Tips Dapur Kemas Tersusun

Kadangkala agak sukar untuk kita sentiasa mengekalkan kebersihan dapur. Mengemas dapur adalah antara tugasan yang memenatkan apatah lagi jika kita mempunyai anak kecil dan disamping itu menjalankan pula perniagaan dari dapur. Jika dapur selalu digunakan, rutin mengemas mesti dilakukan lebih kerap lagi.

Namun begitu, terdapat beberapa cara asas yang boleh anda lakukan untuk membantu meringankan beban kerja anda.

Tip 1

Kumpulkan segala barang-barang yang tidak selalu digunakan. Segala bekas aiskrim, botol-botol plastik , alatan memasak seperti penapis atau apa sahaja alatan yang jarang digunakan. Masukkan kesemua barang tersebut ke dalam satu kotak. Simpan di stor kotak tersebut. Tunggu sehingga 3 bulan, jika masih tidak digunakan anda boleh buang atau berikan kepada orang lain.

Anda perlu meminimakan barang-barang yang terdapat didalam dapur anda. Begitu juga barang-barang elektrik yang diletakkan di atas kaunter dapur. Jika jarang digunakan simpan sahaja ke dalam kabinet dapur. Anda perlu mempunyai dapur yang teratur supaya kerja –kerja memasak anda akan lebih mudah.

Tip 2

Selepas memasak, anda mesti membasuh kesemua alatan memasak yang digunakan seperti periuk , kuali dan sebagainya. Jangan tangguhkan kerja mencuci sehingga anda habis makan kerana kotorannya akan sukar dibersihkan dan ianya akan menambahkan bebanan kerja anda nanti. Sentiasa bersihkan segala kekotoran yang terhasil semasa proses memasak. Anda perlu selalu mengelap semasa anda memasak. Itu tidaklah susah sangat kan.

Tip 3

Elakkan dari sikap suka mengumpul pinggan mangkuk untuk dibasuh. Selagi muat sinki selagi itulah pinggan mangkuk anda dikumpul tidak dicuci. Bila sudah semakin banyak, anda pun dah mula malas. Lebih malang lagi kadangkala dengan isu pinggan mangkuk pun suami isteri boleh bertengkar.

Apa yang saya perhatikan, jika kita mengamalkan tabiat sentiasa memastikan sinki dapur bersih , anak-anak pun akan membasuh pinggan mereka sendiri tanpa disuruh. Begitu juga dengan sampah di dapur. Jangan biarkan sampah sampai berbau dan berulat barulah nak membuangnya.

Tip 4

Rangkuman dari ketiga-tiga langkah di atas, langkah yang ke 4 ini lebih kepada tabiat kita. Jadikan ‘clean as you go’ sebagai paraturan didapur.. Jangan melengah-lengahkan kerja membersihkan dapur. Apa yang saya lakukan , saya mesti memastikan dapur saya kemas dan bersih sebelum saya masuk tidur. Manalah tahu, kalau terlambat bangun dari tidur untuk menyediakan sarapan, saya tidak akan kelam kabut.

Credit to Azian Hasan

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Ingin ruang dapur dan rumah anda berbau segar sentiasa?

Bersihkan ruang dapur, ruang tamu, bilik tidur dengan menggunakan Sutra Multipurpose Spray. Bersihkan kaunter dapur, cermin tingkap, permukaan meja dengan Sutra Multipurpose Spray. Untuk mendapatkan kesegaran dan wangian yang pantas, semburkan sahaja Sutra Multipurpose Spray. Bauan Sutra Multipurpose Spray Pandan dan Citrus Berry juga mampu untuk menghalau serangga/haiwan perosak seperti lipas, semut, lalat dan tikus jika diamalkan selalu.

Untuk kekal lama bau harum, wangi gunalah Sutra Blended Oil. Di waktu pagi boleh guna Sutra Energizing Blended Oil. Petang dan malam boleh guna Sutra Sensual Blended Oil / Sutra Romance Blended Oil  kerana baunya yang lembut bagus untuk hilangkan letih seharian bekerja.

Anda boleh letakkan Sutra Blended Oil ini di potpouri atau titikkan beberapa titik dalam air yang diletak dalam mangkuk oil burner atau boleh juga diletak campuran air dan Sutra Blended Oil ini dalam diffuser. Anda pasti dapat rasa tenang dan segar sentiasa bila ada bauan aromaterapi memenuhi ruang rumah anda.

