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Showing posts with label My Story. Show all posts
Showing posts with label My Story. Show all posts

Pengalaman Saya Dengan Bahasa Inggeris Di Universiti

 


Assalamu`alaikum dan Selamat Sejahtera kawan-kawan, sahabat-sahabat dan juga Saudara Saudari sekalian…

 

Di sini saya ingin menceritakan pengalaman saya mengenai bagaimana saya struggle di Universiti hingga mendapat Kepujian Kelas Dua Atas..

 

Kos yang saya ambil di Universiti adalah kos Sains Aktuari, iaitu lebih dikenali sebagai Arkitek Kewangan. Kos ini tidak mempunyai subjek yang memerlukan kita membaca dengan banyak kerana kos ini majoritinya adalah pengiraan atau juga Matematik.

 

Kos Sains Aktuari ini ditawarkan di UKM di dalam Fakulti Sains & Teknologi dan berada di bawah Pusat Pengajian Matematik.

 

Apa yang saya ingin kongsi adalah kesemua buku teks adalah dalam Bahasa Inggeris. Keadaan saya pada masa itu berkaitan Bahasa Inggeris, iaitu apabila saya baca atau rujuk buku teks, saya membaca ya, sekadar membaca sahaja, tapi tiada satu pun ayat yang saya faham. Buku teks pula adalah jenis yang terkini, di mana sebagai contoh dari langkah A nak ke langkah M, ia hanya terangkan dalam ayat dan tidak banyak jalan kira yang direct dari A ke B kemudian Ke C dan seterusnya ke M. Kebanyakan buku teks adalah direct dari A ke M. Nak tahu bagaimana cara kira step by step, terpaksalah buat research dan study sendiri.

Oh ya saudara saudari, di UKM pada zaman saya ialah Bahasa yang digunakan adalah Bahasa Inggeris dan Melayu. Ada subjek dalam Bahasa Inggeris dan ada subjek dalam Bahasa Melayu. Bagi subjek yang dalam Bahasa Inggeris, memanglah, kuliah pensyarah saya tidak faham langsung. Balik bilik buka buku, juga dalam Bahasa Inggeris. Alamak!! Keadaan ini boleh menyebabkan saya fail semua subjek kerana tak faham langsung.

 

Jadi, teknik yang saya gunakan adalah, hanya lihat nombor dan pecah kod tatakira dari sebagai contoh tadi A ke M.

 

Begitulah saya sehari-hari belajar, ayat dalam buku teks tidak faham, hanya tahu tengok nombor dan pecah kod sahaja… hehehehe…

 

Mujurlah kos Sains Aktuari ini banyak pengiraan Matematik dan sedikit sahaja subjek yang perlu membaca, sebab itulah saya boleh survive ambil kos ini di Universiti.

 

Sekiranya saya ambil kos yang majority subjeknya adalah membaca, buku teks pula dalam Bahasa Inggeris, sudah tentunya saya fail di peringkat Universiti.

 

Walaubagaimana pun, walaupun saya tidak faham satu ayat pun ketika membaca buku teks dalam Bahasa Inggeris, yakni keadaan Bahasa Inggeris saya pada masa itu terlalulah lemah.

 

Setelah saya habis belajar di Universiti, barulah saya masuk kelas Bahasa Inggeris, belajar grammar dan juga tambah vocabulary.

 

Setelah tamat Universiti dan juga kelas Bahasa Inggeris, keadaan saya pada masa itu bolehlah di katakana sederhana dalam peringkat Bahasa Inggeris. Oleh itu, saya mengambil keputusan untuk belajar sendiri Bahasa Inggeris, di mana saya rujuk kepada Buku Bahasa Inggeris peringkat PMR dan sehingga sekarang saya masih lagi tambah vocab Bahasa Inggeris.

