Tuesday, September 27, 2011

Premium Beautiful corset- my own words..

Ok, I must do an entry on this. I thought it will benefit every woman the way it does to me.

Yes, the thing that I am `using’ currently is Premium Beautiful (PB) corset, a product that has been in Malaysia for the past 18 years. I have been using a few brands since my body `menggemuk’ dengan haru-birunya; and my attempt to lose weight have not been successful (and it is my fault for being physically inactive; BUT, this is due to my tight daily schedule. Yet, I am still doing daily house chores to keep my body at least moving + keeping low calorie food).
Basically, PB is a corset, the best corset I would say. Not only that it has Super Brand recognition, it also has been recognized by the American Chiropractic Association for it has been approved in facilitating proper body structure and as support aid for person with slip disc. The material is made from AKWATEK and AQUDYNE, which feels right to your body that it makes you feel as if you have a strong support for your back bone (flexible 360 accoring to your body). Again, I would have to compare PB to other previous corset that I have used, you would not experience wardrobe malfunction because with other materials, your long skirt/kain will have the tendency to `tersangkut’ to the girdle. This is especially if you are wearing cotton baju kurung /long skirt (I am a loyal fan of cotton; and I am currently selling online cotton for baju kurung- promo sikit ;p). Sumpah, you will hate it!

Other than that, PB has also embedded with Far Infrared Rays (FIR). With FIR, the corset is not only facilitating in body weight loss plan, it also boost your body metabolism which enhances the usage of calorie in your body. Thus, if you are physically active person (or not), it gives you the best way for your body to use the calorie that you have eaten throughout the day. And trust me, personally, lately, I rasa I panas sorang-sorang in the office, and I don’t know why. It is definitely not because the PB is thick ke apa (again, PB tak tebal pun), but I guess the effect of FIR is really kicks in. Plus, I feel lots more energetic too, compared to before. Ini yang paling penting, since I am not only working 8-5, but I also need energy for my after-8-5-life (you know house chores, night classes, weekend families, my future business and all).

The most important thing, PB is life time warranty. So, if there is any `penyangkuk’ yang rosak/putus, or any part of the corset `tertetas’ you can simply send it back to the stokis/agent; and they will mend it for you FOC. So convenient, kan? I mean talk about something that can be worn for the rest of your life? Macam a life time investment la,kan? =)=)

Siapa kata corset tak penting? Hello, for the Malays, what do women wear after giving birth? Bukan bengkung ke? Well, PB is functioning like bengkung. Comes in three pieces, long bra, waist nippers (bengkung) and girdle, it basically support women’s important organ, the uterus (read :rahim). If you to encounter any traditional mak bidan, and you told them that you didn’t adhere to bengkung after giving birth, they will make faces and `membebel’ to you like it is their business. PB is just the more practical version of bengkung. I yang belum mengandung ni pun, tukang urut I kat Kelantan bising-bising suruh pakai, apa lagi women yang dah pernah deliver right? And yes, to you all yang plan to deliver also, PB benefits you in many ways.

The best thing about PB that I love the most is the fact that I feel full easily. I can’t force myself to eat so much since PB gives you the best support to your abdominal (read: intestine); thus, I makan nasi 1 serving pun dah tak boleh habis. But as nutritionist, of course I do not encourage a sudden reduction on calorie intake. Thus, by wearing PB, I have learnt to take more fruits such as apples and guava and snacking on high fibre biscuits to avoid unnecessary calorie reduction. Plus, this habit ensure a better regulation of insulin in our body (i.e. avoid diabetes type II).

