First trip for the year 2017

 

Earlier this year, I suggested to my Husband that it is time for us to perform our Umrah since we have been going around the world (well sort of..) together after getting married except for one which was Umrah. He agreed and we immediately scout for travel agents. We’ve been to Andalusia and Rayhar. Andalusia was full for Feb and there were only a few seats left for end of Feb with Rayhar so we decided to go for Rayhar instead. Never been with Rayhar before and neither did my parents. So, its the first for everyone of us.

The date we chose was 20 Feb 2017 – 03 Mar 2017. This package flies to Mekkah via Jeddah first then only we fly back to KL from Medinah.

Paid all the necessary and went to one briefing at KLCC mosque and another final briefing on the actual flight details and itinerary 2 weeks before the flight. We got to know that there were slight changes to our program since Jeddah airport is under construction to cater for A380 flights, we are unable to land in Jeddah but to land in Medinah Airport instead. Owh well… we just follow the plan.

All we need to do know is wait till 20 February 2017…….

HAPPY NEW YEAR! 2.0.1.6

New Year

Happy New Year!! May this year brings joy, luck and prosperity in all of us!

Me and Mr. Hubster didn’t manage to wait for the countdown for 2016. Well, almost! I remember I was still up at 11.30pm.. but I can confirm that by midnight, I had doze off to sleep and missed all the big-bang fireworks! Boohoo! I

I think it is ‘that’ age where you just can’t be bothered to wait till midnight and that sleeping more hours is crucial and important =p

Let’s plan for some travelling………….. Heeeeeeeeeeeee…… =)

Destressing on a Sunday

Things have not been a smooth lately. In fact many things happened as a start of 2015. Dad was hospitalised on the second week of January. He had a mild heart attack which resulted him to undergo angioplasty. He is now with 3 stents in his arteries. 

My maid which we employed in August 2014 decided to ran away. She did it like a pro! Ran away on a Sunday evening by just casually walking out past the guardhouse. What goes around comes around. I hope she gets punished one day. 

So yeah, with what has happened, things are not so good. Not sure with the rest of the family but I felt it. To keep my mind out of this mess, I try to occupy myself by doing spring cleaning. I just spent like 4 hours cleaning up my room and I felt good about it. But once I was done cleaning, my mind felt gloomy again. Sigh! 

I decided to take the car keys and drove to the shopping mall to get my naila done. It has been awhile since I pamper myself. So thats what I did…



Im praying hard that things will get better soon.. For all of us 

MyTeksi App – used for the first time

I’ve downloaded MyTeksi application on my phone for quite some time ago. Only just recently I began to use the app for the first time and am quite impressed.

I have a 2 hours lunch break on Fridays to give way for the Muslim men to perform their Friday Prayers. Usually at this time, I would start to think where to go during my Friday lunch time. So I decided to go to Gardens MidValley for my facial at Beaute Library. Driving there from KL Sentral is not a good option as you will be wasting time at the basement carpark to find a spot for your car. So I opted to go there via taxi. Its pretty easy to get a cab from KL Sentral. My only problem is to go back from MidValley to KL Sentral.

Normally the que to get a taxi at MidValley is looooonnnggg during lunch hours. The fact that I’m doing my facial, my 2 hours lunch time only ngam ngam for me to get back to my office on-time. So once I was done with my facial, I immediately logged into MyTeksi App to get a cab back to office. Within minutes, the app informed me that there is a cab for me with the Taxi’s number plate, driver’s name and an estimate cost of my journey. Not long after that, the taxi driver called my mobile telling me that he is nearby. Good service ey!

Which made me think. This is good for tourists in Malaysia. At least when you use this app, it tells you the estimated cost for your journey. Normally, I read in the news that tourist get conned by taxi drivers by quoting extremely ridiculous high price (and some refuse to use the meter) whenever they hail a taxi by the roadside.

If you use this app and lets say the taxi driver still con you (touch wood that you dont), you can easily report the matter to the authorities as you already have the taxi’s number plate, driver’s name and driver’s mobile number.

