Pengalaman saya beli rumah second hand

Actually bukan 2nd hand but i'm the third owner......

Memang mencabar sangat bila nak beli rumah ni...kalo x beli dari sekarang bila lagi, nak tunggu dah bongkok baru nak habis bayar loan rumah...ishhh banyak kemungkinan....

Saya beli rumah ni pada tahun 2011...dah lama dah..tapi bila terkenang balik pengalaman tu, terasa nak buat manuskrip...ehhh..kalo dari segi teori dah salah tu...

Perasaan nak beli rumah tu datang tiba-tiba...tanpa perancangan...husband pun ikut jer...lagi senang nak proceed...

Perkara pertama yang we all buat cari rumah....dalam sepuluh rumah jugak kami g survey...petang balik keje jer g jalan ronda cari rumah...sebelum melawat kawasan...hehehe...kitaorang google dulu...segala laman web tentang property saya jengah...paling senang dalam mudah.com...

Saya nekad nak rumah semi-D,walaupun ntah baper la bayaran bulanannya nanti...huhuhu...kalo dua tingkat husband x nak..dia kata dah tua nanti susah nak memanjat tangga...alah muda ni pun dah ngadu macam2 belum tua lagi...hehehe...

Kalo beli rumah baru, belum tentu dapat rumah yang besar dan murah ckit jer...rumah baru confirm jauh...mana ada yang dekat ngan semua fasiliti...luas tanah confirm ciput...hahaha...keputusannya cari rumah 2nd hand...

dah dapat rumah, tapi deal ngan broker..harga x reti2 nak kurang..padahal market value rendah jer...husband suka rumah tu..sebab dekat dengan tempat keje dia...saya jauh ckit...haaa dah jumpa rumah yang kita rasa sesuai jangan lupa check value kkk...minta geran tanah dekat owner...telepon jer valuer....diorang akan beritahu berapa market value rumah...jgn tanya broker...confirm diorang pun nak untung....

Di pendekkan cerita sudah penat bermain dengan broker, dengan owner rumah...saya terjumpa satu rumah yang paling dekat dengan tempat kerja n segala fasiliti...dalam mudah.com...g tengok rumah pun sorang2...sebab husband keje...rasa dah sesuai rumah ni...besar...harga pun ok...

Part nak masuk loan pulak...alahai...tang ni memang payah..penat kejar orang bank..bila nak approve loan...susahnya...ada 5-6 bank jugak saya antar proposal..mostly payah nak approve..my husband guarantor    bapak dia..so payah sikit...gaji both of us pun dapat cash...kalo gaji in cash tu..please la, dapat gaji terus bank in...nak pakai cepat pun duit tu..bank in dulu...nak buat loan rumah bank check everything from A-Z our financial history...huuuh..but after they approve rasa puas...nak menjerit jer...IT'S MINE...hahaha...alhamdulillah dah setahun pun kami duduk rumah baru..rasa tenang jer...ada lagi part yang saya x masukkan dalam entry ni...nnti ada masa saya update...if nak beli rumah tolong tanya dekat orang yang berpengalaman ek...

Untuk loan bank saya hanya dapat 80%...another 20% by your own...oleh kerana x der simpanan yang banyak terpaksa buat pinjaman pihak ke-3...20% tu kena bayar direct to owner..sebelum bayar baki 20% tu direct owner....sila semak perkara yang saya nyatakan dibawah

Rumah second hand ni selalunya dah ada kemudahan fasiliti, jadi sebelum langsaikan bayaran dengan owner lama jagan lupa check bil terkini TNB, water bill, cukai pintu, cukai tanah (rasanya ni x lar kot) and Indah Water (macam kes saya owner lama kata x payah tukar nama, dia kata banyak duit nak pakai masuk rumah, so kami iakan ajer, tapi jgn pulak buat x reti bayar bil tu sebab bukan nama kita). Kadang2 bil - bil ni ada tunggakan. Mcm saya owner rumah lama x bayar bil Indah water sampai RM500++...banyak jugak tu. So bincang dengan dengan owner lama tolak duit 20% tu...kalo x berhati2 nnt kita nak minta dia bayar semula bil tu confirm susah nak dapat.

Remove Skin Tag

How to remove skin tags :

   

Here are 3 natural remedies for removing skin tags that have been proven to be bath safe and effective.:

1- you can remove a skin tag using tea tree oil. This fabulous essential oil is extracted from an Australian plant called Melaleuca Alternifolia which is a plant that works wonders in treating so many skin diseases.