Seriously, I would encourage every woman to wear PB. Not only because it will help in weight reduction, but it also gives you all benefits that I have mentioned above. Again, this is a life time investment. Thus, you beli sekali, seumur hidup boleh pakai (unless by wearing PB, you have a reduction of BIG kilograms, sampai you kena change size), you can wear it selagi you want to wear it. So, for those who are pregnant, get a set for after birth, yang dah deliver, buy one to keep your body slim and get your real body shape back, for those yang plan to get pregnant, get one to give a good support to your uterus etc,etc,etc. Banyak sgt nak tulis. Just imagine if you try any supplementations, setiap bulan nak kena beli. Then, with the supplement, you feel tak perlu untuk go for good nutrition, sbb you think supplement will do all the `cleaning’ work. Kan tak bagus? And if you choose, slimming centre, you ingat with one time visit, boleh terus kurus? Hem, re-think about it, girlfriends! With PB, it enhances your good eating habit, you feel good and sexy; since PB gives you the `wrap’ onto your body, and it feels awesome! =)=) No wonder it has been a product of 18 years in Malaysia!

That is my secret that I have been posting for the rest of the week in my FB. So, I have revealed this little secret so that every one of you will have a potion of the benefits. If you are interested to learn more and experience PB, just contact me and I will be more than glad to help =)=)


Saturday, September 24, 2011

Auction property procedure and risk

Ok, let me share my real experience on my first ever property auction. It all started when a  collegue of mine told us that he already own 3 auction poperties which for me is amazing. I mean, we were at the same age, and yet I have not own any property. So, I started going through some related blogs, asked around and talked to these experience people.

Basically, what I did was look for through lelongtips.com. I set my target (which was to go for prop cost less than RM 50k) and plan which area that I am interested in. Of course, this shall take time for you to analyze and think what is the advantage of the area; i.e. near with LRT, near to highway, near to education instituitional etc.  Then, I go to property.com (you can go other property website too) to determine the market value of the property. The bigger the difference between the asking price and the markte value, of course la, better, kan? Because, on the event day, you will learn that this difference will become reduce since others will bid to their targets pulak, which mungkin lebih tinggi than you expected.

Ok, now you have spotted the prospect property.  Next, is to call the auctions bank or appointed company/agent to get the Proclamation of sale (POS). From this POS, you would know what is the status of the property, least ke free hold, auction venue, time and date, bank auction, ada caveat ke,apa ke. Sbb kalau ada caveat, susah skit bcoz caveat means there is/are other party (s) yg menuntut hak ke atas property tu. Dont ask me the details of this thing, sbb I have just learn abt it too,hehehehe! Nnt if I ada more knowledge on this, I'll do entry related to this.

Next, is to go to pejabat tanah and majlis perbandaran to check outstanding fees for the property(Strata property takde cukai tanah,ok? So, just check cukai pintu @ majlis perbandaran). I was lucky though with the Puncak Alam's property since there was a reminder letter of the outstanding fees at the letter box, on the prop's cukai pintu. On the maintainance fee, you have to check from the maintainance office.

Actually, you can skip all this hassle by hiring agents. For this part, you have to get a very trustable agent. But again, it is yr choice to do so, sbb at the end of the procedure, you have to pay this agent. So, you must ask the agent's rate (the Puncak Alam agent charge us @ RM1.5K-to help us to do the bidding/ RM 2K-facilitate in the arrangement with lawyer+bank).; that is if you win the the bidding.

Owh, do not forget to go and have a thorough inspection at the property. FYI, ada byk situation when it comes to inspection of auction property.

1) The house is empty, no tenant, abandoned- Macam ni, kira ok la.Sbb you have to understand, with auction property, no one has the key to the house. So, kalau pintu tak kunci, you can go in. Tlgla bawa companion, it is dangerous utk inspect alone, esp if you are a woman. For all you know, ada drug user in the house ke, bad people ke, apa ke. So, kena hati-hati. Kalau kunci, you can only inspect dari luarla..You can only enter the house once you menang bid, sign the contract, bawa mr locksmith utk unlock the door, yourself.

2) The house ada tenant, and the tenant is the owner- Hem, mcm ni,susahla kan?How are you to halau the owner from his house (on law, it is no longer theirs) if you were to win the bidding? So, you might want to reconsider on investing for this property. Unless, you rasa you can nego with the owner to sewa from you later, or blh minta baik-baik for him to leave.

