M Vertica Cheras By Mah Sing

I didn't know what was I thinking before I sign-up to buy this property... But based on the location, accessibility, future potential benefit... I believed that I had make a good decision …..

Building Replica

Futuristic Picture 

Looks amazing isn't it.... for detail explaination… can refer to Mah Sing's website..
M Vertica Mah Sing

Here are some features that amaze me more.... 

My recent visit to the showroom (back in April), without thinking too much, I decided to get one unit at Block A which come with 2 unit or parallel parking lot.

Signing of Booking Form

Overall financial commitment committed for this property are as below:

Original Price	850sqft	RM647,800.00
Rebate	5%	-RM32,390.00
		RM615,410.00
SPA rebate	3%	18,462.30
Property Fair	3%	18,462.30
Package Rebate	3%	18,462.30
Cash Back	4%	24,616.40
	87%	RM535,406.70
Price per sqft		762.12
Price per sqft (After rebate)		629.89

Look expensive... but we'll see... either this was a wise or bad decision... and,,I also saved some money for the legal/ loan/ stamp duty due to the promotion and government initiatives which is HOC 2019

for further info...please visit …  Property Guru HOC 2019

Based on discussion and threads from popular forum/ sites etc.... its seems 50-50.. but for me... I'm satisfied with it for Investment purposes.. :)

https://forum.lowyat.net/topic/4292888/+40?hl=M%20vertica
https://www.propsocial.my/property/8587/malay/cheras/m-vertica
https://www.bharian.com.my/bisnes/hartanah/2017/12/365716/gdv-jualan-belum-dibil-mah-sing-cecah-rm283-bilion
https://www.bisnessinar.com/mah-sing-tawar-insentif-duti-setem-serta-merta/

Very good info for the SPM /School leavers

Very good info for the SPM /School leavers...
‍‌‌‌‌‍‍‍‌‌‌‌‌‌
‌‌
‍‌‌‌‌‍‍‍‌‍‌🔴‌‌ Laman UTAMA UPU
‍‌‌‌‌‍‍‌‌‌👉‌‌ http://upu.moe.gov.my



‍‌‌‌‌‍‍‍‌‍‌🔴‌‌ Borang UPU Online
‍‌‌‌‌‍‍‌‌‌👉 https://online.mohe.gov.my/upu/onlineupu_2015


‍‌‌‌‌‍‍‍‌‍‌🔴‌‌ Portal RASMI Kementerian Pendidikan Malaysia (Jabatan Pendidikan Tinggi)
‍‌‌‌‌‍‍‌‌‌👉‌‌ http://upu.moe.gov.my/web



‍‌‌‌‌‍‍‍‌‍‌🔴‌‌ Facebook RASMI berkaitan UPU
‍‌‌‌‌‍‍‌‌‌👉‌‌ https://www.facebook.com/pages/Kemasukan-BPKP-JPT-FB-rasmi-UPU/646433295426674



‍‌‌‌‌‍‍‍‌‍‌🔴‌‌ Laman RASMI POLITEKNIK
‍‌‌‌‌‍‍‌‌‌👉‌‌ http://www.politeknik.edu.my



‍‌‌‌‌‍‍‍‌‍‌🔴‌‌ ePanduan kemasukkan lain-lain agensi
‍‌‌‌‌‍‍‌‌‌👉‌‌ https://online.moe.gov.my/upu/vteilka/fepanduan



‍‌‌‌‌‍‍‍‌‍‌🔴‌‌ Borang Online kemasukkan ke IKBN
‍‌‌‌‌‍‍‌‌‌👉‌‌ http://eikbn.gov.my/sistemonlineikbn/page1.php



‍‌‌‌‌‍‍‍‌‍‌🔴‌‌ Senarai IKBN
‍‌‌‌‌‍‍‌‌‌👉‌‌ http://www.kbs.gov.my/index.php/my/2014-02-27-08-44-57/portal-rasmi-iktbn-ikbn



‍‌‌‌‌‍‍‍‌‍‌🔴‌‌ Permohonan ke Jabatan Tenaga Manusia
‍‌‌‌‌‍‍‌‌‌👉‌‌ http://www.kbs.gov.my/index.php/my/2014-02-27-08-44-57/portal-rasmi-iktbn-ikbn



