Home Financing/Refinancing

Life has been veryyyyyyy busy for me recently. Many task on my table and I have to cope with many things. As at the moment I am doing loans and investment, I have various type of works loaded on my table! And sometimes I even get confuse and what not, I even have gotten the wrong person for the wrong product to key in. So now, I have to keep my time specially to double check on the submission and the owner. Wrong name, wrong product, it means I will be dead meat! :P

Well today, I am going to write about home financing. For 1st time buyer, who is looking for a new home to buy, yes, it is a good time to buy as our BLR has gone down to 5.55 compared to 6.75 last year. And after deduction of the rate, my bank offering rate of 3.7% p.a to customer. Few years back, many people suffered of paying about 7-10% interest p.a. So what are you waiting for? Find a home and finance it.

What if you do not have sufficient fund for financing? You still have solutions! And I am going to tell you a secret. If you having difficulties in sparing 10% of your money or lets assume you do not have money for the down payment,I would normally get the best price for you so that you could run from paying the 10% down payment of the property's price. Just whisper to me. I would try my best to keep you easy.

For you who already own a house, what are waiting for? Refinance your home to get lower rate AND get extra money for renovation or if you in need of cash, yes, refinancing is the solution.

And for you who does not have any properties, buy property. Why? Later when you are in need of money, you can always refinance you property base on the market value and get the extra money for your usage! Simple! If you have any questions, do not hesitate to ask, I will guide!

P/S: See, I told you that I am superbly busy. Sorry for not being able to drop by your blogs peeps! Tomorrow I am going back to hometown for kenduri and wont be reachable. To all of you, have a nice weekend with hubby n family!

To Do List!

Ok sekarang ni ada hutang yang perlu dibayar:-

-->entry gi genting (xleh nk buat coz now kat umah mak kita. cable camera kat umah MIL)
-->tagging game dr LOE pun ada hutang. sbb pic kucing kita pon xde kat laptop ni skang. pendrive tetinggal kat umah MIL...

Sekarang ni ngah dok nak main farmville kat facebook. Hubby lak ngah tido dia pening kepala. Dah bg dia mkn panadol tapi dia belum mkn mlm lg. So let him sleep 1st, jap lagi kita nak kejut ajak gi menyumbat perut. Bermakna kita yg dah mkn ni pon kene mkn lagi sekali :D

Esok pagi nak pergi ofis ada kerja-kerja yg perlu disiapkan dan byk perkara juga kita nak prepare so next week kita dah mudah.com.my

Pada u ols sume, selamat berhari weekend bersama hubby/family tersyg!!!

Weekend (Part 1)

U ols, entry kali ni ialah 2 weekend yg disatukan. Mak busy u ols! X sempat nak update. 1st weekend tu I n officemate ikot kak shaz yg juga officemate, blk kg kat Rembau. Dia ajak pi mkn buah kat kampung dia. Mmglah I ni hantu buah kan. Laju je bila org ajak tu. Paling meroyan tgk buah manggis dia. Banyaklah I mkn hari tu. Pastu yang plg masyuk sekali bila kakak kpd kak shaz ni masak lemak tempoyak. FYI, ni lah 1st time I mkn tempoyak. Kita ni org Johor tak pandai tempoyak bagai. Tapi baru tau.. sodap gak tempoyak ni!

So kitorang pi sana gerak pagi, sebelum maghrib dah gerak blk KL. Perut kenyang sgt siap tetido2 dlm kete. Thank you kak shaz for bringing us back to your hometown. And thank you to Mak Tam (tukang masak aka sister kak shaz), Pak Tam (suami tukang masak aka abg ipar kak shaz), Pak Anjang (tukang jolok buah aka abg kak shaz)

**Kak Shaz & Shekin**

**Madihah, Sarah & Me**

**We all kat gerai cendol yang dikatakan famous amos kat sana. Cuba tgk marketing dorang tu. Cannot resist!!!**

**Hello hubby! I makan cendol ni. Sodap!**

**Me & Madihah**

**Shikin & Shekin**

**Takde pakwe handsome kat atas pokok tu**

**Mmmm sedapnya pelok!**

Oklah before balik, nak melompat dulu! Sukanya kitorang!! Bye2 Mak Tam, Pak Tam and Pan Anjang! Kita janji nak jumpa bln Ogos kat KL, nak bawak depa pi mkn seafood kat Bagan Lalang!!

Dapat Award!

Hihihi kita kutip award yang dianugerahkan dari LOE tersyg! Thank you LOE.

Oklah lelain to be continued later. Mak metua ada ngan kita ni. Dia ajak borak!!