The method for removing skin tags using tea tree oil is simple. You just have to wash the skin tag and its surrounding areas with soap and water and leave it dry out. Then take a Cotton ball and soak it in water and put three drops of tea tree oil on it. You'll then have to rub it against the skin tag.

Do this three times a day for a couple of days until the tag falls off.

2- The other natural way to remove skin tags is to use a herbal extract like Dermisil for skin tags. This natural medicine is extracted from 3 plants that are very well known for their healing effects on so many severe skin conditions. These three plant are: Ricinus communis, Thuja occidentalis and Melaleuca alternifolia.

3- Castor oil is another natural remedy for removing skin tags. If you want to try it out, it is recommended that you mix it with baking soda. Mix them together until they form a paste and then apply that paste to your skin tags.

4- You can remove skin tags using fingernail polish. You just cover the tag with the fingernail polish 3 times a day for a couple of days until the tag falls off.

5- You can also remove a skin tag by tying a thin string around its base for a couple of days until it falls off. For this purpose, you can use a fishing line or a dental floss.

6- Another way to remove skin tags at home is to use duct tape. Just take a piece of duct tape that is big enough to cover the skin tag and leave it taped on it until you notice that it has started to loosen up. then check to see if the skin tag is actually falling off. If not, repeat the procedure until the skin tag falls.

7- There is also another home remedy for removing skin tags that consists on using Vitamin E. You put some vitamin E on a band aid and you tape it on the skin tag. Then wait for the skin tag to fall off. This will take a couple of days.

8- Compound w freeze can also be used to remove skin tags. The method is similar to using Duct tape.

9- If you want to get rid of a skin tag using a faster and more drastic way, then you'll have to cut it off using scissors or nail clippers. If you want to give this method a try, make sure you're using a disinfected instrument and apply a good amount of alcohol to avoid infection.

10-Remove skin tags with apple cider vinegar (ACV) the method is very simple: you just rub some ACV on the skin tags three times a day using a Cotton ball. You'll have to keep at it for 10 to 15 until the skin tags fall off.

Source: http://www.squidoo.com

Three Qualities Every Leader Needs to Succeed on a Team

"I want your help developing my direct reports into stronger leaders," John* the new CEO of Fasseni, a $350 million technology company, told me several years ago.

Initially, I approached the request like any consultant might.

First, I asked John why he wanted my help. He told me that Fasseni had stagnated. They had been hovering around the same revenue point for years and their competitors were gaining market share. He saw opportunity and knew that success lay in the hands of his direct reports. That made sense to me.

So John and I defined a list of qualities a great leader should have, like expertise in their field, strategic thinking capability, common sense intelligence, powerful communication skills, problem solving prowess, and similar traits.

Then I spent some time interviewing him and his direct reports to better understand their strengths and weaknesses as they related to the list of leadership qualities we had defined.

Identify the goal, assess the current situation, understand the gap, and then close it. Consulting 101. Simple, right?

Only in this case, it wasn't so simple — because there was no gap.

On the whole, the leaders at Fasseni were smart, capable, communicative, strategic people. A few were even charismatic. They were good leaders. Maybe we could have made incremental improvements, but, I told John, I didn't believe it would be a good use of his resources. Our work wouldn't move the needle enough.

We sat in silence for a moment and then I chanced a gut feeling. "There is one more thing I'd love to do. I can't exactly tell you why, but I'd love to see your direct reports in a meeting together." He hesitated — so far I hadn't added much value — but he took a risk.

Here's what I saw:

One item on the agenda was the slow down in sales. When that conversation started, the head of sales started to defend his organization. Prices are too high, he said, because of the CEO's focus on margins. If manufacturing could reduce costs, then sales would pick up.

Hold on, the head of manufacturing argued, we can't reduce costs because of the way the product is engineered. If engineering didn't overcomplicate things, the product would be cheaper to build.

Wait a second, retorted the head of engineering, we're only responding to what marketing is telling us we have to create to meet customer demand. If we didn't have to be so customized for each unique customer situation, we could engineer a more efficient product.

And so the conversation continued, like a game of hot potato, everyone hoping, desperately, that the blame wouldn't land with him when the song ended.

"We've been focused on the wrong problem," I told John at dinner that night. "You asked me to help you develop your direct reports into strong leaders. But they're already strong leaders . . .individually. They're just not strong leaders collectively."

Each leader ran his organization successfully, aggressively pursuing his organization's interests. And each one succeeded in meeting — often exceeding — his goals. Each one was committed to — and cared deeply about — his organization's performance.

But that's all they cared about — their own organizations. They were impressive as leaders, but destructive as a leadership team.

