Tuesday, October 29, 2013
Plan for 2nd property
If my strategy were to follow the infrastructure, I would chose Kajang area as there'll be 2 MRT stations in the town.
Monday, October 28, 2013
2nd travel wish list_Japan
Japan has never been in my travel wish list knowing the cost would be expensive. Japan surfaced when I moaned to my husband that one of my colleagues is visiting the UK next year. I said I love to travel but I want to travel with all my children.Then my husband said to me to do a short listed destinations with estimated costs and we will decide from there. Among the places I mentioned: Korea, UK, US, Australia, Bali. Then my husband compared Korea and Japan.
'Japan? I've always wanted to go to Japan!' I said with disbelief. Suddenly the memories and desire to experience Japan came back. It's the country I've always wanted to experience since I learnt Japanese language during secondary school!
If I had to choose between UK and Japan, I would choose Japan because I've never been there. The culture and it's advanced technology is what I want to see. The cost to go has made me forgotten about Japan but as my husband said, 'estimate and we'll go from there'.....
Suddenly, everything seems possible!
'Japan? I've always wanted to go to Japan!' I said with disbelief. Suddenly the memories and desire to experience Japan came back. It's the country I've always wanted to experience since I learnt Japanese language during secondary school!
If I had to choose between UK and Japan, I would choose Japan because I've never been there. The culture and it's advanced technology is what I want to see. The cost to go has made me forgotten about Japan but as my husband said, 'estimate and we'll go from there'.....
Suddenly, everything seems possible!
Semenyih
My husband's preference is to buy a subsale property at an "affordable" price. So last Sunday, we went to Semenyih to see the town and view a few properties on auction list. We went to Bandar Tasik Kesuma where the auctioned properties are, Taman Rinching 1,2,3,4 and Setia Ecohills.
Why Semenyih? 'Follow the infrastructure' as Ho Chin Soon said. There are good size 1 storey bungalows with ample land size which to me has a lot of potential in Bandar Tasik Kesuma. However, the surrounding is a let down which is very unfortunate. The rest of the properties were just so so.
Then I said I wanted to see the Setia Ecohills gallery. It was my first visit to SP Setia gallery and I was impressed. Very posh with live pianist, refreshment, children's corner, airy toilets and clean surau. I like!
Terrace houses were launched on 1st October and sold out (we didn't know until we came to the gallery) with starting price around 400k. My husband thinks it's reasonable considering it is a SP Setia project. Currently, they are launching semi d's starting at 1.1m....Gulp!
Semenyih is potential. My husband is also considering Enstek, Salak Tinggi and Southville. Hope he'll find his 'soulmate' soon. Aminnnn......
p/s: will take pictures after this to document our journey in property hunting.
Why Semenyih? 'Follow the infrastructure' as Ho Chin Soon said. There are good size 1 storey bungalows with ample land size which to me has a lot of potential in Bandar Tasik Kesuma. However, the surrounding is a let down which is very unfortunate. The rest of the properties were just so so.
Then I said I wanted to see the Setia Ecohills gallery. It was my first visit to SP Setia gallery and I was impressed. Very posh with live pianist, refreshment, children's corner, airy toilets and clean surau. I like!
Terrace houses were launched on 1st October and sold out (we didn't know until we came to the gallery) with starting price around 400k. My husband thinks it's reasonable considering it is a SP Setia project. Currently, they are launching semi d's starting at 1.1m....Gulp!
Semenyih is potential. My husband is also considering Enstek, Salak Tinggi and Southville. Hope he'll find his 'soulmate' soon. Aminnnn......
p/s: will take pictures after this to document our journey in property hunting.
Evo SoHo Bangi
Looking back, it was within 5 days I made my decision to buy a property for investment. We went to IProperty Expo on the 19th and I booked Evo SoHo on the 23rd. It is some sort a wish came true because I've been wanting to purchase a property (if I could call it a property, the size is rather small)so I won't be spending my hard earned money on unnecessary stuff.