More Stuff To Be Updated

Ingatkan nak update activities for 2 weekends yang dah tergendala mlm ni. Tapi unfortunately mlm ni kita kena selesema n perut tak sedap je rasa. Tapi dalam pada tak sedap perut tu, dah melantak memcm; putu mayam sikit, jagung sikit (2 ketul hihihihihi), kek buah sikit (6 pieces hohohohoho), keropok ikan (sekeping), buah manggis sikit (ada la dlm 4-5 bijik. tiap 1 bijik kan ada dlm 5-6 ulas huhuhuhu) dan segelas air suam. Itu untuk diunner setakat pukul 9.30 mlm tadi.

Now kita ngah tunggu hubby tapaokan kita nasi goreng sotong. sejak 2 minggu lepas, kita dok mkn nasi goreng sotong je tiap mlm. Mmmmmmm sedapnya!!! Kenyanglah cemane pun, there will always many space for nasi goreng sotong in my tummy :D. Jawapannya haku makin gemuk laaa ni!!!

Kejap lagi kita snap pic nasi goreng sotong tu tau. Sedapnya!!! Anyways nanti kita dha sihat walafiat and senang hati, kita letak pic activities last 2 weeks termasuk birthday hubby kita hari Ahad semlm.

Pada hubbyku, happy birthday cyg! Semoga dimurahkan rezeki and I love u! Many ***hugs & kisses***

Blogger Template/Layout

This few days, I banyak betul round2 carik page template utk my dear blog ni.. And Ive got the idea to start designing templates. I mmg suka kerja2 craft & arts ni sebenarnya. Cuma x berkesempatan nak further study utk course ni. Now plak keje makin bertambah, tanggungjwb pon sudah berubah. Maybe tunggulah beberapa ketika baru gi sambung belajar lagi kan..

Dulu masa zaman myspace baru famous kat Malaysia ni, bukan main lagi I sampai tak tido malam design layout sendiri. Walaupun takde knowledge lansung pasal HTML and CSS tapi kugagahkan juga belajar dari net. And bila dah pakai tu, org plak minta kita buatkan design utk myspace diorang. So yeah, I had generated some income from it!

So kita rasa kita nak start lah belajar2 ni hah. Nak design template yg comel2. N for the time being maybe buat suka2 je lah. takde pon nak cari income. Tapi if mendapat sambutan baru fikirlah next step. So sekarang ni byklah homework n revision nak kena buat.

Selain dari tu, dalam masa 2-3 thn dari sekarang, mmg kita nak masuk kelas yang berkaitan arts & design or deco. Yang penting apa2 je lah pasal arts. Dlm kepala skang ni nak masuk kelas Nurul Shukor pun ada. Nak masuk kelas bakery pon ada. So kena schedulise bebetul. Kita ni mmg ada air tangan kreatif. Dulu masa belajar pun selalu mekapkan orang2 yang ada event. Dapat gak cover duit makan 2-3 hari.. Tapi tangan tu tak lari dari buat kerja yang melibatkan duit. Macam sekarang pun libatkan duit cuma bukan bisnes kita lah. Bisnes company :D

My New Position In The Company

Yes... My job description has changed. I am now a Personal Financial Consultant instead of Personal Financial Advisor. My duties are heavier yet interesting and fun! I am now not even advising and encouraging people to invest and diversify their fund/income, also giving solution on loans; housing loan, business premises loans, personal loans.

Of course the most challenging phase is to learn and practice so that I can memorize. My kpi and target also has been changed. I havent gone through everything yet. But I hope I will be doing fine. And I am wishing my colleagues all the best and I hope we could beat up the company's aspirational target!

p/s: missions for today has been accomplished, so I must sleep and get a proper rest. Afterall I am a wifey :D! Btw cant wait to get cd from my photographer for bertandang/sambut menantu event. Nite babes!

-UNDER CONSTRUCTION-

Bosan kan this dull page of mine? Ermmm lets find the prettiest one...

Bulan Rejab

Suka sekali untuk aku menulis mengenai bulan ini. Tahukah anda, bulan Rejab adalah sempena memperingati peristiwa Isra' Mi'raj yang dilalui Rasulullah SAW? Bulan Rejab semenjak zaman jahiliah lagi telah dimuliakan oleh masyarakat jahiliah dengan mengharamkan peperangan. Lansung diteruskan Rasulullah SAW dengan MENGHARAMKAN PERTUMPAHAN DARAH dalam bulan ini.

Antara peristiwa-peristiwa penting lain yang berlaku pada bulan ini ada Hijrah Pertama dan kelahiran Imam Syafie. Imam Syafie ada antara empat imam mazhab yang besar. Dan kini kita di Malysia mengikuti mazhab Syafie.

Selepas bulan Rejab ini, bulan Syaaban, Ramadhan dan Syawal bakal menyusul. Sudah kukuhkah imanku? Sudah cukupkah amalanku?

Ya Allah berikan aku kekuatan dan petunjukMu, untuk melalui hari-hari anugerah dariMu dengan penuh ketaqwaan dan iman. Kau berikanlah hidayah buat hambaMu ini...