‍‌‌‌‌‍‍‍‌‍‌🔴‌‌ Info permohonan CIAST
‍‌‌‌‌‍‍‌‌‌👉‌‌ http://www.ciast.gov.my/v3/index.php/perkhidmatan/orang-awam-pelajar



‍‌‌‌‌‍‍‍‌‍‌🔴‌‌ Borang online CIAST
‍‌‌‌‌‍‍‌‌‌👉‌‌ http://aplikasi.ciast.gov.my/vto/daftarmasuk.php?sesi::2015//



‍‌‌‌‌‍‍‍‌‍‌🔴‌‌ Panduan kemasukkan KOLEJ KOMUNITI
‍‌‌‌‌‍‍‌‌‌👉‌‌ http://www.jpkk.edu.my/jpkk/index.php/bahan-media/makluman/569-buku-panduan-kemasukan-pelajar-baharu-2015.html



‍‌‌‌‌‍‍‍‌‍‌🔴‌‌ Borang Online ke KOLEJ KOMUNITI
‍‌‌‌‌‍‍‌‌‌👉‌‌ http://online.jpkk.edu.my/eborangkk/default_xie.asp



‍‌‌‌‌‍‍‍‌‍‌🔴‌‌ Info program latihan Kementerian Pertanian
‍‌‌‌‌‍‍‌‌‌👉‌‌ http://www.moa.gov.my/program-latihan-kemahiran-pertanian-kebangsaan



‍‌‌‌‌‍‍‍‌‍‌🔴‌‌ Info MARA
‍‌‌‌‌‍‍‌‌‌👉‌‌ http://www.ekemahiran.edu.my



‍‌‌‌‌‍‍‍‌‍‌🔴‌‌ Borang ONLINE MARA
‍‌‌‌‌‍‍‌‌‌👉‌‌ http://apponline.mara.gov.my/spupim



‍‌‌‌‌‍‍‍‌‍‌🔴‌‌ Info latihan SEPARA PERUBATAN KKM
‍‌‌‌‌‍‍‌‌‌👉‌‌ http://www.spa.gov.my/Portal/Deskripsi_Tugas/LatihanSeparaPerubatan



‍‌‌‌‌‍‍‍‌‍‌🔴‌‌ Borang online latihan SEPARA PERUBATAN KKM
‍‌‌‌‌‍‍‌‌‌👉‌‌ http://putra6.spa.gov.my/spa8new/login.jsp





‍‌‌‌‌‍‍‍‌‌‌‌➖‌‌‍‌‌‌‌‍‍‍‌‌‌‌➖‌‌‍‌‌‌‌‍‍‍‌‌‌‌➖‌‌‍‌‌‌‌‍‍‍‌‌‌‌➖‌‌‍‌‌‌‌‍‍‍‌‌‌‌➖‌‌‍‌‌‌‌‍‍‍‌‌‌‌➖‌‌‍‌‌‌‌‍‍‍‌‌‌‌➖‌‌
SENARAI UNIVERSITI AWAM
‍‌‌‌‌‍‍‍‌‌‌‌➖‌‌‍‌‌‌‌‍‍‍‌‌‌‌➖‌‌‍‌‌‌‌‍‍‍‌‌‌‌➖‌‌‍‌‌‌‌‍‍‍‌‌‌‌➖‌‌‍‌‌‌‌‍‍‍‌‌‌‌➖‌‌‍‌‌‌‌‍‍‍‌‌‌‌➖‌‌‍‌‌‌‌‍‍‍‌‌‌‌➖‌‌