 

Hasilnya, saya boleh menulis Blog dalam Bahasa Inggeris dan sekarang saya sudah faham bila membaca buku atau artikel-artikel dalam Bahasa Inggeris. Jika gred Bahasa Inggeris adalah saya berada  pada tahap OK, faham Bahasa Inggeris dan boleh berkomunikasi dalam Bahasa Inggeris melalui chatting. Speaking dalam Bahasa Inggeris, saya belum cekap lagi tapi saya berpuas hati dengan tahap Bahasa Inggeris saya sekarang… Hehehehe…

 

Ok lah saudara saudari, setakat itu dahulu saya kongsi perjalanan hidup saya, terima kasih 😊😊😊😊


Sejarah Perjalanan Saham Saya - BursaMarketPlace

 



Saya ingin Share Dengan Pembaca-pembaca Mengenai History Saya Dalam Berdagang 😊

 

 

Pertama sekali, jika anda lihat, pada 17 November 2020 saya cipta modal sebanyak RM100,000. Kemudian pada hari yang sama juga, saya withdraw atau saya buang lah modal RM99,000. Jadi tinggalah modal saya sebanyak RM1000.

 

Saya buat modal RM1000 kerana ingin mencari formula untuk buat duit menjadi 1 juta dalam 10 tahun. Jadi pada mulanya saya letak RM1000 dahulu dan ingin tengok perkembangannya.

 

Oh ya saudara saudari yang saya hormati, saya berdagang saham adalah menggunakan duit olok-olok, bukan duit betul, ianya sekadar menambah ilmu dan pengalaman 😊

 

Setelah saya berdagang saham dari 17 November 2020 sehingga 30 November 2020, saya dapati dari seribu ringgit nak jadi 1 juta dalam masa 10 tahun adalah sedikit susah.

 

Oleh itu, pada 30 November 2020 saya tambah lagi modal RM1000 dan kini modal asal saya ialah RM2000.

 

Ianya terjadi sehingga 25 Januari 2021 di mana saya jual kesemua saham yang saya beli.

 

Dan baki duit olok-olok saya dari RM2000 menjadi RM2474 iaitu dengan keuntungan RM474 atau bersamaan dengan 23.7%

 

 

Sekian dahulu perkongsian saya mengenai sejarah saham saya… 😊

 

 

 

25 Jan 2021

Sell 200 MR D.I.Y. GROUP at 2.960 per share

 

25 Jan 2021

Sell 200 P.I.E INDUSTRIAL at 3.090 per share

 

23 Dec 2020

Buy 200 P.I.E INDUSTRIAL at 2.380 per share

 

23 Dec 2020

Sell 100 INARI AMERTRON at 2.610 per share

 

19 Dec 2020

Buy 100 MR D.I.Y. GROUP at 3.200 per share

 

18 Dec 2020

Buy 100 MR D.I.Y. GROUP at 3.200 per share

 

 

18 Dec 2020

Sell 300 CAHYA MATA S'WAK at 1.880 per share

 

14 Dec 2020

Sell 100 DRB-HICOM at 2.100 per share

 

11 Dec 2020

Buy 200 CAHYA MATA S'WAK at 1.980 per share

 

11 Dec 2020

Buy 100 CAHYA MATA S'WAK at 1.960 per share

 

04 Dec 2020

Buy 100 DRB-HICOM at 2.130 per share

 

02 Dec 2020

Sell 100 CAHYA MATA S'WAK at 1.870 per share

 

30 Nov 2020

Add RM1,000.00

 

26 Nov 2020

Buy 100 CAHYA MATA S'WAK at 1.680 per share

 

25 Nov 2020

Buy 100 INARI AMERTRON at 2.670 per share

 

24 Nov 2020

Sell 200 JAKS RESOURCES at 0.610 per share

 

24 Nov 2020

Sell 300 PARLO BERHAD at 0.400 per share

 

23 Nov 2020

Sell 400 SYF RESOURCES at 0.310 per share

 

23 Nov 2020

Sell 100 MUHIBBAH ENGINE at 1.070 per share

 

20 Nov 2020

Buy 200 JAKS RESOURCES at 0.640 per share

 

20 Nov 2020

Sell 200 TIONG NAM LOGIST at 0.680 per share

 

19 Nov 2020

Buy 300 PARLO BERHAD at 0.470 per share

 

19 Nov 2020

Sell 1000 PDZ HOLDINGS at 0.100 per share

 

