bang, nothing to do with size, I was careless since it is big. I'm thinking to get a new one since I dont want to trouble my dad anymore. He suggested that I continue to pay the existing benz. I want it so badly but I can't afford to pay it. Monthly wise, I can pay back the loan but I can't afford to top up my fuel, road tax even regular service also. Instead of taking his suggestion seriously, I told him might as well I take a new one which is slightly cheaper. Car hunting seems so exciting but for me its quite tough. I drove 2 benz and a bmw already now I'm facing a hard time. I dont know what type of car should I buy since my expectation and benchmark way too high already. I wanted to buy renault megane, dad gave green light buttttttttttttt...........the price really kicked my butt...damn expensive.. and no second hand value..too bad. I know I cant afford it.... Lancer hatchback also in my list but its not worth it! mazda2, same also. Polo..in my list also but....not worth it. Dad said might as well look for sedan which is cheaper and worth it. I agreed with him. Yet, I'm still looking for the right one. Not really sure when this going to be over. I have most of cars price but still considering. If you want to know any just give a quick message. I'll tell you anyway. Hopefully my boss will reward me generous bonuses so that I can pay for the downpayment...hehehehe Pleaseeeee.... Ok I'm just trying to brush up my vocab and dont take my writing seriously coz at this moment I dont hv enough money to buy any but feel free to suggest. Gracias amigos.

My vocab slowly disappear and I told myself that I have to start writing again! Yeah its time. Ok today nothing much to update. During lunch time, I read online newspaper and pretty shocked when I saw news on Citybank Group, resignation of group CEO.It was reported that the day after Citybank announced their quarter result, the CEO stepped down from the throne. Its quite weird plus the quarter result reported a positive and good growth. But according to rumours, the CEO was forced to leave. Even newspaper reported, the relationship between the chairman and the CEO was not in the good condition. Apparently the CEO left the company in a good condition but a part from that, their shares dropped around 90cents due to the news. Pretty bad right?? I was amazed with the CEO by the way. I read his profile and he's a genius! I just cant imagine people with elec eng background can managed big company such as citibank. I wasnt really surprised since he already worked with morgan stanley before joined citi. But impressive. He went to Uni at the age of 16 and obtained master as well as phd at young age. I just ponder now, after this to where actually he's heading to?? I mean which company he would join? Interesting.I have to be alert starting from now on. So many thing happened in one time and to keep track I have to be sensitive to those kind of infos. Ciao bella, bueno noches

Morning peeps! I'm early today. Just want to put on quick shout out. This week, people will be on leave as festive season approaching. I'm not really sure whether I'm looking forward to it. To be honest, this year, I was so busied with so many things. Too many things came at one time. Ok different topic, yesterday, a friend of mine approached me to borrow some money.To be fair, I'm not good at it. Because it happened to be last time when that person borrowed my money, heshe (haha) never pay back! not even single cent! Heshe was so kind to me all the time but for me when it comes to money I become stingy as I know its hard to earn money and other people can simply using it! Not fair to me right?? I felt so bad when I rejected heshe request but anyway I cant be too kind to people right? At the end of the day, I dont want to suffer from whatever things that other people do. For me, If I allowed heshe to borrow my money, I can see in the future there is no guarantee heshe wont borrow from me again! plus when it comes to pay back time, for sure I'm a bit reluctant to ask! It will definitely reflect back to me that I didnt trust heshe. I just want to remind myself though, there are so many kinds of people. And each of them behave differently and its up to me how to judge them coz at the end of the day, I dont want to tied up or clean their mess a.k.a shit! Number two, being kind is really noble but too kind, its just a wrong thing! Bear in mind, some people like to take advantage on it. As of now, I have to behave appropriately according to situation. These days, sometimes I become heartless.Its hard to do that but for my own sake, I have to do it. I was too good back then but now I have to brush off some of my kindness just to give myself space to express things that I dont like. For instance, normally at the office, when others try to fire back a silly question which they already know the answer, I definitely throw back silly answer to them. But sometimes I choose to keep quiet as I dont want to add the tension. Sometimes when I blurted out things I hate, I do feel guilty coz I'm kind off expressing negative elements but I think its more healthy rather than tell people. Anyway both are good. At least, I dont keep it inside and once things are done, its done. Anyway thats all, negative elements on the morning, yawwnnnnnnnnnnnnnnnnn hehe Hope everything goes well today! Have good one amigos! ciao

Quick One!