‍‌‌‌‌‍‍‌‌🔵‌‌UNISZA = https://www.unisza.edu.my
‍‌‌‌‌‍‍‌‌🔵‌‌UMK = www.umk.edu.my
‍‌‌‌‌‍‍‌‌🔵‌‌.. UNIMAS = http://www.unimas.my
‍‌‌‌‌‍‍‌‌🔵‌‌.. USM = http://www.usm.my
‍‌‌‌‌‍‍‌‌🔵‌‌.. UIAM = http://www.iium.edu.my
‍‌‌‌‌‍‍‌‌🔵‌‌.. UMP = http://www.ump.edu.my
‍‌‌‌‌‍‍‌‌🔵‌‌.. UPM = http://www.upm.my
‍‌‌‌‌‍‍‌‌🔵‌‌.. UTEM = http://www.utem.edu.my
‍‌‌‌‌‍‍‌‌🔵‌‌.. UITM = http://www.uitm.edu.my
‍‌‌‌‌‍‍‌‌🔵‌‌.. UMS = http://www.ums.edu.my
‍‌‌‌‌‍‍‌‌🔵‌‌.. UPNM = http://www.upnm.edu.my
‍‌‌‌‌‍‍‌‌🔵‌‌.. UTHM = http://www.uthm.edu.my
‍‌‌‌‌‍‍‌‌🔵‌‌.. UKM = http://www.ukm.my
‍‌‌‌‌‍‍‌‌🔵‌‌.. UMT = http://www.umt.edu.my
‍‌‌‌‌‍‍‌‌🔵‌‌.. UPSI = http://www.upsi.edu.my
‍‌‌‌‌‍‍‌‌🔵‌‌.. UTM = http://www.utm.my
‍‌‌‌‌‍‍‌‌🔵‌‌.. UM = http://www.um.edu.my
‌‌‌‌‍‍‌‌🔵‌‌.. UNIMAP = http://www.unimap.edu.my
‍‌‌‌‌‍‍‌‌🔵‌‌.. USIM = http://www.usim.edu.my
‍‌‌‌‌‍‍‌‌🔵‌‌.. UUM = http://www.uum.edu.my
‍‌‌‌‌‍‍‍‌‍‌🔴‌‌ MMU = www.mmu.edu.my
‍‌‌‌‌‍‍‍‌‍‌🔴‌‌ OUM = www.oum.edu.my



‍‌‌‌‌‍‍‌‌‌‌✔‌‌ KURSUS PANTAS = http://www.islam.gov.my/en/node/46735


‍‌‌‌‌‍‌‍‌🔶‌‌ semak akriditasi/pengiktirafan kursus
: kod MQA/FA XXXX
A XXXX

semak www.mqa.gov.my



Selamat maju jaya


Credit to www.iklan-video.com

Furnished Apartment For Rent: Kota Kinabalu UUC Phase 1, 1st Floor, Blok M-1xx For Rent

This is the mudah advertisement done by someone whose very close to me.. My ex-Gf and upgraded to partner of My Life.

Technology makes things very easy which took less than a day since she published this advertisement, lots of calls/whataspps came in to enquire about this unit.

If everythings goes smooth, this is going to be out second property to produce outcome and it's a good sign for our financial planning.


For those interested, can view more on this advertisement.

http://www.mudah.my/UUC+Phase+1+1st+Floor+Blok+M+1-38205025.htm


If you want to know more about this apartment and what they offered you, can browse the developers website.

Please Click Link Below

http://www.thewgroup.com.my/v2/property/uuc.php

ASB Dividend - I Wonder Why Not Many Know How It Computed. Here Is How...

Every early January, ASB office / post office / participated bank (MBB / CIMB & RHB) will be pack with people/ investors. It just simply because of DIVIDEND or what my fellow villagers say 'BUNGA'. I sometimes don't want to miss that 'hectic' queing and waiting to make sure it was printed down in my ASB book.

Ok back to my original attention to write this blog. Back in 2006, I came to read all the details of my 2005 ASB statement from top to bottom and from front to back. Then one of the sentences attract my attention which explains about how the dividend are computed. It explained like this:

                                     Monthly Lowest Account Balance (Jan - Dec)   x  Dividend Rate

                                                              12 Month

After realizing that, I quickly open excel spreadsheet, grab my ASB book and start to work on that formula. Then the result of my spreadsheet calculation are as per Dividend income printed in my ASB book. Lucky that time my ASB balance not that much it took me very quick to get that computation. With that it answers my thought which all the while was wrong. All the while I thought if I put a large sum of money on the end of the year (particulary December because bonus and extra money sometimes come here) and I can earn 'high' dividend. I also made my own perception that to earn more dividend, timing and volume are very important. But of course with my monthly earning, to get a large volume would be a bit hard. But timing is something that I can control. 