Today marks the last day of 2014 – Summary

Summary of what happened in 2014 for Malaysia

Missing MH370 (Malaysia Airlines)

Come back MH370
Flight that were flying from Kuala Lumpur to Beijing on 8th March 2014 went missing and up till this date, no news on the whereabouts of this missing aircraft.

Flight 370 last made voice contact with air traffic control at 01:19 7th March 2014 when it was over the South China Sea, less than an hour after takeoff, and the aircraft disappeared from air traffic controllers’ radar screens at 01:21. Malaysian military radar continued to track Flight 370 as it deviated from its planned flight path and crossed the Malay Peninsula; Flight 370 left the range of Malaysian military radar at 02:15 while over the Andaman Sea, 200 nautical miles northwest of Penang, Malaysia. Neither the crew nor the aircraft’s communication systems relayed a distress signal, indications of bad weather, or technical problems before the aircraft vanished. The aircraft, a Boeing 777-200ER, was carrying 12 Malaysian crew members and 227 passengers from 15 nations.
*Information taken from Wikipedia.

Lost of MH17 (Malaysia Airlines)

rip-mh17

Not long after the MH370 incident, we received another devastating news that MH17 that was flying from Amsterdam to Kuala Lumpur was shot down over Ukraine (territory controlled by pro-Russian separatists) on 17 July 2014, killing all 298 people aboard.

Worst floods in the east coast

Banjir

Roughly since 15th December 2014, the east coast of Peninsular Malaysia mainly Kelantan, Terengganu and parts of Pahang experienced heavy rainfall which resulted to flooding in most of the areas including my dad’s hometown which is in Kota Bahru, Kelantan. The situation got worse when water rose up further and spilled over into residential homes. The water rose up so fast that some residents didn’t have the time to pack or move their cars. TNB decided to cut the electricity power for safety reasons and to avoid any accidents such as people being electrocuted.

Malaysians were advised to give a helping hand to those affected by buying food and other necessities or make donations to help ease the burden.

My sister’s husband’s cousin is helping out in Kelantan by purchasing items such as food, clothing, and other necessities and channelling the items to those in need via 4×4 pick up truck and sampan. They are currently in need of cash to purchase food for those affected. Do let me know if anyone can help. Many thanks!

Lost of Airasia QZ8510

IMG_5788

Another devistating news when AirAsia flight QZ8501 that was supposed to fly to Singapore from Surabaya, Indonesia went missing on 28th December 2014 with 155 passengers and 7 crew on board. Wreckage of the plane was found two days later in the Karimata Strait. As of now, there are teams that are currently on site to search for the bodies and in hopeful, if there are any survivors.

Lets hope for a better year ahead for 2015, insyaAllah

First timer property buyer like me – What to expect

Following from my previous write up on the property that we went to see and having to place a booking fee to temporary secure the unit that we wanted, we have been exposed to new things in dealing with the purchase of a property which I hope that it may benefit some of the new buyers or going-to-be new buyers of a property as I was quite stressed up that I didn’t get the answers from my googling research.

Booking a unit
When you fancy a house and that you have decided that you want to take up that particular unit, take note on the offers that developer is offering. It may be, pre-launch discount, developer rebates and bumi discounts. This acts as some savings to you as these amount reduces the cost of the property that you have to pay.

Also take note on other free items that the developer is giving out for example:
a. Free maintenance fee for xx year from the date of Certificate of Completion
b. Free legal fee and disbursement of the Sale & Purchase Agreement (I will come to this later about lawyers)

The developer will require you to place a booking fee or some people call it as earnest money. It is more like a deposit to temporary secure your booking until you get your loan from the bank. Best to pay this amount with a cheque. They do accept credit cards but please be mindful that there will be a 2% charge by the bank if in the event that you want to cancel your booking due to loan application not approved.

Useful tips: Be nice and make friends with the sales person. We were fortunate to get a very helpful sales person and she guided us all the way from the start up until the signing of S&P Agreement. 

