I feel Like Writing

Wake up to the sun, feeling gratitude to the breath still in and out. Feels like day is always never enough because of the work that I do is never finish. Its almost 2 weeks, 2018 is going to be an end. What achievement that I got? I would rather said none, but I have do what i think beyond my ability to fullfill others needs and I am pretty much ignore my own needs.

Being exhausted by all the work travel, and burning midnight oil to finish the reports and work, sometime got migrain and sometime got so grumpy and throwing tantrum at the age of 30. Haha.. but I just try to be as grateful as possible. As human, as sinner, As mistake machine, I will never escape from doing wrong, but i will never fail to learn from my mistakes. but. looking at the bright sight, I would like to do better for the nature, for the environment, for the world and for the future.

I never live forever, but i will live everyday like my last day.. self motivate and never stops! FOIN is ready for the world, y'all

Now: Do you believe in epocalyse?

STepping 2018 like a champion

                     

Paddy Field longpasia

Its 2018, we had step into the year like a champion. first of all, i had involve with a very great buisness. Its never been something new, its call the us stock market. well im never want to write it in hear comprehensively you can just whassap me for detail if you wish to change your life for better.

In year 2018, family member is increasing to 4+1 person and it is great because the dull and boring house is more merry with hanna in the house.

second of all, Its June and its my month to step into the 30 series. life is gonna be enjoyable. I will try harder to be happy in this 30 series to delay the aging..

Finally, Im going to traveling around as a family for the first time just to make sure everyone in the house members is happy.

Accesories baju Tradisi: Pinongkoloh, tangkong sewaan untuk unduk ngadau/ ralaa contest, pesta kalimaran, wedding reception, show, singing contest

6th pieces of masterpiece pinongkoloh 

For now, it is only open for rental, event, wedding, unduk ngadau/ ralaa contest. 

open for learning. can contact me and make an appointment. 

traditional cloth for rental: 1. Gaung sinuanga

                                           2. murut traditional cloth

Tangkong for rent

Open for ordering.. siling for traditional cloth gaung sinuanga

1st piece of pinongkolo

2nd piece of pinongkoloh

3rd piece of pinongkoloh

3rd piece of pinongkoloh

4th piece of pinongkoloh

gaung sinuanga

3rd piece of pinongkoloh

my engagement :-)

happen on 08 of march 2014, it was a beautiful occasion. which i just try to manage as much as i could to make sure this event is going smooth.

Ums Ks

Somewhere in 2011

Suda pun tiba di kampus sdkan dr kamarin jam ptg lg, adui.. jauh juga. tp betahan ja la. semua pn baru2 lg. tp mcm blum ramai urg yg dtg pg kampus ni.. huhu..

Extension job scope

                    I Never Imagine of becoming somebody to talk to hundreds of people, with my personalities, anti-social, its almost impossible to become a speaker in front of crowds. All this while, i had been through quite a lot of different audiences and different question and made me ashamed of because of unable to answer all the question perfectly. As for my case, I have to surrender some question to the exprience colleagues. its for the best. total talk that i had been given is 10 talk at different district, and soon will be 11 talk by this month.

Talk at kunak, there is one audience that give me a question that i had pass to my collegue because i cant answer and i was talk bad by on of the audience. but i took their comments for better change.

Talk at penampang, i got a quite friendly audience, didnt ask too much question, maybe because they are understand so well about my talk.

Talk at tambunan, this is the first time i give talk on stage and my paper presentation was flat on the floor. thrown with question that i cant answer

talk at kuala penyu, my very first time talk at here in class room with small group of audience, under controlled but it was ok.

talk at keningau, this crowd is friendly and accepted to my talk. first talk for 2017

talk at semporna, the director of the department was in the audience made me so nervous

talk at keningau, another action while giving talk

talk at kota marudu, very good audience and giving me a good appaulse. thank you, you are very sporting.

Research for everything when thinking about buying a house.

There is so many thing in our life we need to do a little research and survey before we can decide what we want. Especially if we are about to buy a house, its the biggest decision in life because we have to carried the commitment (monthly installment) for lifetime. So, do not simply do it and keep on doing some research. Here is my little guidance after what i have been through since last month (February 2017) 

For example. we want to buy a house, either new one or from a new owner,

First of all, 

Look for property/home

1. Location of the house, Distant from the downtown, and work place, hospital and etc.

2. House Price: is it worth to buy? Is it financially affordable?

3. Interior of the house, does it need further renovation this include lamp and wiring, curtain and railing, sink and cabinet, toilet, fix any leak from the ceiling, mosaic, in order to move in. if yes, we need to estimate the cost to add on to the house price.

4. We need to change the lock of every door for safety purpose and get to know to the neighbourhood.

Loan home from bank or any government subsidized loan (in this case it is the lowest rate from bank)

1. Research on the amount that is about to be loan and approve, mostly just able to approve 90% of loan and 10% is from the buyer or purchaser.

2. Compared the interest rate from the bank, of cause usually we will choose the lowest rate of bank.

3. Try to find out for the lock-in period, which means a person can't do the full settlement in the period usually 3-5 years. 

4. Try to find out what kind of imbursement and charges that we need to pay. (such as stamp duty etc)

5. Don't overloan from what you need, this will burden you just for that extra cash.  

6. For government loan, try to get all the document needed prepared and approval from the head of department, in case the house was a second hand, try to get the document from owner as well to proceed the processing of the loan.

Next step is to do research on 

1. Lawyer firm (usually agent of real estate and bank will appoint a lawyer firm but better to do some research) for both S&P and loan agreement legal fee. For additional information, any purchasing of property may have to submit a form to LHDN to report for possible tax. Search for the best lawyer firm of the current location to get the best service out of the local. :) Usually the type of house that developed by developers are property with master title. Don't give the wrong information (but this will be taken care by the agent realty estate)

2. Insurance: 

a) Home insurance: try to do some survey and research on at least 3 best insurance policy every known. try to find out how is the coverage of the insurance and any probation period for claiming. usually after 6 month from the insurance date.

b) Life insurance: usually bank will provide the loan together with the insurance to protect the buyer.

3. For preparation of this both expenses try to have cash in hand approximately RM10k to ease the prossess of the legal fee.

Most of all try to take times for every little decision you will be making because it will affect you for life time financially in this case. :)

A little updates, don't forget to prepare some money for cukai pintu,  management fee.. This two additional expenses may burdenful if financially not prepared..