With that new knowledge I had share to few of my friend which has the same false thought as me. I still remember, my friend Mr AA. After showed him what I found and discuss with him about this 'volume and timing', he took my advise to get the volume. He sacrifice his own ASB and dump all his money to his wife ASB's. With that he can get his volume especially in long term. About the timing, I suggest to him to add investment in month end (ie 30th or 31st each month[working day]) so that it will be captured the first day of next month. For a case he need a money and want to withdraw that investment, he has to make sure to withdraw after it been there for a month. This will really effect if the amount deposited or withdrawn are huge. Imagine if he has extra money of RM50,000 in February which get could from somewhere (loan  etc) and need that to pay to something. Put that RM50,000 for at least a month in ASB and the very first day of the following month quickly withdraw (if urgent) and pay for that something. Imagine how much can get if at least can hold for a longer period.      

Here are the examples;

1. For at least 1 mth 

2. 2 month..

On how to tackle this volume and timing, maybe can consider to look on ASB Loan. 'ASB Loan' has become very attractive package because it covers our Timing & Volume at the same time. It's called lump sump investment. We just need to pay additional interest monthly but in a long term it still profitable I guess. Usually banks personnel will use this as their selling point.

This story actually happened long time ago where I still don't have my blog. The main reason why I wanted to write is yesterday when chit-chatting with my college where our topic was about ASB investment, to my surprise they didn't know this fact. And all the while they thought is as what I thought back in 2005. I assume they won't bother much about ASB dividend as long as that amount get printed in ASB book every year.     

As I wrote this, I believe many people already wrote about this topic. Some give examples of many scenarios and some even attached Dividend Calculators. Here a few blog that I found which is very helpful and informative. A big applause to all of them. 

http://invest-made-easy.blogspot.com/2013/11/how-amanah-saham-bumiputera-asb_28.html

http://eimiza.net/blog/form2.php

http://www.nadlique.com/index.php/2007/12/calculating-asb-dividends-bonus/

and a lot more in uncle Google database. 

Pangsapuri Melor Seksyen 5 Bangi (Part 2)

Recently went to visit my apartment at Section 5 Bangi... What a surprise it has been almost completed compared to the scheduled completion which in early 2015. We had a chat with one of the Indonesian workers there and found out that now they are now doing repair on each units and some minor works to do.

From my observation, most of the things are already there just a few components are still in progress such as lift, parking lots, electricity etc... I just found out an advertisement on mudah.com that by Feb 2014 it is ready to moved in. Here a few photos that I took during my visit on 16/12/2013.

 Entrance - equipped with OKU pathway

Front View

 



Lift - Still under construction

 



 

Shop & Laundry to be / Mailbox area

 

Corridor

 

Grill Door

 

View from window (1)

 View from window (2)



 Kitchen area - will be renovated later

 

 



Master Bedroom -nice view

Balcony- small but enough space for washing machine and clothes hangouts. It also has been installed with grill.

 

 

 

Overall I'm quite satisfied with the progress and the layout of the apartment. Can't wait for renovate and decorate this aprtment before fit to be rented. xoxo

Pangsapuri Melor Seksyen 5 Bangi

Earlier this year, while busy arranging my new house at Kin**t, my friends recommends me to bought this new apartment at Bangi. Its called Pangsapuri Melor Located at Seksyen 5 Bangi. Selangor. One thing this property came to my attention is because it only priced RM112K for a 3B2bath (approx. 700sqft).

 

After the price suited my current financial ability, my next step is to do some research. As for me which far far away from Bangi, my definite source are from some local and famous property bloggers. Here a the link for all those blogs which put their reviews and sharing about this property.

http://www.propertywaltz.com/2012/05/kontroversi-booking-pangsapuri-melor.html
http://syahproperty.blogspot.com/2012/08/pangsapuri-melor-sec-5-bandar-baru-bangi.html
http://www.matjoe.com/2012/08/pangsapuri-melor-bangi.html
http://nurynsophea.blogspot.com/2012/04/pangsapuri-melor-bangi.html
http://first-step-property.blogspot.com/2012/05/review-pangsapuri-melor-sek-5-bangi.html
http://zamjoe.blogspot.com/2012/04/pangsapuri-melor-seksyen-5-bangi.html

Feeling satisfied with all the information I had plus info from my friend who had bought it, I decided to buy 1 unit of this property. I've contacted the developer to enquire whether any units left as from what I read from the blogs, it weren't easy to get as it got long queue. CT who entertained my calls gave me basic info on this property and one things make me feel no hope of getting this property is there's about 200+ people queuing for all the lots available. So hoping for the best, I'd joined the que.