Apply for housing loan
Something that I learn from this is that you need to ask the developer who is the panel banks for their developer. This is because, if you have a preferred bank and the bank is not a panel bank to the developer, the bank cannot or does not want to disburse the loan amount to the developer. So do take note on their panel banks.

Apply for your housing loan and apply to multiple banks (from the panel bank’s list) Why? So that you can make comparison and see which bank offers you the best rate. Banks wants you as their customer and hence it is for us as a customer to decide which one that you favour the most.

Useful note: Once a bank offers their rate to you via their Offer Letter, you have 14 days to respond. But bear in mind, you can request from the bank to extend the expiry date of the offer should you wish more time to decide.

Getting a lawyer
This is something I know the least and I was not very comfortable of. I didn’t get enough information as per what I needed but along the way dad helped me by asking his lawyer friend and we some what know what we have to do.

You will be required to get a lawyer prior to signing the Sales and Purchase (S&P) Agreement. And the appointment of lawyers are as follows:

a. Loan Agreement (This is between you as a buyer and the bank)
b. Sales and Purchase Agreement (This is between you as a buyer and the developer)
c. Memorandum of Transfer (This is between you as a buyer and the developer upon completion of the property)
d. Memorandum of Charge (This is between you as a buyer and the bank)
(Item c and d will come in the later stage of the whole process, mostly after the completion of the property)

These lawyer fees come with a charge and it is not cheap! So, apart from planning your monthly commitment to the property that you will be purchasing, you must also have some savings to pay up these lawyer fees along the way.

As what I mentioned during the booking of a unit to take note what items that are borne by the developer hence it is free to us – mostly it would be on the Loan Agreement (for some developers, this must be borne by the buyer) and S&P legal fees.

For me, I had to pay the Loan Agreement fees and again similar with panel banks, developer would have their panel lawyers. Check with the developer if we have the option to not use their panel lawyers which mostly would say no. But anyway, their panel lawyers would give you a quotation on the lawyer fees. What we did was we managed to get another quotation from my lawyer dad friend and the difference is HUGE!

Our S&P fees are borne by the developer. Should we choose to select our own lawyer, then we will need to pay for the S&P Legal fees.

Useful tips: You must negotiate with the panel lawyers to reduce their fees. After all they would want to have you as their customer. Fight for the right price and so, you should get quotation from other lawyers for comparison. We managed to negotiate to come to OUR price and agreed to take the developer’s lawyer. 
If you don’t negotiate and accept what the lawyer is quoting, you have paid them heaps of extra money, of which you could use that difference for something else.

Useful tips2: Get the lawyer to follow your timing schedule and not theirs. They tend to dictate to you when and where you should meet them up for signing which I find this quite annoying. Why? We are the ones paying the fees to them including their travelling cost. So make them drive to you and not you drive to their place! After all, we are the customer.

Signing the Agreement
Once you have agreed the time and place to do the signing of all the agreements. The lawyer will come prepared with tonnes of documents for your to sign and initials. Make the lawyer explain to you every agreement that you are signing so that you understood what the contents are. Please do not blindly sign the agreement without reading it. It will take hours as there are a lot of things to read.

Check on what you initially signed up for and what was written on the agreement especially:
a. Specification of your unit,
b. Warranty period for defects after completion,
c. Clause to say that you will only accept the unit if it is as per the square feet that you have agreed to buy. Or, some clause would say that the developer will pay compensation if the size runs about 2% from the actual square feet.
d. and other things that you have concerns on.

All done, all you need to do now is just wait until the lawyer provides you with the stamped copy of all the agreement.

For us, we after we signed the S&P Agreement, the sales person was there ready to hand in our welcome gift. It consists of 1 polo shirt, 1 t-shirt and a surprised gift! They said that this surprise gift is limited and we were fortunate to get it! I’m happy!! Alhamdulillah!

Wangsa9_w

Welcome gift which comprises of 1 ladies polo shirt and 1 unisex t-shirt plus the surprise gift!

Mont_Blanc_w

This is the surprise gift! Lovin’ it!