Loans

Recently I was looking...hmmph... more suitably should be helping to look for a house; a house with reasonable and affordable price.

Then I found a "wonderful" house at Sg. Ara, 5 bedrooms + 4 bathrooms + carpouch + garden = RM160k. OMG, that's kind of cheap...though I do not have much savings. But the loan calculator shows that I may need to pay RM9++ for 25yrs for the unit. Till then, I know that it's really ain't easy to get our own house. The amount is "sweet", but the loan is "bitter". However, for a beautiful, comfortable and attractive house, the pay is even thousand times more than expected.

When I was little girl, I always think that a hundred is very hard to earn, because our pocket money was so little, compared to kids nowadays. Meanwhile, when I studied in uni, a hundred is getting easier to get, because PTPTN fed me, they gave a full amount of loan at once during the beginning of semesters. However, when I stepped in working life, a hundred is again, hard to earn... because the thing I spend and/or waste on is easily reach/over hundred.

Today, thanks to P, he taught me a lot of the loans thing. He reminded me of those little calculations about paying loans, even so, I don't fully agree with him. But thanks though.

I finally realise loan is a way that bank uses to diminish my money. But it's acceptable for me, because I use every single cents of my own to get what I need, for example my lovely car, I have no regrets, because no one sponsor me any cents at all, so what to do, I can only seek for bank's help. The lowest loans that I need to pay per month, of cause I need to pay the longer terms of loan. It is the rule, isn't it? If I can afford to pay a short term loans, would I need to loan from banks? As long as it's not loan sharks, I think it would be fine. And of cause, I made the decision to loan longest term is because, I do not want to let any emergency that happens will affect my normal life. So, if considering inflation, it's save I supposed. Everyone has his/her own perspectives, I can't comment much.

Furthermore, I believe that I should not wait until I successfully saved and finally accumulated the amount of money for my dream house then only I can buy the house, just because I do not want to pay extra to bank for the loans. This is because, the price hike of properties is raising rapidly. I think buy-and-resell can earn better as well, not necessary must wait for so long.

For P's advice, we are advisable to look an affordable house which price is 60times lower of that of our pay. Else, we will live like an operator if our salary is not increasing rapidly.

Hmmph...

Bersih 2.0

090711 is a very memorable day in Malaysia history, as far as I know after 13May 1969 race riot. But people say the latest big news in Malaysia history would be 30Aug. '08, the most exciting by-election that oppositions have won with majority of "important" states.

Bersih 2.0 has stepped out a very big step for the people of Malaysia to fight for clean and fair election. 9 July 2011, has shown a very significant value of 1Malaysia. There were more the 50,000 people participated in the rally, both in Malaysia and overseas.

I thought Bersih 2.0 is newly organised by chinese protestors. But it has some history since 2005. It was not just chinese join the club, but all who wants a better Malaysia.

Before 9 July, there was a rally on Penang bridge on 1 July that causing traffic jam. After the incident, road blocks are setting up everywhere and people being caught anywhere for wearing yellows. The worst of all is that, rumour says that the cops only want to catch chinese because chinese are "yellow". Meanwhile, some are so humorous saying that the cops want to catch those who are "yellow", which means pornographic.

Thank you very much to all who participated in the rally, and risked yourselves out there. But honestly, be smart... Take care and God Bless.

Fitness Day

Today, Dell is having Fitness Day. Out of curiosity, I went to scan my body weight and measure other stuff again... Yup, again, because I scanned at Times Square few weeks ago. This one is called Body Fat Analysis.

It's FOC, of cause I will try to pop out. ehehe... My friend was there, so then I dare to show up and go measure.

Results of measurement :

1) Body Fat = 21.6% [F: < 25%]

2) Skeletal Muscle = 29.2% [F: >28%]

3) Visceral Fat = 1 [M/F < 5]

4) Body Age = 18 [Actual - 5yrs]

I am so happy, ain't I? I'm healthy. =D Even younger than the ideal age of body. Hahaha...

1st Saturday of July 2011

So, first Saturday of July 2011, I spent the day by watch Transformer 3 at W Cinemax, Island Plaza, Penang. It was quite a very exciting short trip to the cinema, because I never being there alone, and I'm not familiar with the road, PLUS it was traffic jam hours 1 something in the afternoon, people just back from work. The movie was going to on show at 2.15 p.m.

3D Transformer 3 so exciting, feel so "alive" in front of you... couldn't wait any longer, especially after I watched the 3D trailer. A RM9 3D show, can you resist that? My ex-colleague asked me for the movie when she got the Buy-1-free-1 coupon, but I felt shy so just share with her the 3D RM18 ticket, so just paid RM9 for the movie, and RM1 for the popcorn. I like to eat popcorn actually, but the popcorn for Wcinemax, sorry then, too sweat.

The packing is kinda cute, can't help to take a photo of it. ^^

Oh then, I drew my cartoon version of Optimus. Ugh...

Privilege = previllage???

Guess what I found in Jusco. Obviously this is Malaysian English. =D When I stepped forward and took a picture of it, the people passby just looked at me like a weirdo. What had been wrong with me? Nothing. It's the writing is "funny". Someone must the first to notice this kind of thingy, then only you can get the funny pics of wall and/or video to watch.

No Turning Back

No turning back after I tender my resignation letter this afternoon for this current position at Enterprise Sales Group in Sales Configuration Management. I will no longer a Data Entry girl, whereby my title was nicer to hear, Data Analyst.

I have nothing to miss of at here, except the boss, my senior manager Cheah Chee Teong. Guess I will forgot his name real soon, just like what I do for the previous bosses. Hahaha XD but I will remember their face.

So long~

First Youtube Video Uploaded

Oh yay~ I finally figure out how to upload youtube video on blog.

Sharing this long ago Japanese prank with you all... Enjoy!!! ^^

Cute Little New Notebook

Uh huh! This is what I got for myself last Sunday. So cute and vintage the cover. ^^

~.~.~.~.~.~.~.~.~.~.~.~.~.~.~.~.~.~.~.~.~.~.~.~.~.~.~.~.

I drew some activities we had on the day and the next.

Birch Plaza apartment stay, visiting Surname Bridge at jetties, food hunting: Penang Laksa and of cause some durians, since now is durian season at north region here. Hopefully we can really go for durian buffet once. :)

And the next day is simple, that the day is so cool and I forgot put back my cell phone and purse into my handbag that I bring to workplace. So then, I gotta drive back at noon and cook myself some mee... wheee~ I bag yesterday was full-mee-day because I had mee for lunch and for dinner. Then slept early at 9 something, since the weather is so nice to sleep as you can see the breeze. :)