3) The house ada tenant, and the tenant is renting the property- I guess this is,lucky you! You win the bidding, dah ada org nak sewa property you ;p Tp, nnt you kena la nego dgn dia, the rental pay, contract ke,what not..

Now, you dah inspect and analyze the pros and cons. Decide to join, pergi bank, buat bank draf 10% of the price that you target. I.e asking price @ RM 49K, you nak bid smp RM 55K je, sbb market price is around RM 75-80K. So, your bank draf RM 5500 under the auctioner bank. Let say, at time of bidding, you feel like to go more than your bank draf, you must pay the difference (if you win) on that respective day jg.

Basically you will have 90-120 days to settle the contract (auction prop tak guna SnP) + loan with bank. Please check with yr POS.

So, roughly, that's abt it la. Takla susah sgt pun,kan? =)

Ok, capital plak. So, from my calculation, you have to prepare capital for this:

1) Outstanding maintenance fee (for strata prop)- if the prop is going thru a first time auction, usually bank will bear this fees.
2) Cukai pintu (both landed and strata prop)
3)Cukai tanah (landed prop)
4)Fees utk sambungan semula air, elektrik dan tunggakan (biasanya dua-dua ni reach 500, TNB potong dah)
5) 10% bank draf
6) Agents' fee (if aplicable)
7) Lawyers' fee (for contract and bank loan agreement) which runs abt 5-10% of the prop price

Sounds handful sgt,kn? That is why you must really plan your auctions plan. Because for all you know, these properties are good investment, especially if you really get price so much lower than the market value. And that is the reason why I bid for prop less than 50K =)

Ok, now to the risk.

You must learn that every investment owns its own risk. Org jual mknn, mungkin basi, org jual baju mungkin tak laku etc etc.

1) Risk during bidding: If you mmg dah sgt syok with a property, sometimes we tend to bid more than we expect, or plan on the first place. You must know that ada certain auctions, ada golongan yg dipanggil ULAT. I am not really sure abt this since I have never encounter one, but from my readings, these ULATS akan kacau bidding you, so that you will increase your bidding blindly. You angkat, dia angkat, you angkat lg, dia balas lg. Sbb tu you must be firm dgn your own target. Others plak, ada ulat yg tlg u by making sure takde org lain akan bid for the unit. So, you pay them for that. I dont whether legal ke tak, tp rmi je yg buat

2) You have closed the deal: You pun pegi prop tu, sbb you have already the contract saying the prop is yours. Bawa mr locksmith, buka pintu. Kalau kosong, takde apa-apa, just some minor kerosakan, takpela. But if, masuk2, ada benda/org/keadaan yg tidak dijangka, you have to bear the consequences. Nama you dah ada under the prop, apa2 pun bank akan cari you. So, it's a lost la kalau prop tu ada masalah utk dijual/disewa, what's more you are not planning to stay kat prop tu pun..

3) I have read from some other bloggers the prob with current ppl yg join auction is that they dont have proper preparationa and ilmu before going. At the end of the day, deal is closed at market price sbb semua mcm naik `sheikh' bidding, tak tau bila nak quit. One thing is that kalau u dpt blk market price, mmg rugi. lagi rugi drpd beli property biasa. Sbb jgn lupa you kena tanggung duit outstanding yg byk for an auction prop. So, jgnla segan nak bertanya dgn org yg experience, then baca la blog2 individual yg mmg kaki auction, mmg byk blog related to auction prop.

4) Loan tak approve- Hem, mcmana ni? If you cant really settle this, rumah mmg akan terlelong blk,ok? Or else, if you request utk extend, you kena byrsome amount of interest. You have to remember, mesti follow up dgn lawyer, sbb lawyer bkn handle hal kita je, punya bank file kt lawyer firm tu kdg2, diaorg terlupa (trust me, I worked there for 3 monthsm ;p)

4) Tak berjaya sewa/jual: Ala, ni biasala..you cannot expect return investment in one day time. Teruskan buat marketing! Hahaha!

