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Coffee Break With Me

Hotel & Travel Reviews and Many More.

Friday, February 15, 2008

Happy Birthday, Sister!


My dearest sister turns 27 18 years old today. Happy Birthday, sister! My wish for you is to grow richer, wiser, happier, younger (at heart), more beautiful and successful in whatever you do :) Congratulations for being a proud houseowner recently, and spend as lavishly as you want to on that Nur Jannah this year. Next year, please don't forget to help us decorate our house pulak. Hehe.

My sister is actually just a year older than me, yet she had taken care of me since I was a baby. She helped Mom to hide me under the bed in case some kidnappers happen to pass by and saw a newborn baby left on the bed alone. Isn't she a smart toddler back then? In fact, she continues to be a smart girl until now. Otherwise, how could she land a high-powered job in a big company? I'm so proud of her!

Having a big sister is a blessing indeed. Yes, sometimes I ended up kena buli, but most of the time, I have someone to look up to when I am not sure of what I have to do. She became my testing ground, or a trial product. If she succeeded after doing A, then A is the established next-course-of-action for me. Most of the time, she made the correct decision because, in compensation for carrying the burden of being the eldest child, God gives all firstborns a certain Wisdom that none other of their siblings can comprehend. So, even until now, if in doubt or need guidance, I will always pick up the phone and call my sister to check what would she do if she was me.

Me: Eh sis, got job interview la tomorrow. What to do, ah?
Sis (wisely): Must always use big words like 'responsible', 'manage', 'team spirit'. Dress formal. Don't forget to sembahyang hajat.
Me: What will they ask me?
Sis (knowingly): Your contributions, how you manage challenges. Blablabla.. (siap give sample answers)

In short, she has the answers for almost everything except how to make asam pedas. Perhaps because she doesn't like asam pedas.

My big sister is also very protective of me. When I have work problems, I will tell her. Back then when I had love problems, I will tell her also. Then she will help to scold whoever made me angry / sad / hurt. Over the phone la. There was one time when Trump scolded me for something I did not understand, so as usual I called up my sister. My sister promptly said,

'Give the bloody phone to Trump. Let me scold him for asking stupid questions!'

My sister, very gung-ho you know! She seriously wanted to speak to Trump, no kidding! Tak padan kecik!


My sister in her gung-ho pose in the background!

When we were small, there was this one incident that showed her at her true strength as a sister. We were waiting for Dad to come and fetch us from school as our school was quite far. School hour ended at 12.30pm. We waited and waited, but no sign of Dad (who fell asleep when waiting for school to end!). I started to cry (I used to be a cry-baby and over-imaginative) because I was frightened that Dad doesn't love us anymore and our family has moved away, leaving us behind like the boy in 'Home Alone' movie. But my then 8-year old sister did not even shed a tear although she looked a bit worried. She put a hand on my shoulder, comforted me as best as she can and told me that we will walk back home. All that 10km or so distance, as long as it took us to get back home.
There we were, me crying (although had stopped bawling like a baby) and my sister holding my hand comfortingly as we braved the long journey along busy roads, open field etc. to get home. I remembered a few times cars stopped by and kind people asked why I was crying and offered to send us home. But we were told by Mom not to hitch ride from strangers, so we just shook our heads and continued to walk / cry (me). Half-way though, a car stopped by and it was Dad! Hooray! Dad with red eyes because he just woke up from sleep and got the shock of his life to find that we were no longer at school, waiting for him as usual!

After that, my sister became my hero. We were very close. We shared room, clothes, stories, and when I first fell in love with Suami Terchenta, my sister and I spent hours giggling over the phone about our crushes. When she first moved away to start her varsity years in Kuching, I felt like a part of me went MIA and for weeks after that, I couldn't wait for her to call home and tell about her classes and friends.


But the best thing about her is, she's not just my sister. She's our sister, me & my other siblings. She supports my other siblings' education and she pampers all of us unconditionally. We all love her in all her eccentricity, even though she sometimes scares us (because she's fierce! ROAR!) like we were 5-year-olds, or even amuses us (for her undying love to Sailormoon and friends).

She's also a sister to all her juniors who adore her, and very much share our sentiments (Kakak yang gaok ~ fierce!).

To my dearest sister, you're the best sister I could ask for. If there's one virtue I can give for your birthday present, that would be a Gemini's love charm to capture anyone's heart. So it's easier to charm you boss into approving your leave the next time I have to travel overseas.

I dedicate this poem to you, penned by a Kayla Fraser:
What A Sister Means

A sister is someone who leads you when you are having a problem.
A sister makes you laugh and cry.
A sister is someone who likes to fight with you.
A sister is the one who stands with you in all your ups and downs.
A sister makes you remember who you really are.
A sister is someone who is always there for you through all the laughter and tears.
A sister is real.
A sister never will pretend.
A sister is someone like you whom I treasure everyday in my heart.

Kayla Fraser


Happy Birthday, from your 'congek' sister.

p/s: To my other sister, Farah @ Dik Yah, I will pen a dedication to you next year. Because you are younger so I bully you, lah. Happy 17th (really) birthday too! :) I love both of you very much. Muahs!
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Sunday, February 10, 2008

Just to break the silence.

It's 2 am. I can't sleep. My husband has long ago bid adios and sail off to Slumberland.

I've been doing a bit of research on our end-of-month trip. Do the locals speak English? Do they have good public transport? Do we have to bring warm clothings? Is the hotel far from the city centre? Never mind the fact that I will be stuck in conference rooms for most of the time we are there. I need to know how the metro works and look up local language's pronunciations because I was informed that most of them no hablan Inglés.

Oh, yes. And I fret about the expenses too. Not mine, but his. My trip is fully-sponsored. His is not. God knows we have stretched our budget to beyond comfort level this month. I do hope that we will recover next month so we can pay off some of the expenses. I seriously have got to be serious about getting a job that pays higher salary.

Take a deep, slow breath. Think about the exciting part. We are going to do this and take the time to enjoy our first long trip together. Who knows that this will be the last year we have the opportunity to challenge the ordinary and live life to the fullest (and to our hearts' contents!) Because if I listen hard enough, I can already hear my biological clock starts ticking. Faintly.
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Monday, February 04, 2008

While Waiting In The Car...

We got so bored and we played with.... tissue paper:

"Meet the Princess of Persian..."

"Pirate of The Caribbean. Muahaha!"

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Monday, February 04, 2008

Sakit Perut...

- 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!

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Tuesday, January 29, 2008

The Whole Housebuying Process...

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:

  1. 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)
  2. 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:

  1. 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!)
  2. Surveyed housing loan packages offered (usually you can find bank loan brochures at the show unit) and picked one.
  3. 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)
  4. Upon loan approval, we had to sign a few copies of letter of offer from the bank.
  5. 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).
  6. 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.
  7. 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.
  8. 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
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Just Call Me Carneyz | From Sarawak and Staying in Kuala Lumpur | Lifestyle Blogger | Traveller Blogger | Mom of Two Lovely 'K' | Blogger since March 2004

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