As I watched John's team struggle, I was reminded of the popular columnist Dan Savage, who employs a formula of "good, giving, and game" on the topic of personal relationships. In some ways, a leadership team is no different than any long-term relationship. If you want to be a good partner — personally or professionally — you need to be three things:

Gifted. Simply put, leaders need to be good at what they do. Smart, prepared, and well-informed, they need to engage in conversations with curiosity and capability. But to be on a team, they need to go beyond that. They need to be gifted communicators and gifted learners, mastering conflict without being offensive, and adapting to their own changing roles as the organization grows.

Game. They need to have the courage to take risks. To be vulnerable and open to challenge and criticism, they need to be willing to consider anything. This requires a tremendous amount of confidence. The kind of confidence that allows them to be questioned by others — even take blame and feel threatened — without becoming defensive.

Generous. They need to put the good of the company above their own department, team, or agenda. They must be good-hearted, mutually respectful, and gracious, resisting the urge to dominate, take the upper hand, or shine at the expense of others. Part of being generous with others also means taking an interest in, learning about, and offering opinions regarding the other team members' functions.

Being gifted, game, and generous is tremendously hard to do because those qualities can make us feel tremendously vulnerable. That's why I teach emotional courage during the Leadership Week I run for senior leaders. We need that courage if we're going to lead with others.

John and I started to develop each member of the team — and shape the dynamics of their collaboration — to bring out these qualities. It took time, hard work, and commitment and it didn't work for everyone. Those who could not bring themselves to be gifted, game, and generous did not remain on the team.

Over time, our focus on the leadership team paid off. Since we started working together, Fasseni has grown from approximately $350 million in revenue to about $1 billion. During that time, the stock price went from around $10 per share to around $80 per share.

That kind of growth is inevitably driven by a number of factors. But one factor stood out, a single element that gave them a clear advantage compared to their competitors: A gifted, game, and generous leadership team.

*Names and some details changed

More blog posts by Peter Bregman

More on: Communication, Leadership

Mereka telah pergi meninggalkan kita..

Post tertunda....
Berita kematian yang mengejutkan...

Antara insan-insan yang telah pergi tinggalkan dunia ini...Moga dengan kehadiran ramadhan mereka tenang di sana.

1st-Tok ndak yang dah lama sakit (7 Julai 2012)
2nd-Mak long sakit jugak( 6 October 2012)
3rd-Atok lama sakit jugak(9 November 2012)
4th-Mak lang orang kami sangka sihat walafiat juga tinggalkan kami..(12 December 2012)

Mereka semua ni orang banyak berjasa kepada generasi akan datang...saya dan juga sepupu yang lain...
..Jasa mereka terlalu banyak untuk di kira...Saya juga ada pengalaman manis bersama mereka...Al-Fatihah untuk yang telah pergi meninggalkan kita..


Amin...

Ayam bakar mudah

Ayam bakar mudah

****Sorry la gambar gelap, maklumla snap pakai phone, but rasanya marvellous...

Bahan-bahan:-

5-6 ketul ayam (sederhana jer ok)
2 biji bawang kecil besar ibu jari*
1 inci halia (kalo nak kurang boleh jugak)*
1/2 inci kunyit/serbuk kunyit pun boleh*
3 ulas bawang putih*
1 sudu besar (jgn penuh sgt) rempah kurma (cara paling cepat) / jintan putih+jintan manis (tumbuk-cara lambat cikit)
1 sk lada hitam -nak lebih pun ok
1 sudu besar gula
garam secukup rasa

Cara2nya:-
Kisar / tumbuk bahan bertanda
campur semua bahan dalam bekas sehingga sebati
cucuk-cucuk ayam dengan pisau supaya rempah mudah meresap
perap dalam setengah jam/lebih..

Panaskan pan memasak, masukkan sedikit minyak (dalam 1 sudu besar)..masukkan ayam, masak dengan api perlahan, tutup pan dengan tudung periuk kukus...kalo ada magic pan tu gunalah magic pan..saya x do..so guna pan biasa...sebab apa kena tutup..ayam tu akan lebih empuk dan terasa jus pada ayam tu..dah nampak perang pada ayam tu buka penutup pan tu..supaya ayam tu garing dekat luar...rempah tu pun sedap bila dah garing...saya n husband berebut rempah yang dah garing tu..kalo nak bakar pun boleh..tapi sanggup ker nak perasap api...saya x serajin itu lagi...dulu yer la...

**Ini resepi mak saya dari dulu sampai sekarang kami adik-beradik x jemu makan...cuma anak dia advance cikit...rempah pakai instant jer...