My husband and I went to Andaman Sales Office at Seksyen 9 to see the show unit on Saturday. The unit at 454sqft seems ok when furnished with fitted furniture and I was excited seeing the streamlined finishing. The unit purchased will be furnished exactly the same but exclude the following:
That didn't discourage me at all! "That can be combined with when I want to wallpaper my existing home. I just need to save" I said to myself.
Seeing the unit, I think the space is more for a place to rest rather than as an office. 1st thing, you see the bed in the middle once you enter the unit! Can't picture to whom I'll rent the unit to. What I could imagine is my kids jumping up and down the bed like when we were in a hotel room!
The feel is like renting a room or staying at a hotel.
My husband and I went to Andaman Sales Office at Seksyen 9 to see the show unit on Saturday. The unit at 454sqft seems ok when furnished with fitted furniture and I was excited seeing the streamlined finishing. The unit purchased will be furnished exactly the same but exclude the following:
- Wall cabinet
- Mirror at cabinet and wall
- Wall paper
- Plastered ceiling
 |
| Mirror not included |
 |
| The 'kitchen'. Mirror in between & wall cabinet not included. |
 |
| Wall paper not included |
 |
| I chose unit with balcony |
 |
| I think this mirror included. Plaster ceiling not. |
 |
| Some sort like a reception table |
 |
| TV included. There's a small fridge under the top which I think is also included |
Seeing the unit, I think the space is more for a place to rest rather than as an office. 1st thing, you see the bed in the middle once you enter the unit! Can't picture to whom I'll rent the unit to. What I could imagine is my kids jumping up and down the bed like when we were in a hotel room!
The feel is like renting a room or staying at a hotel.
Wednesday, October 23, 2013
My 1st property purchase
Evo Soho in Bangi http://www.iproperty.com.my/developments/developmentreview.aspx?pid=2972
Purchase price 271,700 before 10% discount. After less RM244,530
Alhamdulillah... Cita-cita nak membeli property untuk investment tercapai....Kalau compare sq ft, mmg yang ni agak mahal (RM539 per fq ft) compared to yang in law recommend kat Seksyen 16, Shah Alam (RM458 per sq ft).
Tapi nape sendiri rasa ok? Mula-mula tak kisah tapi bila buat comparison, biar betul....
Apa-apa pun beli property pun berdasarkan kepada expectation & speculation. What made me feel ok is because it's right smack bang in the middle of Bangi and within my price range compared to yang nak amik masa kat IProperty Expo last week.
Maybe tak leh expect property tu memberi immediate return. If can't be rented, at least kitoghang sefamily boleh guna swimming pool dia.
Booking made RM2,717. That's it...No turning back. Look forward and pray everything goes well...
Purchase price 271,700 before 10% discount. After less RM244,530
Alhamdulillah... Cita-cita nak membeli property untuk investment tercapai....Kalau compare sq ft, mmg yang ni agak mahal (RM539 per fq ft) compared to yang in law recommend kat Seksyen 16, Shah Alam (RM458 per sq ft).
Tapi nape sendiri rasa ok? Mula-mula tak kisah tapi bila buat comparison, biar betul....
Apa-apa pun beli property pun berdasarkan kepada expectation & speculation. What made me feel ok is because it's right smack bang in the middle of Bangi and within my price range compared to yang nak amik masa kat IProperty Expo last week.
Maybe tak leh expect property tu memberi immediate return. If can't be rented, at least kitoghang sefamily boleh guna swimming pool dia.
- Fully furnished
- With DIBS
- Completion expected after 42 months of SNP signing
Booking made RM2,717. That's it...No turning back. Look forward and pray everything goes well...
Monday, October 21, 2013
Property Investment & Me
Aware of the lucrative investment in property... but no serious action taken. Read blogs, knew success of close people but that was it. I think that was in 2011.
I've always want to own a property since the salary revision in 2012. 2 of my in laws are actively seeking properties for investment and they have about 3 properties each.