Tips untuk murid bermasalah

Tips ini dikongsi bersama oleh Pn. Zarina Madzhar (Fasi LINUS) untuk murid yang menghadapi masalah:

1) Lambat menulis:

Penyelesaian- Dapatkan tilam/ sesuatu yang lembut dan suruh murid lompat bintang di atas tilam tersebut (sekolah selalunya ada tilam untuk Pendidikan jasmani; boleh digunakan)

Sebab: Bila tangan dihayunkan, ia menggerakkan otot-otot tangan...

2) Murid Pelat:

Penyelesaian:

Suruh murid bergayut ( contohnya di monkey bar) sambil itu murid menyebut perkataan yang sukar disebut.

Sebab: Tekanan pada badan memaksa murid untuk mengeluarkan/menyebut perkataan yang disuruh dengan betul.

3) Murid lambat bercakap.

Penyelesaian:

• Minta murid melakukan aktiviti turun naik tangga. 
• Lakukan aktiviti meniup belon, bubbles. 
• Minum menggunakan straw. 

Sebab: Longgarkan artikulasi murid

4) Murid yang mempunyai tulisan buruk:

Penyelesaian: Beri murid pensil yang berbentuk segitiga.

Sebab: Mudah digenggam/grip oleh murid.

5) Murid hiperaktif

Penyelesaian: Cari berus yang lembut, gosok pada badan murid tersebut.

Sebab: Murid hiperaktif mempunyai deria sentuh yang kurang.. bila disentuh dengan berus lembut, ia akan menenangkan murid tersebut. Boleh cuba.

*just sharing..ibubapa adalah cikgu terbaik di rumah utk ank2..

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Anak anda Hyperaktif?

Anda boleh mandikan anak anda dengan Sutra Showering Gel Chocolate. Chocolate di dalam Shower Gel ini mampu untuk meredakan tekanan dan menghasilkan perasaan yang tenang. Semasa mandi  tonyoh secara kerap di bahagian tapak kaki anak anda. Dan biarkan Sutra Showering Gel Chocolate di badan anak selama 5 minit. Lakukan ini sebanyak 3 kali mandian. Selepas itu boleh mandi seperti biasa dengan Sutra Showering Gel Chocolate.

Kemudian semburkan Sutra Lavender Multipurpose Spray di bilik tidur anak dan ruang tempat anak selalu bermain di dalam rumah. Bauan Sutra Lavender Multipurpose Spray dapat menenangkan fikiran, hilangkan stress, menghasilkan rasa nyaman. 

Cara - cara untuk mendaftar Public Mutual Online:

1. Boleh dapatkan salinan borang perkhidmatan Public Mutual Online Public Mutual HQ atau mana2 cawangannya. Ataupun muat turun saja borangnya dr publicmutualonline.com.my.
   
   Utk keselamatan pelabur perlu hantar sendiri borang ke Public Mutual HQ atau mana2 cawangannya atau cawangan Public Bank. Sila bawa IC utk pengesahan.
   
   Anda juga boleh mendaftar utk Public Mutual Online melalui PBeBank.com jika anda pengguna PBeBank.
   
   
2. Public Mutual akan hantar "docket mailer" dgn ID pengguna dan Password ke alamat yang diberi. Anda boleh gunakan ID pengguna dan Password ini utk masuk ke publicmutualonline.com.my.

TAHUKAH ANDA?

Kini anda boleh buat urusan pelaburan Public Mutual anda secara online. Perkhidmatan secara online yang disediakan ialah:

1. Pertanyaan Online:
   1. Ringkasan Akaun
   2. Maklumat terperinci transaksi
2. Muat turun:
   1. Muat turun e-penyata
   2. Muat turun laporan tahunan/suku bulanan
3. Pelaburan secara online:
   1. Pelaburan permulaan utk akaun baru
   2. Pelaburan tambahan untuk akaun pelaburan sedia ada
4. Permohonan Transaksi secara online
   1. Penukaran ke dana lain
   2. Penebusan unit
5. Kemaskini Maklumat Peribadi secara online
   1. Tukar password
   2. Tukar alamat
   3. Tukar arahan agihan pendapatan
   4. Pendaftaran akaun bank
    

Special Service Charge of 5% on All Equity Funds

Good news to all!

Public Mutual is offering a Special Service Charge of 5% on all its equity funds for a limited period from 3 November to 3 December, 2008. This special service charge will be extended to all cash transactions (including standing instructions, RCA instructions and switching of low-load units) into the equity funds during the said period.

It is indeed an opportune time for long term investors to take advantage of the current attractive market valuations, by increasing their investment into the equity funds to meet their long term investment goals.

The world's most renowned investor Warren Buffett had in his recent article titled 'Buy American. I Am" published on 16 October 2008 in the New York Times, quoted the following in explaining why he began to invest heavily in stocks: -

" I can't predict the short-term movements of the stock market.I haven't the faintest idea as to whether stocks will be higher or lower in a month - or a year - from now. What is likely, however, is that the market will move higher, perhaps substantially so, well before either sentiment or the economy turns up. So if you, wait for the robins, spring will be over. "

So folks out there do take advantage of this special promotion to increase your investment.

Anorther Fund open for EPF investor to invest!

Yes starting today the EPF investor can diversify their EPF investment into a higher risk syariah fund. Before this Public Mutual EPF investors who prefer to invest in syariah funds can only invest in a conservative to moderate Syariah funds.

Now the EPF investors can invest in the Public Islamic Equity Fund.

Promotion, Promotion !!!!!!

Public Mutual has launched KLIFF Award Celebration Promotion Campaign. In this campaign investors will enjoy a special promotional service charge rate of 5% of NAV for cash investments (PII and PAI) made during the pcriod of 29 Januarv 2008 till 29 Februarv 2008 into the selected Public Series of Shariah-based Funds.

The Shariah-based Funds are:

• Public Ittikal Fund
• Public China lttikal Fund
• Public Asia Ittikal Fund
• Public Islamic Equitv Fund
• Public Islamic Opporturities Fund
• Public Islamic Asia Dividend Fund
• Public Islamic Asia Balanced Fund

Well investors it is a double bonus for you if you invest right now as you are getting a lower service charge at a lower per unit fund price. The fund prices are lower right now as our local equity market are affected by the flagging US economy. You must look this as an opportunity to get a lot of unit trust at a cheaper price...it will lower down your investing cost.

New Details on Investment thru EPF

PANDUAN KEPADA AHLI


KELAYAKAN PELABURAN DI BAWAH
PENGELUARAN PELABURAN AHLI


1.0 PENGENALAN

Mulai 1 November 2007, KWSP telah melaksanakan beberapa pembaharuan dalam SKIM KWSP secara berperingkat di bawah inisiatif strategik ’Bukan Hanya Simpanan’ seperti mana yang diperuntukkan di bawah Akta KWSP 1991 (pindaan 2007). Ini termasuklah inisiatif untuk memperkenalkan Simpanan Asas bagi menentukan amaun yang layak
dilaburkan oleh ahli daripada Akaun 1 di bawah Pengeluaran Pelaburan Ahli (PPA)

2.0 DEFINISI SIMPANAN ASAS

Simpanan Asas ialah satu jumlah simpanan dalam Akaun 1 yang ditetapkan mengikut umur bagi membolehkan ahli memperoleh simpanan sekurang-kurangnya RM120,000 pada umur 55 tahun. Ahli boleh melaburkan simpanan dalam Akaun 1 yang melebihi simpanan asas dalam produk dan menerusi insititusi pelaburan yang diluluskan oleh
Menteri Kewangan.

3.0 SYARAT-SYARAT YANG DITETAPKAN

3.1 Mulai 1 Februari 2008, ahli boleh melaburkan simpanan di bawah PPA tidak melebihi 20% daripada jumlah simpanan yang melebihi Simpanan Asas dalam Akaun 1.

3.2 Pelaburan ini boleh dibuat setiap 3 bulan sekali dan jumlah minimum
pelaburan ialah RM1,000.00.

3.3 Jumlah Simpanan Asas dan contoh pengiraan adalah seperti di LAMPIRAN.

3.4 Syarat-syarat am prosedur di bawah Pengeluaran Pelaburan Ahli yang lain masih kekal dan tidak berubah.

4.0 PERTANYAAN

Untuk maklumat lanjut, sila layari laman web KWSP www.kwsp.gov.my atau menghubungi Pusat Panggilan Telefon KWSP di talian 03 8732 6000 atau Emel enquiry@epf.gov.my

KUMPULAN WANG SIMPANAN PEKERJA
JANUARI 2008


Sila Klik Gambar utk lihat dengan lebih jelas.

Chance for you to increase the return of your EPF savings

I've been waiting for this chance for a long time and now it will be realized. Before this only high income individuals or who have been working for a long time will be able to invest their EPF savings in the unit trust.

Beginning 1 February 2008, 11.4 million EPF members can invest as long as their account 1 amount exceed the required savings amount.

The basic amount that each members have to have is based on their age:
1) 25 years old (RM9,000)
2) 30 years old (RM18,000)
3) 35 years old (RM29,000)
4) 40 years old (RM44,000)
5) 45 years old (RM64,000)
6) 50 years old (RM90,000)
7) 55 years old (RM120,000)

The basic quantum of saving will be access every five years.

Example of calculation: Ali is 30 years old and has RM30,000 in account 1. For 30 years old the basic saving/min that they must have in account 1 is RM18,000. So the amount that he can invest in UT is 20% from (RM30,000 - RM18,000 = RM12,000), amounted to RM2,400. The investor still will have to pace their saving to every 3 months. Same as before.

Table below show the real return that you as EPF member get from EPF savings:

Year	2001	2002	2003	2004	2005	2006
Dividend Rate (%)	5.00	4.25	4.50	4.75	5.00	5.15
Inflation Rate(%)	1.40	1.80	1.20	1.40	3.00	3.60
Real Dividend Rate (%)	3.60	2.45	3.30	3.35	2.00	1.55

So to all EPF memmbers, lets' put your EPF saving into a higher return vehicle....

Another New Goals to conquer!

I attend the Kick Off 2008 meeting today. It was a full house. A lot of people have to stand including me...I was 15 minutes late..hee..hee serves me right. Kota Bharu Public Mutual office should hurry their search for a bigger place or the next year meeting will be seeing people standing outside the meeting room on the stairs.
Well in the meeting that I can only hear but cannot see the speaker or the screen...the speaker had announce the 2008 Challenge and Incentive trip. It is Rome, Italy and Guangzhou & Gulin,China.
I didn't make it for this year Incentive trip...too busy doing other things..:)

In the meeting The Public Mutual rep also announce:
1) Starting 1/1/2008 all EPF investment service charge will be 3%. A drastic decrease of comission for the UTC also due to this :(
2) Starting 1/1/2008 also all cash investment service charge will be 5.5% only. Another decrease in the comission for the UTC. But good news to all investors and would be investors out there..:)

But good news to UTC the FD savings of individuals did not decrease at all despite the buying spree of Public China Ittikal Fund amounting to RM 1 Billion. In October it stood at RM225,445.5Million. According to the rep the FD amount is more than that currently. So it means that they are a lot of cash rich individuals that are waiting for all UTC out there to coax them to invest in a better investment vehicle. So good luck to all UTC out there...remember the person sitting next to you may be the depositor..:)

New Fund is LAUNCHED !!!!!!!!!!!!!!

There is a new fund being launched by Public Mutual Berhad. It's called Public China Ittikal Fund. It is an aggressive and Islamic fund that is invested in China, Taiwan and Hongkong. So if you have been thinking of investing in China but cannot due the capital constraint ..this is your chance... :)

During promotional period from 20November to 10 December 2007 it will be selling at 25cents per unit with a 5.45% service charge.

So folks out there grab this great opportunity to receive great return for your hard earned money. For further information regarding the fund you can go to http://www.publicmutual.com.my/

PIDF will be accepting EPF sales (including switching sales) with effect from 20 August 2007.

The current special promotional servicec harge of 5.45% f NAV on EPF sales will be extended to include PIDF as well. This special promotion will run until 30 August 2007.

PIDF is an Islamic equity income fund that seeks to provide income by investing in a portfolio of Malaysian stocks that complies with Shariah requirements and which offer or have the potential to offer attractive dividend yields. This fund is suitable for investors with moderate risk-reward temperament who prefer to receive regular income while capital growth is secondary. Do take this opportunity to top-up your EPF investment in the PIDF fund.

The fund total return since it launched date of 14 February to 20 August 2007 is 36.75%

Single pricing... How many units will I get and how much shall I pay for my investment?

On 9 October 2006 Securities Commission announce the initiatives to accelerate growth and enhance investor protection in the unit trust industry. One of the initiatives are single pricing. below is an excerpt from the newspaper announcement:

A single pricing regime will be introduced at the beginning of the second quarter 2007 to ensure there is full transparency and disclosure of up-front costs. Unlike the current dual pricing regime where prices are quoted inclusive of charges, under the single pricing arrangements, prices will reflect the net asset value of a unit and all charges will be separately disclosed. The enhanced transparency of prices and charges will allow investors to compare the costs of investing in unit trusts associated with different channels of distribution and should lead to a more competitive cost environment.

So with this new ruling how many units will you get and how much shall you pay for your investment?

Below is an example of how the calculation is done when the fund NAV per unit is RM0.2500.

Units credited to your account:

= Amount invested /NAV per unit
= RM10,000/RM0.2500
= 40,000 units

Service charge per unit :

= NAV per unit x Service Charge (%)
= RM0.2500 x 5.45%
= RM0.013625

Total service charge incurred:

= Service Charge per unit x Units credited to investor
= RM0.013625 x 40,000 units
= RM545

Following the above, the total amount you should pay will be:
= Amount invested in PIABF + Service charge incurred
= RM10,000 + RM545
= RM10,545

EPF new regulation..

Unit trust management companies are directed by KWSP to stop accepting new EPF investments into funds with foreign exposure with effect from 21st June 2007.

Due to this new directive Public Mutual will only accept EPF investment for the following funds with effect from 2nd July 2007:-

1) Public Regular Savings Fund (PRSF)
2) Public Index Fund (PIX)
3) Public Islamic Balanced Fund (PIBF)
4) Public Select Bond Fund (PSBF)
5) Public Money Market Fund (PMMF)
6) Public Islamic Money Market Fund (PIMMF)

The new EPF investments into the above 6 funds made from 2nd July 2007 onwards are only allowed to be switched within these funds and any other funds which may be approved later.

Public Mutual also will be running a Special Promotional Service Charge of 5.45% (instead of the usual 6.5%) on all EPF investment invested into PRSF, PIX and PIBF from 2nd July 2007 until 31st July 2007.

The above 6 funds will not be investing abroad. So EPF investor grab this great discount, a big saving in service charge!

Gold for the Early Bird

The main enemy in getting a high return is not the volatility of a market, but procrastination. We can see from the diagram below what it cost to Clyde when he only starts saving when he is 27 years old.

Although he save RM1,000 a year for the next 38 years, he still cannot match the amount of money that Bonnie gets for saving only 10 years at the early age of 18. The earlier you start the lesser amount you have to save and you don’t have to seek a very high interest rate.



As it goes the higher the interest rate, the higher the risk that you have to put up with. So if you start early you can put your money in a moderate unit trust fund and still get a higher gain. You don’t have to go through the high volatility of a direct stock investment or the aggressive/high risk unit trust fund. So the best advice is start saving or investing now!.

Eight Golden Rules Of Investing.

1. Do Not Borrow To Invest.
2. Do Not Invest All Your Money.

If an investor were to invest his money in a single stock counter, he could lose all of his money if the company went into liquidation. A unit trust spreads the risk off loss by holding a portfolio of stocks which behaves in a less volatile manner. It means less sleepless night for you.

3. Do Not Invest Money You Need Soon
4. Do Not Get Emotional And Panic
5. Do Keep Investing And Stay Invested
6. Do Diversify
7. If an investor invest all his money in a single stock, when the price falls
8. Do Take Professional Advice
9. Do Give Your Investments Time To Grow.

Fund can Invest More in the Overseas...

STARTING April 1, Malaysians will be able to invest more of their money abroad as they search for better returns.

Bank Negara Malaysia has relaxed rules to allow unit trust companies to invest half of their total net asset value (NAV), or the market value of their investments, up from 30 per cent previously.

This means that unit trust firms will be able to offer additional units in funds that invest overseas.

Such funds have been selling well, but unit trust managers have complained that most of them are close to hitting the ceiling in terms of foreign investments.

"This is good news for unit trust players to come up with more global funds which will give more choices for investors to diversify their investment portfolios," Amanahraya Unit Trust Management Sdn Bhd chief executive officer Roslan Harun said.

"I personally think the figure should be more than 50 per cent of the NAV as local investors' appetite for global funds now is on the rise."