I've been wanted to update my blog almost everyday but no time. A bit awkward since I haven't update anything for quite sometimes. Yes, obviously so many things happened these days but not really sure what to mention first. I'm in the mood to review facial products hahaha. Last few weeks, I bought Chanel facial wash and mask. I was so happy since the price is much cheaper than SKII. Very unfortunate, the range did not suit me well. My face started to generate excess oil and finally clogged my pores. Obviously it created more pimples. In my mind, expensive products should be damn good. Back to the basic, Chanel is an european brand and of course it doesnt suits asian needs. Too bad, I dont think I can use it anymore. **sigh** Secondly, from now on, I think I need to write and read more. My vocabulary starting to fade away since I haven't practise it. All of sudden, I feel hard to speak english and sometimes, I cant think the correct words for certain point of time. Its a shame. Thirdly, these days, I can easily get sleepy for no reason. Last time, it only happen everytime I try to read guidelines or any academic material. Now, even though I'm doing calculation bit, I can get easily distracted by this syndrome. Anyone knows how to treat this? I dont want it to last longer coz my colleagues will look at me as though I'm a lazy person at the office. Please...................... Fourthly,time really flies. Now, we already in the second half but too bad so many things pending.**sigh** I really wanted to travelling around the globe, but too bad lack of money and time. By now, I should identified where I should go and have a good time. Any suggestion?? Friends. Really subjective matter. So far, I had met so many types of friends. Some of them, really good one. But the rest, kind of good but.....you can interpret by yourself. Some of it really try to kill you but in a silent manners which is more dangerous I suppose. Anyway, I just try to be me, not too good and not too bad. Just balance. I wanted to write more since I'm really in the mood but need to kick a start for office works. So maybe next time we continue the session? yeah obviously. Ciao.

Drop dead gorgeous

I'm not going to blurt out fashion thingy here but just want to share my new obsession. Lately, I'm quite fascinated with lipstick. This time with sephora lipstick. There was one day, I went to sephora just to loiter around and obviously just waste my time. But I checkout on their stuffs, fair enough, fantastic I would say so I decided to give a try on their lipstick. The one that I bought was a little bit pinkish and of course with lots of glamorous glitters. Damn sexy! Lol


Anyway, the result was so nice and I bought a second ones but this time nude color with glitter. Next round, I should try dior as well coz their color is so seducing type hahaha. At the moment, I have quite big collection on lip care. Need a good pay sp next round I can try channel also. For mac and bobbi brown, I haven't try not even ones. I think their collection pretty dramatic really unsuits me though. But we'll see incase I change my mind .... Haha

Ok enough! See ya 💋

Early bird

As usual, I arrived at the office quite early. A bit demotivated since most of my colleagues are on annual leave.Pretty sad coz I wanted to apply but my boss said I have to consider my members unit since they also wanted to take leave. They are inconsiderate coz they never discuss with me that they want to take and now I have to stand by at the office but them, happily on leave. What on earth is that! I know its suck but that's life anyway.

Forget about that, I realised this December I changed a lot. I don't even know why it happened but I noticed my changes. I'm sorry if I hurt anyone! Its not my intention to do that but seriously I can't really take stupid jokes at the moment. I can easily hurt and moody. I'm not that type of person but this time, I have no idea why I act like that.

I wanna go for holiday but last minute like this plus near christmas, everything will be overpriced and I know, I can't afford it. Might as well now, I put aside my money and plan for next good trip instead.

I'll be bitching more next time, off to work!