We got so bored and we played with.... tissue paper:
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| "Meet the Princess of Persian..." |
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| "Pirate of The Caribbean. Muahaha!" |
- Gambar Hiasan -Pagi tadi bangun awal.
Lepas Subuh, iron baju Suami Terchenta.
Sambil bebel2 pujuk2 Suami Terchenta mandi cepat2.
Suami Terchenta mandi, aku buat nasi goreng kampung (ringkas, cepat dan mudah!).
Cili padi banyak lagi. Ambil beberapa biji dan tumbuk dengan bawang.
Minyak panas, dan terus ditumis sampai wangi.
Hidung terus berair, dan aku terbersin-bersin. Pedasnya!
Suami Terchenta keluar bilik air dan terbersin-bersin. Pedas jugak!
Lepas kami bersiap2, duduk depan tv sambil menikmati nasi goreng pedas.
Sampai merah2 muka habiskan nasi goreng.
Huhu… pedas…
Sampai di ofis.
Sakit perut memulas2.
Semua gara-gara nasi goreng kampung.
Lepas membuang isi perut di tandas,
Baru rasa lega.
Hahaha…
Lain kali takkan masak nasi goreng pedas lagi.
Taubat!
Yes.
I am so glad we made this decision when we are both young and child-less.
I can't imagine going thru this process when I am in my 40-ish, or 50-ish.
I'd die before I even step inside that house.
The agony my heart went thru when dealing with lawyers.
My headache last until today!
Atttention aspiring house owners - I have 2 useful tips to share with you all:
- When dealing with lawyers, make sure you only believe 10-20% of what they say (unless you know them for years or they are your friends / family)
- Make sure you do a thorough study of all the process and procedures of buying a house / securing loans / withdrawing EPF before you actually proceed to sign anything.
This is a true story of a friend of a friend:
She and her fiance are getting married. So they decided to buy a house. They applied for housing loan. Soon, they were approached by a man at the showhouse unit who claimed he was a lawyer who could help them to manage the whole house-buying process. He wanted to charge them RM10k for 'legal charges'. Without thinking, the then-happy couple borrowed RM10k from relatives, siblings etc. They thought this is part of the buying process. They met up with the 'lawyer' at a coffeeshop and gave him the money. Guess what happened after that? Yup, the 'lawyer' and their borrowed money were gone with the wind. They tried to call him, but he didn't answer. They went looking for him at the address on his business card - the office is just a block of empty shophouses. When they realized that they were cheated, the girl spent days crying in her room. She did not think that she want to go ahead with the wedding. I'm not sure whether she has changed her mind since then.
So you see, doing a thorough research before committing to anything is extremely important. If you don't know, check with relatives / friends who have gone through the process. Look up the guideline for homebuyers in Ministry of Housing and Local Government's website (www.kpkt.gov.my) which is a detailed and great reference. To check for competitive housing loans in the market and how to get a loan package that suits your requirement, you can also log on to www.bankinginfo.com.my.
Anyway, this is a summary of the process that Suami Terchenta and I had to go through to own our home sweet home:
- We went to look at the show unit, paid booking fee (which is part of the downpayment) of RM100. The developer then issued a receipt (or you must ask for the receipt!)
- Surveyed housing loan packages offered (usually you can find bank loan brochures at the show unit) and picked one.
- We filled up loan application form. At this point, we were required to submit photocopies of our IC, latest 3 months' salary slip, latest income tax or EA form, latest six months' bank account statement, and the booking receipt (that's why you have to get the receipt)
- Upon loan approval, we had to sign a few copies of letter of offer from the bank.
- The bank informed the developer that our loan request has been approved, we then proceeded to sign the Sale & Purchase (S&P) agreement and Deed of Mutual Covenants. Before we can sign the SPA, we had to pay the downpayment as well as the disbursement fee (to pay for documentations to the developer's lawyer).
- We proceeded to sign transfer of power document which basically means that as long as we have not fully paid our loan, the bank has the power over our house, including to sell it off in auction. This is done at the bank's attorney office. Oh, and the legal charges? Cost our arms and legs. We had to give the original copies of the S&P and the Deed to the bank's lawyer for the bank to proceed payment release.
- We went to Kepong to settle our MRTA (Mortgage Reducing Term Assurance) policy -- you are required to apply for MRTA when buying a house. This policy is to cover the repayment of outstanding loan in the event of death / disability / critical illness of the borrower. The older your age at the time of applying this policy, the more expensive it is. So buy your house while you're still young.
- Last but not least, we then made copies of our copy of S&P, the offer letter, IC and bank book, filled up EPF form and submitted all these to the EPF. People advised us that it is best to submit our EPF form at the their HQ in Jalan Raja Laut, as the withdrawal process is faster. We just have to wait...
