Saturday, October 8, 2011

Singapore Again!

After 1 year, went to Singapore again.
This time, Marina Bay & Sand Skypark is a must.. Missed it last year.. this year luckily stil manage to get there

It takes us a long time to walk from esplanade to reach there..dont know how many km we've walked to reach the skypark.

That night was also the launching of LV's floating boutique store at Marina Bay Sand.

The ticket cost us $20 to view singapore's night scene. However, too bad it's already 8pm+, the garden part was closed, only part of the viewing deck is opened. The view from the skypark is awesome..

Sunday, June 19, 2011

platinum victory PV13

Platinum Victory Phase 3 / PV13
Jln Genting Klang

Photos taken on 18 June 2011

Both blocks are painted. Looks like going to be ready very soon. Looks nice

Friday, June 3, 2011

moving .. i'm gonna miss setapak

This is going to be the last few days i stay in 'starbuck'. Gonna leave the place that i stayed in for ~6yrs. feeling heavy-hearted to leave this place. A place of convenience, a place full of memories with my friends here.

I used to say i'll never moved away from setapak. love this place a lot. you can never find another place like setapak where it is very convenient for public transport or shops. You just need to step out of the house to the bus stop and there'll be buses there to bring you to monorail or lrt station. You can just hop in any buses that come along. There are rapid KL, metro bus & bus Len Seng and you dont have to wait for 1/2 -1 hour for a bus like in some other areas. You can get to sg wang, timesquare, pavillion, low yat, KL sentral, KLCC and even midvalley easily.

As for the shops here, you can get any shops you want, you name it, we have it all here. We have cafe/fast food outlets (KFC,pizza, kenny rogers), 7-11, grocery shops, stationery shops, watson/individual pharmacies, clinic, dental, chinese physician, barber, gold/jewellery shop, even pawn shop, bakery, banks such as BSN, public bank, RHB, maybank, hongleong, ambank; watches shop, key selling/duplication, phone shops, celcom, tuition centre, photo shops, electrical appliances / furniture shop......

I'm already missing this place & starting to wonder do i really have to move? Is subang really that far away to travel everyday? imagining the traffic jam...sigh..

it's time to let go huh...sometimes we just have to let go of something and move on..though it's saddening..

thinking of S club 7's song:
sometimes goodbye though it hurts in your heart is the only way for destiny
sometimes goodbye though it hurts is the only way now for you and me..
though it's the hardest thing to do,
i'll miss setapak
in every way...

Thursday, May 12, 2011

President Obama strike back on Donald Trump

Donald Trump: why doesnt he show his birth certificate?

So here he is, President Obama showing his birth video..the lion king haha

Festive City Mall - Setapak

Photos taken in Feb

Photo taken in April:

Wednesday, May 11, 2011

Anderson Cooper punk’d on his own CNN broadcast

what a cute joke..
we can have this kinda interesting jokes in our tv broadcast too.. something new..something unexpected..something fun.. bringing laughter to the audience.. to take a break from a hectic life

Monday, January 17, 2011

property glossary

Acceptance Letter
A letter from the applicant indicating his willingness to accept the loan after the loan is approved by the banking institution.

An increase in the value of a property due to changes in market conditions, or for other reasons. The opposite of depreciation.

Balloon (payment) mortgage
Usually a short-term fixed-rate loan which involves small payments for a certain period of time, and one large payment for the remaining amount of the principal at a time specified in the contract.

Base Lending Rate (BLR)
A minimum interest rate calculated by financial institutions based on a formula which takes into account the institutions’ cost of funds and other administrative costs.

A violation of any legal obligation.

Certificate of Statutory Completion (CSC)
The Commissioner of Building Control will issue the Certificate of Statutory Completion to a building project when it is completed. The building can only be occupied when a Certificate of Statutory Completion (CSC) or Temporary Occupatancy Permit(TOP) is granted. The requirements for a CSC is more rigorous than a TOP and is compulsory, unlike a TOP.

Commitment Fee
A fee charged by the financial institution for setting aside funding that are not utilised by
the borrower. Usually only applicable to overdraft facility.

Legal work involved in buying and selling a house.

Failure to pay the monthly instalment/interest payments to financial institutions when due.

Disbursement Fees
Various type of fees such as registration of charge fee, land search fee, bankruptcy search
fee incurred by financial institutions and solicitors attending to the loan documentation
in relation to the loan which are payable by the borrower.

Endowment Mortgage
Type of mortgage where monthly payments are made into a endowment (life assurance) policy. The loan is paid off in one lump sum at the end of the loan period.

Fixed-Rated Mortgage
A mortgage on which the interest rate is set for the term of the loan, regardless of future interest rate fluctuations. This makes payments precisely predictable, but it is not always the cheapest alternative.

Flat Rate
A term used to describe interest that is charged as a fixed percentage of the loan amount
throughout the tenure of the loan. The flat repayment amount is usually determined before the commencement of the repayment programme. For example, interest charged on a RM10,000 loan at a flat rate of 10% per annum is RM1,000 annually until the loan is fully settled.

Floating Rate Loan
A term used to describe a loan, where the interest charged fluctuates due to the rise and fall of a certain indicator such as the Base Lending Rate.

Absolute ownership of property and land.

Graduated Payment
A scheme that allows the borrower the flexibility to pay a lower installment sum at the beginning of the loan tenure before progressing onto a higher installment sum as the borrower’s purchasing power improves.

Gross Monthly Household Income
The sum of gross monthly pay of all working family members before deducting income tax, Sosco, EPF, loan installment or other deductions plus any additional income from overtime, commissions and other sources.

Document in which the owner of a freehold property lets out their premises to a named party at a certain price and for a specified time.

The ownership of a lease.

Loan Tenure
Number of years taken to fully repay the loan principal and interest as agreed under a specific repayment programme.

Margin of Financing
The loan amount granted by the financial institution, expressed as a percentage of the value of property pledged to secure the loan.

The date on which the principal balance of a loan is due and payable

A long term loan to fund the buying of a property.

Mortgage Term
Period over which mortgage is to be repaid.

Mortgage Over Finance (MOF)
A percentage figure indicating the size of the housing loan on a property in relation to its value. Thus, a house worth RM500 000 with a mortgage of RM400 000 would have a MOF of 80%. Most banks and financial institutions have better housing loan deals for MOF 80% and below. The maximum MOF that lenders can legally go to in Malaysia is 90%- 100%.

Mortgage Reducing Term Assurance (MRTA)
A term insurance which reduces over the tenure of the loan. This form of insurance is used to provide cover for the outstanding loan amount, in the event of death or total permanent disability of the insured. MRTA is normally calculated to meet the outstanding loan amount.

Sale and Purchase Agreement
A written contract signed between the buyer and seller stating amongst others, the terms and conditions under which a property will be sold.

Stamp Duty
A government tax.

Term Loan
A loan which is repaid through regular periodic payments, usually over a period of time, for example 10 years.

A legal document establishing the right of ownership on a property.

Wednesday, January 12, 2011

platinum victory - jln genting klang

latest update for platinum victory condo, not sure it's phase 3 or phase 4 &5.. but it looks like gonna be completed soon..

Sunday, January 2, 2011

Hi 2011

Saying hi to 2011..
one minute it's year 2010 and the next minute it's year 2011...
how fast time flies...

feel like i've not done anything in year 2010..

now it's a brand new year..
new year, new hope

hoping for a good health & wealth! hehe
prosperity haha..
hoping for something good for my career...

just wish that this is a great new year..with lots of blessings, joys, laughter, happiness & good health

happy new year!