Anyway, i think that's abt it la. Ini info org biasa2 je, bkn pakar,heheeh! tp blhla nk buat panduan permulaan ;p

Kalau ada readers lain nak tmbh / betulkan pun takde masalah =) I am more than honor..


p/s- Summerville @ Ukay Perdana selling @ RM 400-500 K 2 1/2 terrace house..Cekidaout!!

Thursday, September 22, 2011

Auction props + Looking goooodddd =)

Fuh! It's all dusty in here, yup! teruk betul owner, once a month baru ada post, then summarize everything in one entry, dahla all wordy,hahahh! Sorry la, darls, my life is like running water after rain (apa punye perumpamaan ni??). If only everything can be done at one time. I always wonder, how other vloggers and bloggers had time to put up a fine pace entry (while I throw everything unaccordingly at once)... Owh, still, selamat hari raya!! still have few days to the end,kan? That reminds me I have yet 3 hari for Puasa Enam, so, chaiyok!

Ok, enough of introduction,let's jump into the sea , I mean content. So, yes, base on the title of the entry, I have participate in my first ever bidding for auction property. Yes, finally! I wasnt sure abt this sort of property (since I have always eyeing for under construction prop), but through reading and discussion with some collegues whom are so used with auction prop, hubby and I decided to give it a try.

Our aim was to go for prop under RM 50k. Ada ka rumah murah lagu tu??!! Of course la, there are. That is why ppl go for auction prop, basically this is where you can get a prop of 20-30% cheaper than the market price. My intention was just to have our first property for investment, and to learn and understand the whole purchasing procedure, so start small (lagipun my capital bknla byk sgt ;p).

So, off we to Puncak Alam, tempat jin bertendang. Nah, the area takla teruk sgt. Mind you, the McDonald is already there, it is basically 30-40 min from NKVE-Shah Alam exit. LATAR highway has basically operated. Puncak Alam has been abandoned for the past 10 years, if I am not misttaken. But now that UiTM Puncak Alam has partially operated and Shah Alam 2 is on its way of construction, so Puncak Alam has become the next place to be invested in.

We did all the investigation, inspect the unit, check the unpaid maintenance fee and cukai pintu, prepared the bank draft. Bersemangatla kononnya,hahahah! On the day, 4 bidders were there, and deal closed at RM 58K. Market price is around RM 70-80K. So, we pull off. Nvm, there are plenty of auction property, so, do not bid blindly.

As the conclusion, it was a fun experience, period. Since we were `entertained' by an agent whom was staying in Puncak Alam and had two units @ the same apartment, so it was very easy.I am eyeing for Damansara Permai, I heard it is a good place to invest. Let's investigate the area!

Okla, enough on property. Jom cerita abt sumthin else. I know many ppl look at me as a very thin,petite person. I am very small in size (plz dont read between the lines), yet I always face wardrobe malfuction. WTH?? It is when you feel your daily attire dont fit you the way you want it to fit (or at least, that's what I think). It is all started when I have gained weight , yess ppl, I gained nearly 8 kg for the pass 4 years. Since I have a small frame, the fat distribution was very uneven and `cocentrated'. I started looking at myself as a `fat' person, because I dont feel comfortable in my own attire, even in baju kurung.

So, what do you guys do in times like this? Diet? Go for motivatonal pep talk on dont worry abt how do you look, but what's important is who you are?Enrol for gym classes?I believe that everyone had their own way managing weight, and I would like to hear from you. Laugh all you want, but slimming and dietiting are a worth of millions, industry. Slimming products are all in the market, some works, some are absurd. Yet, every woman wants to look beautiful.

I have choosen a way too. Well, let's just say that I have just started using and doing it. Not only that I want a product that helps me managing weights, but also to give a good support and posture (I dont want to become all hunch later in life). The most important thing, I fit into my baju kurung moden,yay!! (baju kurung moden has been in the least-attire-to-wear list, recently), hence I become more confident about myself =)

So, share me your choice. For all you know, we might be doing the same thing! =)