Makanan yang sedap bukan dari resepinya...dari hati yang ikhlas...apa2 pun akan sedap...

Kebaikan Bawang Putih

Saya suka bawang putih, walaupun baunya tidak menyenangkan, tapi best bila makan....tumbuk dengan cili letak cikap, best makan dengan bihun sup...terliur lah pulak...hahaha..saya nak kongsikan manfaat bawang putih...

Antara khasiat bawang putih:-

Mengurangkan risiko angin ahmar
Bawang putih mampu penghasilan oksida nitrik pada dinding saluran darah yang membantu untuk mengembang dan mengawal tekanan darah dengan baik bagi mengelakkan risiko darah tinggi dan angin ahmar. 

Mengurangkan risiko kanser
Kaya dengan anti oksidan seperti selenium, bawang putih mampu membantu mengurangkan radikal dalam darah, sekaligus mengurangkan risiko seseorang menghidap kanser. 

Bertindak sebagai anti bakteria dan antivirus
Sejenis bahan iaitu allicin yang terkandung di dalam bawang putih ini bertindak sebagai antivirus dan antibakteria dalam memusnahkan beberapa mikrobakteria. Jadi, ianya amat baik untuk jangkitan perut, jangkitan influenza dan sebagainya. 

Mengandungi banyak iodin
Bawang putih mempunyai kandungan iodin yang tinggi yang baik untuk pesakit hypertiroid. 

Dapat tingkatkan sistem imunisasi
Kajian mendapati bahawa pengambilan bawang putih sebanyak dua hingga tiga ulas sehari selama tiga minggu akan meningkatkan aktiviti sel darah putih untuk melawan jangkitan dan tumor.

Amalan Pemakanan......... Merawat Penyakit GOUT.

Baru lepas telefon mak...
Mak kalo ada sakit apa2 mesti terus kctu...
"Mak sakit gout, baru jer balik klinik..."
"mak x makan apa2 kot?...confident jer tanya..."
"mak makan sotong..."
"nak kena mak ni!!!..."bukan marah tapi sayang...
alahai buat kita susah hati...anaknya kalo ada kemusyikilan mesti terus google..nak cari penawar..saya jumpa artikel ni...mungkin boleh jadi panduan untuk semua..termasuk saya k.......

Berikut adalah panduan bagi mencegah daripada terkena penyakit gout..InsyaAllah.

Elakkan atau kurangkan makanan atau amalan berikut:



Hati lembu ...antara pantang pesakit gout (pantang jumpa)



1.       Elakkan kacang tanah, kacang putih dan segala kacang bergaram.

2.       Elakkan segala macam buah-buahan jeruk kering seperti asam boi, buah kana, dll

3.       Elakkan segala macam buah-buahan jeruk basah seperti mangga jeruk, ceremai dan anggur jeruk.

4.       Elakkan memakan mi segera seperti mi maggi dsb

5.       Elakkan memakan makanan rapu seperti twisties, chikadess, o ring dsb

6.       Elakkan memakan mi kuning dan roti canai. (Gantikan mi kuning dengan spageti dan roti canai dengan capati dan tosei). Segala produk yang menggunakan tepung putih juga perlu dielakkan seperti roti dan pizza.

7.       Elakkan Nescafe, air sunquick, oren squash dan segala minuman berperisa kerana kandungan utama minuman ini ialah bahan kimia, pewarna dan perisa.

8.       Elakkan minum teh kedai kerana teh kedai adalah teh recycle yang semata-mata dibuat dari bahan kimia pewarna dan perisa.

9.       Elakkan chokelat dan minimakan air milo. Gantikan Milo dengan horlick.

10.   Elakkan mengambil sebarang air minuman bergas.

11.   Elakkan mengambil jambu batu atau jus jambu batu

12.   Kurangkan atau minimakan pengambilan durian, rambutan, ciku, mangga siam, mata kucing siam dan longan. (Makan ala kadar sahaja)

13.   Elakkan tembikai dan tembikai susu

14.   Kurangkan pengambilan kerang, ketam, udang dan sotong. Makan sedikit sahaja dan jangan kerap mengambilnya.

15.   Kurangkan mengambil ayam daging kerana mengandungi beta agonist dan pelbagai hormon penggemuk. Ayam ini dibesarkan diladang cuma 31 hari sahaja akibat diberikan ubat-ubatan ini. Cuba gantikan dengan ayam kampung atau ayam yang dijual dipasar yang kulitnya berwarna kuning. Ayam ini tidak mengandungi ubat-ubatan terlarang.