I know I have missed the boat. But back then, I didn't I have any extra to invest. Only now the wealth effect has hit me but the property price seems beyond reach for under constructions properties.
Went to IProperty expo at Paradigm Mall last Saturday. Nearly bought a UC (under contruction) 2 bedroom apartment at RM383k (412k before 5% discount) in Shah Alam.
It's actually over my budget. I'm prepared to pay around RM1.5k for installment and this one calculated about RM1.8k (excluding maintenance fee of 0.22 per sqf)
Why did I even consider? Because:
Nearly, nearly paid the downpayment... Planning to come back on Sunday because it was already 8.00pm. 'Think over it first' said my wise husband.
Of course, I had a 2nd thought the next day, not as eager. My husband even said he had never seen me so unsettled/worried. Yes, I couldn't sleep over it. Go or no go? I don't know!!!!
The next day, my husband drove me to Shah Alam to show the area of the property (it will only start construction next year). The decision was totally up to me, no warnings or encouragement for Mr Hubby. I'm solely responsible. I decided not to go on with the intention.
Why?
I conclude that if I bought the apartment, it would be an impulse buying.
We discussed on the way home because hubby also wants to start investing. Health issues tackled, next is property investment.
Need to equip myself with knowledge first. In sya Allah, there's another boat coming that I can hop on. Hope it's a speedboat. I just need to be prepared so I won't miss this one!
Ya Allah! Perkenankan.....
I've always want to own a property since the salary revision in 2012. 2 of my in laws are actively seeking properties for investment and they have about 3 properties each.
I know I have missed the boat. But back then, I didn't I have any extra to invest. Only now the wealth effect has hit me but the property price seems beyond reach for under constructions properties.
Went to IProperty expo at Paradigm Mall last Saturday. Nearly bought a UC (under contruction) 2 bedroom apartment at RM383k (412k before 5% discount) in Shah Alam.
It's actually over my budget. I'm prepared to pay around RM1.5k for installment and this one calculated about RM1.8k (excluding maintenance fee of 0.22 per sqf)
Why did I even consider? Because:
- Low entry cost. RM2k booking and pay about RM10k more for down payment. Exactly the money I have right now without touching my KWSP A/C 2. The instalment will only start in 3 yrs time (2016) when it is completed.
- it's in Shah Alam (location). The buy is more of 'double edged': initially for rental also for my kids to stay if they go to UITM.
- freehold
- proper apartment with 2 bedroom although it's around 800 sqf. Others are selling SOHO/SOFO/SOVO, slightly lower price because they are smaller.
- the freebies attracted me (4 airconds/kitchen cabinet/hood and hobs).
Nearly, nearly paid the downpayment... Planning to come back on Sunday because it was already 8.00pm. 'Think over it first' said my wise husband.
Of course, I had a 2nd thought the next day, not as eager. My husband even said he had never seen me so unsettled/worried. Yes, I couldn't sleep over it. Go or no go? I don't know!!!!
The next day, my husband drove me to Shah Alam to show the area of the property (it will only start construction next year). The decision was totally up to me, no warnings or encouragement for Mr Hubby. I'm solely responsible. I decided not to go on with the intention.
Why?
- This is my first buy and I'm willing to pay 1,800 + 200= 2k per month. Shouldn't I start small?
- I don't even know whether 400k is the current price of an apartment in Shah Alam. I didn't do my research and homework.
I conclude that if I bought the apartment, it would be an impulse buying.
We discussed on the way home because hubby also wants to start investing. Health issues tackled, next is property investment.
Need to equip myself with knowledge first. In sya Allah, there's another boat coming that I can hop on. Hope it's a speedboat. I just need to be prepared so I won't miss this one!
Ya Allah! Perkenankan.....
Thursday, October 17, 2013
Reset Minda_Anak
Didiklah anak sebaik mungkin kerana anak itu saham akhirat. Hargai anak kita dengan memberi didikan dan kasih sayang semoga kita memperoleh doa dari anak-anak kita yang soleh dan solehah.