It is also very important that we chase the appointed lawyers to submit or process several documents especially when the developer starts sending invoices for progressive payments. Oh, the hassles! All have to be done within 21 working days only or we have to pay 10% interest!
Please take note that you also need to have a bit of savings (more or less the amount needed for your wedding) before you actually decide to buy the house, to pay for downpayment and various fees the developer / bank charged along the way. Believe us, we are so broke now (tapi still ada hati nak pergi ke KK! Hahaha! That's called the power of credit card!) Again, climb Mount Kinabalu while you're still young & able! :p
Last Tuesday, we went shopping and bought a lot of vegetable because we love our greens. However, by Saturday, we were worried that the veggies won't last and had to come up with a dish that has a lot of vegetable as its ingredients.
So we prepared vegetable soup.
Suami Terchenta loves it so much that he has it for lunch, dinner and breakfast this morning (yup, that much vegetable stocked up in our freezer).
These are the ingredients in the vegetable soup recipe:
Vegetable & Chicken Balls Soup
Ingredients A - blend together:
Ingredient B:
- 4 red onions, 4 garlics
- A handful of anchovies (ikan bilis)
Ingredient B:
Sliced:
- Broccoli
- Cauliflowers
- Carrot
- Sweet peas
- Chillies
Quartered:
- Potato
- Tomato
Halved:
- Button mushrooms
Also add in:
- Chicken balls / meatballs
- 1 or 2 cubes of chicken stock
- A bit of cooking oil to sauté blended onions / anchovies
- Water
- Salt to taste
For garnishing:
- Fried onions
- Celery leaves
Step-by-step:
- Heat some oil, sauté ingredients A until fragrant.
- Add in 3 glasses of water.
- Add in chicken balls / meatballs and chicken stock
- Add ingredients B and cook until tender.
- Season with salt and pepper.
- Serve with garnishing.
Soup is great to when eaten with something fried, and we had a bit of potato left, so we sliced them up, toss with salt, turmeric powder and Kentucky flour, and fried them until golden brown.
Finally, our simple yet tasty lunch yesterday:
Finally, our simple yet tasty lunch yesterday:
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| Vegetable and Chicken Balls Soup (also great eaten on its own - diet-friendly dish) ;) |
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| Fried potato |
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| Let's tuck in! :D |
Helo!
Sudah lama saya tak membebel di sini.
Kerana.
Saya sebok jadi wanita korporat.
Yang terbang sana-sini.
Duduk di board meeting dengan muka serius.
Bagi instructions itu ini.
Wakakaka!
Pigidaa...Ayat yang last itu tidak benar. Saya masih kuli sejati. Belum ada kesempatan menggantikan Trump, Inc. Hoho. Walaupun saya sudah lama memasang impian. Jadi wanita korporat.
Flashback 4 tahun lepas. 2 orang sahabat poyo tengah berborak di Pejabat Fakulti.
Rahim Poyo: Satu hari nanti, saya akan jadi Naib Canselor. Awak kena panggil saya Professor ye.
Aku: Hek eleh... Satu hari nanti, saya akan jadi CEO kompeni yang terkemuka. Awak panggil saya, Yang Berbahagia Datuk Carneyz... Boleh praktis sekarang.
Rahim Poyo: Awak ingat profesor tak boleh dapat pangkat Datuk?
Aku: Ok, kalau awak jadi Datuk, saya akan up jadi Tan Sri. Amacam?
Rahim: Saya akan jadi Tun (nada bangga)Aku: .... (tak boleh berkata apa2 sebab dah tergelak mati) Poyo betul awak ni. Sudah la... tesis awak pun saya kena tolong proofread, ada hati nak jadi Tun.
Seronok betul jadi kanak-kanak hingusan sebab boleh pasang angan-angan tak hengat dunia.
4 tahun kemudian - baru saya tau. Sangat susah rupa-rupanya nak jadi seorang Datuk. Kena main politik, sogok sana sini, kipas orang itu ini, barulah boleh jadi Datuk.
Sebenarnya, banyak yang berlaku sejak kali terakhir saya membebel di sini.
#1: Big event itu sudah ditunda sehingga tarikh pilihanraya diumumkan! Kerana, Menteri Besar cuma akan menunjukkan muka merasmikan itu ini bila tarikh pilihanraya dikenalpasti. Barulah nampak imej bekerja keras. Huh. Peduli apa duit kami habis kerana terpaksa print semula kad jemputan, etc. Peduli apa saya dan assistant terpaksa balik pukul 3pagi demi membuat persiapan utk event ni. Saya sangat fed up dengan orang besar-besar ini. Kensel niat jadi orang besar!
