Good people with good heart

I work really hard for my last draft and sent it to my professor and it was not very good. In other words it sucks I guess.... The structure is still not good the English is bad. But the latest draft was better altough I didn't work as hard as the last draft because my mind is on the Paper that I'm writing, desecularization thesis.

Thanks to Martin for helping out with the kitchen duty. I owe you bro.. I wonder how ppl can be so nice. Like me, I'm nice because I want to please the almighty, but how about people who doesn't believe in the Almighty? How can they be nice? May Allah bless him and give him the Hidayah

Gelukkig Niew Jaar

I think next time I really have to plan my new year. 31st december, went to Amsterdam with Jeff and Nareen. Nareen haven't been to Zaans Scans so I followed them. FYI I've been to Zaans Scand for 5 times already...dah naik bosan... After that we dropped Nareen at the station and both me and Jeff went to the Red Light District for "Window Shopping" except this window shopping has no discount!!! shheeeshh!. Bored of window shopping we went to the Sex Shop which has the biggest Sale and guess who I found??? Malaysian Students!!! Muka sanggap semua hahaha.... They are students from the UK and pretty friendly. They were trying to find a place to stay but everything in Amsterdam is fully booked!!! So I offered them to stay at my place which is 3 hours away and they said nvrmd. I'm not too worried abt that because there are 5 of them and they are in AMSTERDAM during NEWYEAR's EVE.......

Instead of celebrating new year in Amsterdam, I've decided to celebrate new year in Groningen. Went to a party, but dunno anybody there exept my pal Derek from germany, my roomate and Jeff. Jeff and I decided to watch new years fireworks outside at the city center. It was not as cool as the ones in Sydney though. But I did get a strange experience. One hot dutch girl came to me and hug me and the lifted me UP! I didn't know what to do!!! It had somehow emasculated me in a way hahaha. Anyway we watch some fireworks n went back home....

Got e-mail from prof... He said "although I have many comments, I think this is exellant work" waaaah bestnya. Alhamdulillah. I did just what he asked, start from general from specific. So I described world Poverty in general, gave the stats. Then I scope down a lil bit to Asia... And I just found out that countries like Japan and South Korea are welfare countries. However when I narrow it down to south east Asia, there's nothing about welfare country. Maybe singapore is going towards that... they have sortof heavy tax exemption if you r below certain income level.

Bukan senang nak dapat good comments drp orang belanda. They are sincere and sometimes for our standards, quite blunt. Which is good! I need an honest oppinion regarding my work

When I was doing work all day, I didn't really make time for cooking. So lapar aaaa... makan chips ngan guacamolee ja. Allah maha kaya, while I was at the kitchen, ada mamat italian nie buat pizza. He needed to use the oven coz at his student house, the oven is not working. so he use ours. He baked pizza in large portion. So, offer aaa si lapar nie skali. Bessssttt and its veggietarian so bole laaa aku makan.

Life's great!!!

Ik hou van Nederland!!!!! Life's great!!! Beeeessst nampak ice crystals(mcm laaa tak penah nampak kat CAnberra haritue) . And the chicks are super hot!!!.... I'm on my way to success....Nobody can stop me!! Alhamdulillah

Change topic

Goshhh gotta crack my head on a new topic. The main concern is the data.... Where the heck am I gonna get the data??? NPL on Islamic product by state per se??? Goshhh Henk is comin back from US n I gotta show some progress. To start a problem statements takes alot..... Dah la tuee.. dengar roomers plaks saying that budget dah abis this year huhuuuu Owh Allah, help mE....

Hopefully I get to stay in hostel for a few more months.... Things can get a lil bit boring but I can manage. Shoot!! have to focus more.... things a lil bit blurry lately... tahajud pun tak bangun... I guess sbb tu kot macam tak tenang....... Kak Yus, kak Linda, Kak Eli n Kak liza, orang dah panggil Dr Dah.... Ziad bila lagi????????????? Susah buat local je laaaaaa..... Tp tringin nak pi holland....

Aduuuhhh...... mcm2 dalam otak......

Antar proposal cepaaatt...

I should be finalising my proposal...heck I'm still writing this blog although there are no followers.... I asked for an offer letter from Prof Henk, he said not yet...Coz he needs approval from external comitty(dunno the spelling). However, he is so nice and want to send me a letter that he's workin on a proposal with me and that he's gonna be my mentor... well that's a relief. E-mailed a professor from UKM, not yet balas for co-advisor just like what henk asked.

An annoying sms asking me to do solat Istikharah.....

Report duty hehehe....

Yessssss , USM called. I'm supposed to report duty wahkahkah...Walaupun gaji ciput, I still looove it. i alwiz wanted to teach. It is my passion. hope students like me. Goooshh its sooo humid here in Malaysia. I went jogging last few days, it was takin a toll on me. Anywayyyzzzz...

Here's my input wahkah kah ...Input la sangat...

I'm still maticulusly checkin out what Bonfim2009 is talkin abt.

What they did was grouping the models for credit risk from Crouchy et al 2000, Gordy 2000,, Saunders and Allen 2002 and duffy and singgleton 2003. By the way, I hav to find out what these guy's have been yakin about, just to have a rough idea about how bonfim2009 yakin about the 3 modellin criterias.

1) Models that use Acc variables
2)Models that use market info
3)Models that use macroeconomic variables.