Itu untungnya anak ramai....
Jangan kita mengeluh perbelanjaan yang terpaksa dikeluarkan untuk anak-anak kita. Jangan kita berkata 'bestnya dia dapat travel. Ye lah, anak dua je jadi kos dia dah jimat'. Lihatlah dari kaca mata akhirat.
Time spent in a day of 16 hrs (24hrs- 8hrs sleep at night):
Wake up and prepare for the day 5.45-7.45 = 2 hrs
At work 7.45-5.45 = 10 hrs
Drive from work 6.00-7.00 = 1hr
After work 7.00-10.00 = 3 hrs
Within that 3 hours, how long do we watch TV? How long do we interact with our kids?
Let say:
7.00 - 8.00 Ask kids how was their day which may take only 15 min. Maghrib prayer, watch Akasia
8.00 - 9.00 Ask kids whether they've done their homework while lying down, another 15 min.
AFC/ Diva channel.
9.00 - 10.00 Prime time for TV programs, already feeling tired and sleepy. No conversation.
That's about 45 min out of 16 hrs (5%). That's about 11,745 min equal to 196hrs per year in a year of 261 days (excluding weekend) . That's 12 days... So the whole one year, we only use 5% of our time to interact with our kids, just 2 days more than a week...
Sad isn't it?
To improve the fact, lets assume we talk to them half of the weekend (other half spent on oversleeping, running errands, chores, relaxing after tiring week). That's 16hrs x 52 weekend = 832hrs = 52 days
So if you interact more with kids on weekends (8 hrs each Sat & Sun), you spend 64 days interacting with them. About 2 months in a year (17%) while time spent at work is 63%. 6% spent on the road for work, and the rest 14% is for...well...our own leisure: TV, rest or minding our own business.
Is this enough considering they are our investment in our afterlife?
How much is enough?
Spend more time with your kids. Invest your time on them
You say you love them dearly. Prove it!
P/S: When I say 'we', it really means 'I' :-(
Itu untungnya anak ramai....
Jangan kita mengeluh perbelanjaan yang terpaksa dikeluarkan untuk anak-anak kita. Jangan kita berkata 'bestnya dia dapat travel. Ye lah, anak dua je jadi kos dia dah jimat'. Lihatlah dari kaca mata akhirat.
Time spent in a day of 16 hrs (24hrs- 8hrs sleep at night):
Wake up and prepare for the day 5.45-7.45 = 2 hrs
At work 7.45-5.45 = 10 hrs
Drive from work 6.00-7.00 = 1hr
After work 7.00-10.00 = 3 hrs
Within that 3 hours, how long do we watch TV? How long do we interact with our kids?
Let say:
7.00 - 8.00 Ask kids how was their day which may take only 15 min. Maghrib prayer, watch Akasia
8.00 - 9.00 Ask kids whether they've done their homework while lying down, another 15 min.
AFC/ Diva channel.
9.00 - 10.00 Prime time for TV programs, already feeling tired and sleepy. No conversation.
That's about 45 min out of 16 hrs (5%). That's about 11,745 min equal to 196hrs per year in a year of 261 days (excluding weekend) . That's 12 days... So the whole one year, we only use 5% of our time to interact with our kids, just 2 days more than a week...
Sad isn't it?
To improve the fact, lets assume we talk to them half of the weekend (other half spent on oversleeping, running errands, chores, relaxing after tiring week). That's 16hrs x 52 weekend = 832hrs = 52 days
So if you interact more with kids on weekends (8 hrs each Sat & Sun), you spend 64 days interacting with them. About 2 months in a year (17%) while time spent at work is 63%. 6% spent on the road for work, and the rest 14% is for...well...our own leisure: TV, rest or minding our own business.
Is this enough considering they are our investment in our afterlife?
How much is enough?
Spend more time with your kids. Invest your time on them
You say you love them dearly. Prove it!
P/S: When I say 'we', it really means 'I' :-(
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