16.   Bila makan daging, pilih daging tanpa lemak (tendon). Bila makan ayam (kampung) pilih makan bahagian dada dan elakkan bahagian banyak tendon seperti wing (kepak) dan peha.

17.   Elakkan makan buah oren seperti oren sunkist, air limau seperti air teh O limau.

18.   Elakkan makan cendawan dan produk cendawan termasuk ubat ganoderma

19.   Elakkan makan ikan berbisa seperti ikan semilang dan ikan pari.

20.   Elakkan makan organ dalaman seperti hempedal, hati, jantung dan tidak ketinggalan telur ikan.

21.   Kurangkan makan makanan kari seperti kari ikan dan daging.

22.   Elakkan sayur kacang buncis, bayam, petola dan bunga kubis

23.   Elakkan berlari dan melompat (gantikan dengan berjalan) bagi yang sudah mengalami gout

24.   Elakkan berurut terutamanya di bahagian pinggang

25.   Kurangkan atau elakkan pulut, keladi, keledek, kentang dan ubi.

26.   Elakkan jering, petai dan kerdas

27.   Kurangkan pengambilan minyak kelapa sawit.

28.   Elakkan menonton bahan pornografi

29.   Elakkan menaiki motorsikal dengan kedudukan kaki ke hadapan seperti menaiki motorsikal Jaguh.

30.   Elakkan sebarang uabat-ubatan seperti pain killer dsb

31.   Elakkan mengambil sebarang supplement seperti multivitamin dsb

32.   Elakkan Ikan masin jeruk seperti ikan tenggiri

33.   Elakkan sayuran jeruk

34.   Elakkan makanan dalam tin seperti sardin dan buah-buahan bertin

35.   Elakkan makan telur masin

36.   Elakkan cuka makanan tiruan (usahakan cuka makan asli dari apel hijau)

37.   Elakkan makanan segera (Fast food) seperti KFC, Mc Donald, burger, sosej, naget dsb- Amerika adalah negara terhebat di dunia dengan fast food diikuti dengan Hong Kong, Australia dan England. Amerika juga adalah negara terhebat dengan penyakit berkaitan buah pinggang diikuti oleh Hong Kong, Australia dan England (www.shenbing.org/shenbingzhishi/zixun04.asp)

38.   Elakkan terjatuh dan berurut di bahagian pinggang.

39.   Elakkan menahan terlalu lama daripada membuang air kecil (tahan kencing)

40.   Kurangkan makanan bersantan

41.   Kurangkan makanan yang mengandungi bahan pewarna, perasa dan pengawet tiruan dan termasuk ajinomoto

Makanan atau amalan yang perlu diamalkan selalu pula ialah:

ulam raja  antara ulaman yang perlu diamalkan

 

1.       Minum air masak / suam dengan banyak terutama sekali bila masuk tidur. Lebih elok lagi sampai perlu bangun tidur pukul 3 pagi kerana perlu kencing

2.       Amalkan minum teh misai kucing 2 uncang sehari.

3.       Makan peria dan peria katak

4.       Sawi pahit, kacang botor, kacang panjang, kailan

5.       Susu tepung (bukan anelene, HL atau low fat)

6.       Minyak zaitun. Satu sudu besar sehari adalah amalan yang disarankan

7.       Ulam seperti ulam raja, pucuk gajus, pegaga dsb

8.       Buah Delima

9.       Epal hijau 2 biji seminggu

10.   Burung seperti burung puyuh dan merpati

11.   Daging itik, rusa, pelanduk, napuh, landak, arnab dan sebagainya

12.   Garam kasar menggantikan garam halus

13.   Berendam dalam air panas pada paras pinggang selama 20 minit selepas minum segelas air suam (dalam besen atau pun tab mandi) atau SPA.

14.   Makan lebih banyak sayur-sayuran

15.   Makan kapsul HABBATUSSAUDA

Sebenarnya penyakit gout ini adalah rahmat dari Ilahi. Orang yang sihat memanjang sampai tua selalunya susah untuk mengingati Allah. Penyakit ini mudah-mudahan menjadi kafarah untuk menebus segala dosa-dosa lalu seperti dijanjikan Allah. Gout macam rambut yang bertukar menjadi putih sebagai amaran dari Allah bahawasanya kita makhluk Allah akan dipanggil mengadapNya dan masanya sudah semakin hampir.

Sekian wassalam

wallahua'lam

Mohon share pada pemilik blog di bawah:-

Rawatan Islam Jengka (RIJ): Amalan Pemakanan : Merawat Penyakit GOUT.: