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Wednesday, December 26, 2012

Kenapa saya ingin tersenarai di dalam bloglist Abang Ensem’s Blog

Saya silent follower AE. Tapi bila….

AE kata kalau beli rumah, boleh juga utk dptkan positive cash flow.  Nanti boleh retire early.  Saya nak, so saya buat.

AE kata kalau beli rumah utk positive cash flow kawasan student antara yang elok. So saya buat.

AE kata kalau pergi buat site visit bawak la org muka kelat.  Husband saya calon terbaik. So saya buat.

AE kata kalau apply loan, apply banyak2 bank nanti senang nak pilih and kalau ada loan rejected, tak dela bank lain nampak kot CCRIS.  So saya buat.

AE kata kalau nak zero-down investment, salah satu cara boleh la markup harga kat SnP.  So saya buat.

AE kata derma la, zakat la so semuanya berkat.  Saya setuju! Dan memang saya buat (In Shaa Allah).

Husband kata kalau tips tu elok, apa salahnya ikut.  Blessing from my husband is a must, so saya buat.

So bila dah jadi follower tegar ni agak2 kenapa saya tak boleh masuk dalam bloglist AE kalau bukan AE yang kata?

Thank you AE!!!

Friday, December 21, 2012

ASB Income Distribution 2012 - Pays better returns!

Enjoy you guys!

Thursday, December 20, 2012

Blessings in disguise (dedicated to Mok and Ayoh).

I am blessed to have them in my life.  Banyak situations where I don’t know what to do, I’ll just call them up and problems solved!  In fact all of my ‘critical’ turning points in life are somehow achieved with their blessings as the very first step.  Once that received the rest just flow like water.

The first ‘critical’ moment that I had was when I was leaving Malaysia to further my studies.  Mok’s blessing made me the strongest girl at the airport.  No tears and no sad face either (you know how most students cried their hearts out when going abroad).  Ayoh was the coolest dad ever and a pat in the back with ‘Jangan lupa solat’ was all he did when I was leaving Malaysia. 

And as I said, the rest went smoothly and thank Allah I graduated and I don't need to pay back the scholarship.  Alhamdulillah.

The second was when I want to quit the first job that I had.  Mak said don’t and siap call my friend to talk me out.  But my cool dad said, “Kalau dia nak berenti ikut suka dia la…. Boleh mintak kerja lain”. J

Their blessings made my job hunting a breeze until today. Alhamdulillah.

I turned to them again when I decided to buy an apartment.  I was devastated when the unit that I love and wanted to show them got sold the day before the appointment date.  I almost cried.  But Mok said “Biarlah… kita kena fikir, rumah tu bukan untuk kita.  Akan ada rumah lagi bagus untuk kita.  Semua tu perancangan Tuhan”.  True enough, I got better unit at the same place but with the best view (the pool and now a mosque too).  We spotted it while showing the place to Mok and Ayoh the unit that I ‘missed’ on the supposedly the appointment day.  The rest flow like water; the agent was available on the day, we viewed the unit and agreed on the price all in one day.  I got 2 airconds, a fridge, an automatic washing machine and dinner table in the deal!.

Ayoh lead our sembahyang hajat the day I moved in.  Alhamdulillah.

Mok and Ayoh’s blessing in my marriage is the priceless blessing of them all so far.  I know it was not easy for any parents to accept the fact that their daughter is in love with a mature man with 4 children.  I did not want them to worry how I felt if they would’ve disapprove our relations.  So I threw them a statement “Kalau Mok ngan Ayoh tak suka tak apa.  Elly ok je.  Tak de masalah *gelak2 sikit*…  Elly serah kat Mok Ayoh.  Kalau Mok Ayoh ok, Elly ok, kalau tak ok pun Elly ok je *dalam hati dup dap dup dap* ”.  What Mok said after that shocked me “Lega Mok dengar…Anak-anak Mok semua baik-baik dan dengar kata”. 

13th December 2012 was our 4th anniversary J  Alhamdulillah.

I definitely need their blessings for my future plan too; the early retirement plan.  Ayoh was against it at first.  Like what Robert Kiyosaki mentioned as “Rich Dad, Poor Dad”, my Ayoh is somehow believe in work hard to earn more.  To him rugi kalau retire at the age of 45.  I kept my silence when he said that.  After a while I said I want to spend more time with my husband, go for Hajj and travel with him.  Ayoh opens up a bit.  The truth is I want to spend time with my parents too.

He however encouraged me to buy a flat at Seri Kembangan.  Murah katanya.  My Ayoh; he does not know much about investing in Seri Kembangan but believe that there is potential there.  How on earth he knows that is just beyond me.  Initially I was concentrating more in Ampang area for my investment plans but God has better plans for me and 'shoved' me the opportunity to buy a flat in, you guess what, Seri Kembangan.  I think it is bizarre but I know that this is a blessing in disguise yet again.  Will I turn this opportunity down without trying? Heck No!  I got the first step done i.e. the blessing.  So I know the rest will flow like water. In Shaa Allah.

There are countless other events in my 36 years of life and to list them is just impossible.

May Allah grant both of my parents good health, good fortune and good life here and thereafter in Jannah.  Amin…

Note to self:  I still need Mok and Ayoh blessings; not only for today, or tomorrow, but the rest of my life.

Wednesday, December 19, 2012

Little things that made me smile :)

Kalau la jumpa benda ni kat sekolah kan jimat belanja...
Cuba teka.

Tada! Pencil Extender.  Pensil kontot masih boleh guna :)
(ok I'm old T_T)

Tuesday, December 18, 2012

Talk about excellent service.

Public bank memang pantas!.  Of all 3 banks that I applied, Public bank is the first to call back and update my application status.  The best part is “Hello Elieza, ini Helen dari Public bank.  HQ cakap….”.  Waaa “HQ” ok.  That means my application has been submitted to HQ already!.  Saluteee!.

Then I asked when can the LO be ready?  She said Friday the earliest or Monday the latest.  Fuh fuh pantas!.  Faster than my fingers punching the numbers on the calculator to calculate the installment amount.  (Ok, I don't use calculator, I use the web mortgage calculators ngeee.)

Anyways, there was no mention on the house price.  Can I really get a zero down house purchase?  Wowweee.. Fingers crossed I will.  In Shaa Allah!.

Monday, December 10, 2012

Tak akan rugi...

Sedikit pun memadai... jom sama-sama.

The waiting game...

Draft SnP dah dapat seperti yang dijanjikan.  Alhamdulillah.  I then googled all Bank’s websites and contacted them either via email or online applications.  3 of them.  But until today, 3 days later, none of them called.  I guess walk-in is still preferred by the banks then. *rolling eyes*.

So 3 applications sent by hand to the respective branches.

Next step:  The waiting game.

Note to self : Get an updated branch address and not rely on the info from the not-so-latest GPS or you’ll get an empty building instead of a bank’s branch.*doh!*

Tuesday, December 04, 2012

PRS, tepuk dada tanya selera.

Last week saya ada pergi satu presentation berkenaan Private Retirement Scheme program.  Program ni ialah program secara sukarela untuk pekerja (Malaysian or foreigner) yang mana mereka boleh memilih untuk menyimpan dalam scheme ni sebagai tambahan supaya tidak terlalu bergantung kepada duit EPF bila bersara nanti.

Mengikut statistic yang ditunjukkan, kebanyakkan dari pekerja akan menghabiskan duit EPF dengan jayanya dalam masa 10 tahun saja.  Kalau umur masih panjang dan masih ada anak-anak yang bergantung dengan kita, mana nak cari duit lagi?  Kederat dah tak ada, kesihatan belum tentu tip top.  Maka sebab itu lah ada nya PRS ni.

Nak bukak PRS account ni cuma RM100 dan subsequent investment pun boleh serendah RM100.  The key success factor untuk PRS ni ialah the performance of the fund invested (you may choose which fund you want from the provider) and the power of compounding (lagi lama simpan lagi bagus).

Bagi saya ianya sedikit sebanyak macam combination of EPF and unit trust investment with a twist; a good twist.  Ini pendapat saya saja.  Kalau nak tahu lebih lanjut pasal PRS ni, boleh je google sebab dah banyak websites yang cerita pasal PRS ni.  Then you will see what I mean.

Note to self: PRS, KIV.

'Duit bertunang' a.k.a booking fee

'Duit bertunang' dah bertukar tangan.  Owner rumah pun dah confirm terima duit tu dan dah agree yang duit tu juga merangkap downpayment.  So next step ialah cari lawyer.

Saya bernasib baik sebab kawan satu office ada simpan contact number untuk satu law firm yang dekat dengan office jugak.  So saya terus contact office lawyer tu dan set appointment.  Lunch time, saya singgah untuk bagi documents dan mintak dia siapkan draft SnP dulu so saya boleh apply loan terus.

Tu cerita minggu lepas.

Hari ni dah dekat cukup seminggu saya liaise dengan kerani law firm tu.  Draft SnP tak dapat-dapat jugak.  Ada sikit-sikit rasa berapi tapi terpaksa sabar.  Nanti kalau dia tak suka kita takut di lambat-lambatkan pulak SnP tu.  So hari ni saya call lagi (setelah beberapa hari dari Jumaat yang dijanjikan).  Katanya pukul 3 nanti dia akan email draft tu.  Harap-harap betul lah kali ni.  Kalau boleh saya nak cepat-cepat apply loan tu sebab part loan ni lah yang paling critical and the one step that will decide to go or not to go with the investment.
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