#2: Saya dapat panggilan dari sebuah syarikat MNC tempatan. Mereka panggil saya utk datang interview peringkat kedua. Sebenarnya ini ialah kali kedua mereka panggil, tapi sebab saya terlampau sebok jadi wanita korporat, membuatkan saya terpaksa menolak kerana pada kedua-dua tarikh tersebut, saya berada di JB atas urusan kerja. Adakah saya bodoh? Hmm... Tapi, sgt tak tersangka walaupun dengan sombongnya saya mengatakan, 'I'm sorry, but I have to travel on those dates', mereka masih mahu atur pertemuan kali ketiga! Saya masih perlu advise mereka tarikh yang sesuai kerana sejak kebelakangan ini, urusan kerja sekarang semakin tak menentu.
Saya sebenarnya berbelah-bahagi. Sejak saya buat posting luahan perasaan, bos saya sudah berubah sikap. Saya syak-wasangka dia baca blog saya. Tapi saya tak peduli. Saya rasa gumbira lagi ada! Muahaha! Bila lagi Trump pulak yang akan baca blog saya? Trump pun sangat baik dengan saya sekarang. Lagipun, sekarang saya sudah masuk sebuah projek besar. Ini adalah sangat baik untuk pengalaman kerja saya. Mana tau satu hari nanti, saya boleh bukak kompeni perunding perniagaan. Sekurang-kurangnya saya boleh jadi CEO. Muahaha lagi! Dan, saya rasa dengan projek ini, ada kemungkinan sangat besar saya akan berjalan-jalan ke negara lain atas urusan kerja. Owh. Apa jadi dengan Suami Terchenta bila saya kena berjalan-jalan? Of course dia kena ikot sekali! Muahahaha! Harapan saya - saya mahu anak made in UK ✌🏻
Tapi... kompeni yg sedang usha saya ini ialah kompeni yg besar. Gaji juga besar. Ofis pun di KLCC. Ada gym di bawah. Saya boleh masuk gym dan menguruskan badan! Kalau sudah ada Little Carneyz, saya jugak tak boleh selalu balik lewat kerana urusan kerja. Jiwa saya sangat kacau bila fikir lama-lama :(
#3: CLK saya merajuk! Kali ini, memang sangat teruk. Semasa di atas CLK, kami berbual tentang hajat membeli motosikal baru. Dengan tiba-tiba, CLK mematikan diri. Walaupun saya sudah pujuk2, CLK tetap degil. CLK ku sayang...! Kamu sangat temperamental. Saya sudah tidak ada masa nak pujuk kamu. Kerana saya sudah ada chenta hati yang baru (iaitu Suami Terchenta). Dia tak kuat merajuk macam kamu. Dia boleh masak nasi, menyanyi dan teman saya tidur waktu malam. Hahaha! (tapi dalam hati saya sedey sebab saya sangat sayang CLK). Saya rasa, CLK cemburu bangat dengan Suami Terchenta.
#4: Siang tadi, saya call travel agent yang kami sign up dulu. Kami bayar RM300+ untuk membership tapi kami tak berpeluang guna perkhidmatan mereka. Saya kata, 'Tolong hantar quotation untuk pakej mendaki Gunung Kinabalu.' Saya fax kan request form. Tapi kamu tahu tak? Travel agent yang sengal tu hantar pakej 'Kota Kinabalu'! Saya sudah rasa hendak bertukar jadi Incredible Hulk. Tapi saya masih bersabar. Saya call lagi, 'Cik, saya nak EKSPEDISI GUNUNG KINABALU. Bukan pakej KOTA KINABALU. Tolong hantar sekali lagi.' Petang tadi, mereka hantar lagi. Sekali lagi, pakej KINABALU PARK pulak! SENGAL TAHAP CIPAN!!!
Saya nasihatkan kepada kamu semua di luar sana:
Kalau terjumpa booth yang promote keahlian MY EZY VACATION, kamu CEPAT2 LARI JAUH2. Jangan toleh ke belakang, dan tutup telinga daripada mendengar pembohongan2 mereka. Sudah la kami hendak tebus penginapan percuma pun banyak songeh ('Oh, kuota penginapan free kami tahun ni dah habis. Kena tunggu bulan depan baru boleh booking'), hantar quotation pun salah. Lagi satu, mereka kata boleh dapatkan tiket kapal terbang murah, lebih murah dari online. Tapi bila saya check, quotation mereka sebijik sama harga di website AirAsia! Tipah tertipu, bang!
#5: Saya rasa sudah cukup bebelan hari ini. Kamu semua boleh balik ke blog masing2.
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