Tengku Zawyah Tengku Izham - Articles - Zimbio

(Gambar) Ekin Bertudung ala-Siti Nurhaliza’lah Pulak

Sun, 10 Nov 2008 09:17:00 GMT

posted by salleha

End Bankruptcy Woes With a Fresh Start Loan
If your past financial circumstances left you with no choice other than to file bankruptcy, you may be working on rebuilding your credit file. Bankruptcy plummets your credit score down to the lower 400s, so the task at hand is not simple - but not impossible either. You can reestablish yourself as being creditworthy in a year or less with a fresh start loan.

A fresh start loan is a loan that most banks are more than happy to approve. You can be looking at credit scores of 700 or better in no time.

Fresh Start Loan Jump Starts Credit Rehab

When you take out a fresh start loan, you deposit an amount that is equal to the amount that you wish to borrow into an interest-bearing savings account with the bank or lending institution. The lender then loans you the amount that you deposited; you then make monthly payments on the loan until it is paid off. Your savings account is used as security on the loan.

The advantage of taking out a fresh start loan that is backed by a savings account is twofold. The loan not only works to improve your credit score by reporting your good payment history to all three major credit bureaus, the savings account looks good to other potential lenders while it pays interest on your money.

Keep Your New Slate Clean

Since the discharge of your bankruptcy, you are starting new with a clean slate. This is the best time to become a responsible borrower. There are a few basic strategies that can point you down the right road when it comes to rebuilding your borrowing reputation.

The most important first step is to formulate a budget and stick to it. A budget is important because it assists you in making intelligent and financially sound decisions during the vital months following bankruptcy. Never extend your credit beyond the 28/36 ratio that lenders look at when they determine your eligibility for a loan.

Implement the 28/36 Ratio

The 28/36 ratio is typically used to mortgage financing; however, following its guidelines can help to improve your credit score fast. The 28 in the 28/36 ratio means that you should dedicate no more than 28 percent of your gross monthly income on housing payments. This could apply to rent if you are a non-homeowner. The 36 stands for setting aside no more than 36 percent of your gross monthly income towards recurring debt payments, including your housing expense, car loans, student loans, credit card payments, child support, or judgments. That means that if you have a gross monthly income of $2000 - your combined housing payment and other debt payments should not exceed $720. Implementing the 28/36 ratio system into your budget can be a sure-fire way to succeed in rebuilding your blemished credit file.

Make it your new practice to not take on more debt than you can comfortably manage. A well-thought-out budget can aid you in making smart decisions about how much credit you should take on.

Remember that the only way to rebuild your credit is to have credit. The fresh start loan that is secured by a savings account is a great way to save money while you watch your FICO score rise.

Gambar Artis di Majlis Rumah Terbuka Kumpulan Utusan

Fri, 18 Oct 2008 02:25:25 GMT

posted by nicky

Sungguh glam u!! The event was graced by the presence of DATUK SITI NURHALIZA and DATUK K, EKIN and MAWI as well as other celebrities. Siti was looking great after being out of the spotlight for quite sometime. SMK PERLIS‘S PHYSICS TEACHER, AZHANA IBRAHIM? Well she’s not on the list.

[buy handbags online, murah..murah - click here]

TARUDIN’S GIRLS - SITI NURSAIDAH, SITI NURHALIZA, SITI SAERAH TARUDIN

I HAVE TO SAY THAT SHE STILL HAS THAT X-FACTOR

[buy handbags online, murah..murah - click here]

MAWI AND Nora’Ashikin Rahmat@EKIN - MERAH SANGATLAH MAK NGAH!! DUE TO GET MARRIED 20 DECEMBER IN JOHOR BAHRU. I WAS INFORMED THAT THEY WILL GET RM 5 MILLION FOR THEIR WEDDING COVERAGE RIGHTS

[buy handbags online, murah..murah - click here]

A NOTE ON CALVIN KLEIN LABEL

Calvin Klein is one of the leading fashion design and marketing studios in the world. It designs men’s and women’s designer collection clothing and a wide range of other products such as Calvin Klein hangbags, Calvin Klein belts and Calvin Klein shoes. Since its 1968 start, the Calvin Klein brand has become synonymous with sleek and sexy shoes, adorably functional handbags, and quality, stylish clothing. Being one of the most widely recognized fashion brands in the world, Calvin Klein is rapidly establishing the market position that a brand of its stature deserves. The successful performance of every new collection and the growing number of international stores is just the beginning of Calvin Klein’s tremendous potential. Keep an eye out for Calvin Klein clothing, Calvin Klein shoes, Calvin Klein handbags and Calvin Klein accessories as they climb to new heights in the fashion world!

anak cina, Ezzahuddin Dr. Ahmad Zulkifli, gambar artis rumah terbuka, gambar cikgu azhana ibrahim, grant corban, gregdiaries, intan sarafina kahwin, kumpulan utusan, malaysian, motorshow girl models, open house utusan, pak abu gubahan, pc fair girls, pelajar smk perlis tendang guru, singapore merlion, supermodels, temasek power seraya bid winner, visit singapore tourism

Gambar Terbaru Siti Nurhaliza, Semakin Kurus!

Tue, 5 Nov 2008 15:31:57 GMT

posted by nicky

Semakin mantap wanita yang bernama Siti Nurhaliza ini. Semakin kurus nampaknya. Semakin bahagia Datuk K, apatah lagi bila Siti bertambah manja! Semakin lentikla misainya kalau camni.. Siti recently posed for Singapore’s magazine, MANJA for its November issue. She looked absolutely superb with excellent body shape plus very polished and chiseled chin. Some say she has some fat or cellulite or whatever you want to call it, sucked out of her body, but I guess this is just pure hearsay. Siti Nurhaliza buang lemak? Oh tidak!!

antoo fighters, duta slimworld, gambar terbaru datuk siti nurhaliza, kahwin cowboy, london slimming centre, malaysian girl, nikah di narathiwat, perut berisi nora danish, semakin kurus, slimming sanctuary, slimming world

Khas Untuk Peminat Siti Saerah

Tue, 29 Oct 2008 08:14:00 GMT

posted by ellyna85

Friendship - It is the Key to Happiness
Human beings are basically gregarious by nature.They are constantly in search for varied facets of 'friendship' like warmth, understanding, companionship, empathy and sympathy. It is a pity that very often, in their relentless search for it, they fail and that is the tragedy of life. I truly wonder how many of my readers can sincerely claim to have friends,who would genuinely cater to the above-mentioned needs.

Of course, most of you would instantly chuckle "I have several good friends." To this I have no qualms, no wish to dispute on that score. No doubt, you have persons in your social circle, who are 'good' enough to spend time with, chatting about your husband, your home, your children or perhaps even your latest clothes or hair-do! No doubt, you even have several good friends to go to movies, picnics and parties with.

Now tell me honestly, how many of these so-called friends would come to seek you in your hour of need, who would run to you as fast when you have an empty pocket as when you were a social magnate; who would love you for what you really are and not in accordance to what you could do for them? If you are indeed lucky to have even a couple of such genuine friends, then my sincere advice to you is to hold fast to such friends. I mean treasure them, and see to it that you make yourself truly deserve such friends, for your life will be richer for having gained their friendship and your world poorer, for having lost it.

A psychologist once asked a group of college students to jot down in thirty seconds the initials of the people they disliked. Very few could think of only one or two people. A large majority of participants listed as many as twelve to fifteen. The interesting fact that came out of this random survey was that those who disliked the largest number were themselves the most widely disliked. Thus it can be rightly conceded that the law of life is "'What you give, you get - for it is in giving that we receive." and this is especially true of friendship.

Friendship is ultimately the key to happiness which in turn implies that true and lasting happiness depends to a large extent on the company we keep, and our "real" friends whom we hold close to our hearts. If we contend to agree that our happiness is dependent on the happiness of those we love, then it is natural that we seek not what our friend can do for us but rather, what we can and most importantly want to do for our friend. Those of you who feel deprived of "true friendship", my plea is to search your mind and hearts and find out honestly if you have paused once to realize what sort of friend are you. In short, are you yourself, a true or "real" friend?

I will end on the following quotation: "A true friend may well be reckoned a masterpiece of Nature." Ralph Waldo Emerson {U.S. Poet & Essayist

Happy 28th Birthday Datuk Siti Nurhaliza!

Sun, 28 Apr 2008 02:51:00 GMT

posted by wanazrif
I am a fan of Datuk Siti Nurhaliza, but don't even remember her birthday fall. Anyway happy belated birthday Siti. Here some pictures of Siti Nurhaliza and Datuk K over the years they spent together celebrating Siti's birthday. I ciplak tak ingat this picture without permission from Syokkahwin :)

Video Siti Nurhaliza 28th birthday