18 Nov 2020

Buy 200 TIONG NAM LOGIST at 0.780 per share

 

18 Nov 2020

Buy 400 SYF RESOURCES at 0.340 per share

 

18 Nov 2020

Buy 100 MUHIBBAH ENGINE at 1.040 per share

 

17 Nov 2020

Buy 1000 PDZ HOLDINGS at 0.130 per share - Commission (RM) 8.00

 

17 Nov 2020

Withdraw RM99,000.00

 

17 Nov 2020

Add RM100,000.00

 

 

Oh ya, sekiranya anda ingin berdagang saham dengan duit olok-olok, boleh pergi ke :

https://www.bursamarketplace.com/

 

😊😊😊😊😊😊😊😊😊😊😊😊😊

Summary of Actuarial Mathematics

 

Actuarial Mathematics

 

Ocay, what is an Actuarial Mathematics ?

 

Actually, Actuarial Mathematics is an FORMULA to create an insurance product. Actuarial Mathematics is actually built from the combination or uniting of Financial Mathematics and Survival Model.

 

So from combination of Financial Mathematics and Survival Model, after calculation has been done, the Actuarial Mathematics will exist.

 

Actually also, the Actuarial Mathematics is a Model or formula to create the insurance product.

 

Through Actuarial Mathematics formula, we can create insurance products and also can determine the Reservation of money that Insurance Company should have at the time.

 

For example, at 10,000 of policy holders as customer, in this year of August for example, how much should Insurance Company have money in order to cover of all policy holders if something bad happened like death, or attack by any disease that covered by Insurance Company.

 

In short note, through Actuarial Mathematics, we also can determine how much should Insurance have money at certain time, that is called as Reservation.

 

Creating of Insurance Products using Actuarial Mathematics is actually creating with the price. So that, through Actuarial Mathematics, we can determine all of Insurance Product Price.

 

That`s all about subject we should know in order to create insurance products ( Calculus, Statistic, Financial Mathematics, Survival Model and Actuarial Mathematics).

 

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Summary of Survival Model


What is Survival Model ?

 

Actually Survival Model is a Probability Model in order to find of the Probability of life.

 

Normally we use statistic method and the past data to create a Survival Model. Usually Survival Model is created based on past data and the using  Kaplan Meier Curve method  in order to build a Survival Model.

 

When we have Survival Model created, so we can find for example for people at the age of 24 could survive after 5 years. When we have a model created, we can find any probability of survival of any age, for example again, we could find the probability that the baby who is just born will be survive until at the age of 24.

 

In short note, that is Statistic Method, we should have past data, and then use the Kaplan-Meier Curve Method to build a Survival Model...

 

 

Ocay, that`s all a little bit about the Survival Model...

 

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Financial Mathematics

 

Today I want to share about Financial Mathematics with you all...

 

Ocay, What is Financial Mathematics ? Actually Financial Mathematics is a way for the Banks in its calculation of any loan or for its investment products.

 

Actually, in Financial Mathematics, we have learnt that for the price of, for example, the price of a car is a $80000, then we want to make a loan with the bank for amount of $80000. Then, we want to make a loan for ten years with the rate of the interest of the bank is as much as 4% a year. So we want to know how much should we pay every month with the interest of 4% a year as much as 10 years. How much should we pay a month ?

 

In a short note, we use Financial Mathematics method to calculate the installment for every month of the car.

 

In a investment, for example, one company offer a dividen as much as 6% a year if we invest our money with their company. Ocay, if we invest one time for $10000, how much it is of our money accumulate after 10 years ? In this situation, we also use Financial Mathematics to calculate our money after 10 years investment.

 

Second example is, if we invest $100 a month with 6% a year as dividen, how much will be of our money to be accumulated after 20 years. In this situation, we also use Financial Mathematics to calculate of our money after 20 years.

 

In a short note, Financial Mathematics is an about of interest and dividen. Hehehehe...

 

Ocay, that`s all for today my beloved friends... Happy reading.... =)

 

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Summary 3 of Statistic


Hi all...Hopefully you are in a good health...

 

Today I want to share about last part of Statistic that I have learnt in Universiti Kebangsaan Malaysia.

 

The topic is about the Prediction, not a probability but a Prediction..

 

Ocay, what is the difference between Probability and Prediction ?

 

Actually the Probability is a chance of something to be a value that we want AND the Prediction is the value of something after we have analyzed it, for example in the next month, the sales of our company will be as $100000 as a prediction we have analyzed it.

 

Ocay, we can find the Probability the sales in the next month will be as $100000. Based on the past data, we got the Probability to get sales as much as $100000 is 0.76 or 76%. So, the Prediction is $100000 and the Probability is 0.76. Hopefully you all will see the difference between the Probability and Prediction.

 

For Prediction, we usually use a Regression Method. For example, we want to know the prediction of Composite Index of the next day based on the Plantation Index today and the Mining Index today.

For example :

Y = Index Composite of the next day

X = Plantation Index today

Z = Mining Index today

 

So, through this analysis, we want to know are there existed the relation between Y, X and Z.

 

So we make the regression analysis and for example we got there have relation between Y and X and Z and for example the value of it we got as :

Y = 0.41X + 0.13Z


So we can predict Y right  =)


Ocay, that`s all for today....



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Summary of Statistic 2


 

Hi, have a great day today...

 

In this day I want to share of Statistic again but the topics is about how we want to calculate the probability of mean, proportion and variance.

 

What is the mean meaning ? Actually mean is an average.

 

Normally we find the probability of some data like the marks of student. For example the probability of the marks of student getting A in examination.

 

But In this topic, we would like to find the probability of the marks average of student getting score 50% and above. Not the probability of one student getting score 50% and above but the probability of average of marks of the student getting score 50% and above.

 

It is same to proportion and variance. We use Sample Distribution to find the probability of the Mean, Proportion and Variance.

 

Ocay, that`s all for today...

 

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Summary of Statistic 1

 



What is Statistic ?

 

Actually, Statistic is a mathematical method to find probability of something and also to predict of something like stock exchange or anything that have a data so that we can predict it.

 

The way to calculate of Statistic Method is we usually use calculation of Calculus.

 

There has two category of function, one is Discrete Function and one more is Continuous Function to find the probability of something.

 

For Discrete Function we have :

1)    Binomial Distribution

2)    Geometric Distribution

3)    Negative Binomial Distribution

4)    Hypergeometric Distribution

5)    Poison Distribution

 

For Continuous Function we have :

1)    Uniform Distribution

2)    Normal Distribution

3)    Gamma Distribution

4)    Beta Distribution

 

 

What is Distribution ?

Actually Distribution is a behaviour of some category data and each Distribution have its method of calculation to find the probability, mean, and variance. Actually each Distribution is a behaviour of something category data that analyzed by Mathematicians so long ago and give the results of something category of data. For example, if we want to analyze or find the probability of A category data, we use Z Distribution, and for category data of B, we use V Distribution. To get knowing of the data follow of what Distribution, there has a few Conditions and for example we can use Binomial Distribution if the situation and data are in the Conditions of Binomial Distribution.

 

That`s all for today..In another article, I will share about Statistic also, but is in the Sample Topic of Statistic.

 

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Summary of Calculus Subject that taught in University Level ( One of Main Subject of Actuary)

 

Firstly, I would like to share what is a Calculus method that actuary learn to create insurance product. Actually Calculus is a calculation method in Statistic in order to find the probability or prediction of the something that we want to know.

 

It is about Differentiation Method and Integration Method and also how to calculate the function of probability whether it is Discret Function or Continuos Function. What I have learnt is about how to calculate of probability whether it is Discret Function or Continuous Function. For Discrete Function, we usually used of plus (+) and minus (-) method. And for Continuous Function, we usually used the Differentiation and Integration Method.

 

In this part, we also learnt about how to calculate the mixture function, which is some part it is in Discret Function and another part is in Continuous Function.

 

What is the Function meaning ? Actually, the Function meaning is the probability.

 

That`s all for today... Thank you for reading..

 

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Ocay...Have a good day..bye.. =) =)


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