He said investors do not want to be restricted to only investing in the local market.

The announcement could entice one or two unit trust companies to focus only on global funds, he added.

"Players now can come up with products that could actually focus on specific countries, such as China and India, apart from the US and Europe," said Roslan , adding that Amanahraya Unit Trust has applied to launch a global fund.

Another industry player, a senior manager at a unit trust firm, said that this latest move had been long awaited.

"It has been close to two years that the limit was revised to 30 per cent, and some of us had expected it to go up to 60 per cent," she said.

She said that this latest development would certainly enhance investment returns as investors would be given more options for a better risk-and- return profile for their funds.

Great Bonus for Public Mutual Investors!

With regards to our market’s performance during the first half of today’s trading, I would like to reassure investors that our market fundamentals remain strong and we maintain our optimistic outlook on our market's performance over the medium-term. The KLCI opened at 1,189.58 points and declined 8.17% to a low of 1,136.01. However, as of 12:30 pm today, at the end of the day’s first trading session, the KLCI has already seen some recovery, closing at 1,162.91. From our analysis, coupled with feedback from fund managers, analysts and brokers, it is clear that our market’s performance this morning is not an isolated incident.

The sharp fall experienced early in this morning’s trading session was a knee-jerk reaction to the regional market slide caused mainly by the sharp decline of the China indices yesterday. We will continue to monitor the situation but I am assured that our market will maintain its growth position in the long run. Our economy is stable and the outlook for 2007 remains positive. Our public-listed companies also continue to demonstrate progress and provide good returns to shareholders. (Statement From Dato’ Yusli Mohamed Yusoff, Chief Executive Officer, Bursa Malaysia Berhad, 28 Feb 2007)

To some the current KLCI sharp fall is bad news as they are lossing a lot of money. But I think this is a great opportunity to Public Mutual investors in the long term as they can apply the buy low sell high concept. This is a double boon for them as concurrently Public Mutual is running the Award Appreciation Campaign. They will be able to buy at a lower price per unit and at the same time get 1% free unit.

Some of the unit trust investors have switch their equity fund into bond to lock profit. But to do this you have to know where is the lowest point before KLCI bounce back, so you can switch back from bond to equity and make profit. The safer method is to diversify your investment into bond and equity for investor with a large amount of money. But to long term investors who do dollar cost averaging they don't have to do switching. The dolar cost averaging method will ensure that the units will be bought at an actual cost which is lower than the average unit price over the same period.

I think it is a hassle to do the monitoring yourself and to run around to the Public Mutual office to submit your switching form every time there is a great change in the KLCI. This is the job for your fund managers, that is why you are investing in the unit trust fund and not investing directly to the securities in the KLCI.

What does it mean to me as an investor when public mutual offers 1% free units

Well if you as an investor invest RM50,000 and the current selling price of the fund is 25 cent per unit. What you will get is:

RM 50,000 ÷ RM0.25 = 200,000 units
1 % Free units = 2,000 units

Total units that you as an investor will get is 202,000 units. The total cost of your investment will go down to:

RM 50,000 ÷ 202, 000 = 0.2475 cents per unit

So those who take this opportunities to invest will reap attractive capital gains on his "enlarged" unit holdings when there is a market upturn.

Panduan Mengkayakan diri anda

101 Petua Murah Rezeki & Jauhi Hutang

Ustazah Siti Nor Bahyah Mahamood

Buku ini memberi pelbagai petua dan tips bagaimana dan di mana untuk kita mendapat rezeki yang murah dan melimpah ruah. Di samping itu ia juga memberikan panduan dan selok belok menghindarkan diri dari hutang..

Harga Pasaran : RM19.90 Harga Ahli VIP : RM18.90

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7 Formula Individu Cemerlang

Dr. Danial Zainal Abidin

Buku ini membongkar rahsia kejayaan dan kecemerlangan individu sejak beribu tahun. Buku yang mesti dibaca oleh individu yang hendak berubah apabila dunia berubah..

Harga Pasaran : RM33.00 Harga Ahli VIP : RM31.50

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Ubat Hati

Ustazah Siti Nor Bahyah Mahamood

Panduan melakukan eksplorasi hati bagi membentuk hidup yang lebih terarah, bermakna dan cemerlang!.

Harga Pasaran : RM19.90 Harga Ahli VIP : RM18.90