Thursday, May 28, 2009

Tukar ker Tak Tukar...

nk tukar ker tak ni...
dah rasa lost sesangat...semangat pun dah makin menyusut...
xtau nk pikir apa lagi...
macam2 hal la...
nk tukar pun susah...
naper aku ni...........
harap aku buat pilihan terbaik yang aku tak kan menyesal nanti...

Friday, May 8, 2009

Perkara yang kita kena consider sblm wat refinance umah...

Perkara yang kita Kena consider sblm wat refinance umah...

1. Interest rate semasa...cari la yang rendah dari masa kita membeli dolu....

2. Lock in period...3 atau 5 tahun...cari bank yang nk tolong cover atau leh bg diskaun penalty (jk wat dlm lock in period tu)

3. Lawyer fees... Cari bank yang tawarkan ZEC (Zero Entry Cost)maksudnya bank sedia cover semua cost2 tu...

4. MRTA.... libatkan umo...insurans...tny pada yang pakar..agen insurans la...

5.Tempoh bayaran balik... mmg lagi lama lagi bagus ...tambah2 bg yang sewakan umah tu... let tenant pay 4 us konsep...tapi tgk umo korang gak la...klu umo 30 leh la wat 25-30 tahun pun. Atleast umo 60 dah leh bebas utang...klu umo dah 4 xkan nk wat 30 tahun gak...masuk 70 tahun baru bebas utang...silap2 mati dulu...
ni untungnya org muda....

6. Positive cash flow....klu bezanya menguntungkan teruskan refinance...balance tu leh saving...maknanya..klu sblm refinance bayo 500..pas wat refinance bayo 350...mmg berbaloi la wat...

7. lain2 cost...cost kecik2 ni kena kira gak...ada bank yang sanggup cover cost2 ni asalkan dapat org nk refinance...yang penting servey dolu sblm bertindak...

pk la baik2..mana yang baik ntuk masa depan diri...
servey dolu sblm wat apa2...kaji n study....baru proceed.
Good luck....

Thursday, May 7, 2009

Installing Husband 1.0

Secebis halwa mulut(tersenyum membacanya...)

A desperate woman writes to the Technical support Guy,

Dear Tech Support,

Last year I upgraded from Boyfriend 5.0 to Husband 1.0 and I noticed a
distinct slowdown in the overall system performance, particularly in
the flower and jeweller applications, which operated flawlessly under
Boyfriend 5.0.

In addition, Husband 1.0 uninstalled many other valuable programs, such as
Romance 9.5 and Personal Attention 6.5, and then installed undesirable
programs such as NEWS 5.0, MONEY 3.0 and CRICKET 4.1.

Conversation 8.0 no longer runs, and Housecleaning 2.6 simply crashes
the system.

Please note that I have tried running Nagging 5.3 to fix these
problems, but to no avail.

What can I do?


Desperate Woman

Tech Support Reply,

First, keep in mind, Boyfriend 5.0 is an Entertainment Package, while
Husband 1.0 is an operating system.

Please enter command: ithoughtyoulovedme.html and try to download Tears
6.2 and do not forget to install the Guilt 3.0
If that application works as designed, Husband 1.0 should then
automatically run the applications Jeweller 2.0 & Flowers 3.5.

However, remember, overuse of the above application can cause Husband
1.0 to default to Silence 2.5, Happy Hour 7..0 or Beer 6.1.
Please note that Beer 6. 1 is a very bad program that will download
the Snoring Loudly Beta.

Whatever you do, DO NOT install Mother-In-Law 1.0 under any
circumstances (it runs a virus in the background that will eventually
seize control of all your system resources.)

In addition, please do not attempt to reinstall the Boyfriend 5.0
program. These are unsupported applications and will crash Husband

In summary, Husband 1.0 is a great program, but it does have limited
memory and cannot learn new applications quickly.
You might consider buying additional software to improve memory and
We recommend: Cooking 3.0 and Hot Looks 7.7.

Good Luck Madam!

Tech Support update.

Wednesday, May 6, 2009

Lagi info financing.. sedikit info yang mungkin berguna dalam masa kegawatan ekonomi sekarang...

How Refinance Could Save Mortgage Interest Charge - Self Help
Hope it is helpful.

Refinancing your existing home loan can save you a lot of mortgage interest. In certain cases, you can easily save more than a hundred thousand.

The reason to refinance mortgage:
-To save interest cost by “switching” to better home loan package -To reduce monthly payment -To reduce or prolong loan tenure -To cash out the home equity for emergencies or other needs such as children education and business venture.
-Maybe it's just simply to enjoy better flexibility in managing cash flow -To consolidate all other debt into one with the lowest interest charges

How much can you save by refinancing home loan?

Look at the example below.

Home loan details of Mr.X:
-Loan amount is RM 500,000.00
-Start paying monthly installment on 1st January 2006 -Loan tenure of 30 years -Mortgage interest rate with his existing bank: first year 2.5%, 2nd year 6%, 3rd onward year 6.5%.
-Lock in period 3 years

After the lock in period of three years with the existing bank, Mr.X can refinance his mortgage to another Bank, as there is no penalty on early settlement. Let's say CIMB bank is offering an interest rate package as shown below:

•BLR – 2.05% (based on our current rate) for entire loan tenure and the moving fees are absorbed by the bank. (Current BLR is = 5.55%)

To compare apple to apple, I calculate using the remaining tenure of
27 years and only refinance the remaining principle of RM 476,471.33 at end of third year. The new schedule is reflected below:

Before refinancing, he would have to pay RM3120 per month as installment. After refinancing with the CIMB bank, he only pays RM2272 per month, providing him a positive cash flow of RM848 each month.

Compare the total amount of interest paid after 30 years:

Without refinancing

With Refinancing ( from 4 th year)

Total savings = RM274, 522.46

Mr.X can save even more by refinancing after lock-in period (normally 3-5 years). Keep repeating the same strategy of refinancing and he'll be out of mortgage debt much earlier than the initial 30 years tenure.

Just for knowledge sharing…if it’s not true then pls ignore it..


Alhamdulillah...aku dah lulus test kete...
at last...boleh la tambah utang pas ni...hehehhehehehe
pada kengkawan yang bg moral support...
tq beri much...