 

One week later, CT called me and tell me that whether I still interested on this property. Without any second thought, I confirmed my interest. CT informed me that I got 2 units to choose which is on level 7 or level 9. So I choose level 7 which I think a lucky number for me.

 

So the necessary payment * has been made and all the paperwork completed which took about 5 month to complete all the paperwork, dealing with developer, lawyer, banks etc... here's comes my 2nd long-term obligation after my first house at Sabah.

 

90% Property Price	RM100,800.00
MRTT	RM    2,522.00
Total Financing	RM 103,322.00
Monthly Installment	RM      601.56
Loan Tenure :	25 years ( 300 months)

 

* here are the necessary payment that I made throughout the process;

DETAILS		AMOUNT	AMOUNT
10% Downpayment	Property	RM 6,200.00
	Renovation	RM 1,500.00	RM   7,700.00
S&P Agreement	Stamp Duty	RM 1,240.00
	Lawyer	RM    149.20	RM  1,400.00
Loan Agreement	Stamp Duty	RM    520.00
	Lawyer	RM 1,680.00	RM  2,200.00
Others	Courier, call, etc		RM     100.00
			RM 11,400.00

 

For a property cost RM112K, we need to prepare about 10% of its amount. Imagine if property cost 300k or 400k, how much initial capital we have to prepare.??

For those property experts and experienced home buyer, I bet they have a very clever way on settling the initial capital.  

Ooh! here's a thing that's excites me most while browsing at Mudah.com,   http://www.mudah.my/Apartment+Melor+Sek+5+Tambahan+Bandar+Baru+Bangi-23124013.htm.
To double check, i'll try to browse for another at Google and I found this; http://christyloh.iagent.my/default.aspx?p=ShowListing&pid=2156365

From 112K to 200K++?? The property not even completed yet and the price already doubled?? The positive side, I already gain here but on the negative side, it's become expensive to own a property now. Hmm....

xoxo.


   

 

Its been a long time I hadn't post..

Owh my.. It's been a long time since i posted my last blog back in 2012.. Either been busy with work, families & etc... But seriuosly i was damn busy for my new house at KK... Travelling to & for Myy-KK either by flight or car has been fulfilling my weekend activity. But no regrets, it's to make sure my house was in good condition and renovated to the best effort. Since this was my new house, I & my wife were super excited to make our first house as our dream home. Ahah... Not to mention how much had we spent just for this matter. Almost 3/4 of my life saving. Throughout this process I've learned a few very important lesson as a first time house owner such as renovation matter and dealing with developer.

that's the result. Not 100% from what we imagined but well..things are done.. just live with it. Our next project is to fill our house up with furniture and fittings.

xoxo

Bajet 2013 - What will I benefit from it

Well, amongst the anticipated event every year has taken place today. Our PM's had presented his budget speech which I believe being watched/listened/followed by the whole Malaysian's. I would say a lot's of good stuff provided for wide range of people. BR1M, reduce of tax, higher tax relief etc..etc..For certain business sector, they also will enjoy much incentives. (Tourism, agriculture, O&G). Certainly I hope the total RM249.7 bil would be used wisely and not benefited only for certain people only. 

As a Malaysian (tax paying citizens), I want to look and see what those are things that I would expect to directly benefited from it. 

Bajet Incentives	What I will benefit from it
50 percent off passport fees for senior citizens starting Jan 2013	This is good, I can sponsor my Mom passports at half price. So, I can bring my mom's holiday abroad.
Additional 150 staff for Malaysian Anti-Corruption Commission (MACC)	Hmm, let's me think if any of my family member's suited for this position.
RM200 rebate for smart phone purchase for those aged 21 to 30 years.	Maybe I can take this opportunity to reward my neice/ nephew with new SP. This would motivate them to perform better in their study.
First home scheme – income cap raised from RM3,000 to RM5,000. Join income limit is RM10,000. Applies only for houses below RM400,000	Aiyah!!.. this one too late to come. Should enhance for 2nd house for me to entitle it.
Real property gains tax (RPGT) for properties sold within two years of purchase raised to 15%;  2-5 years 10%. No RPGT for properties sold five years after purchase	Hopefully it will control and reduce house price, It really a heartbreaks when RPGT was abolished few yrs ago where the property prices hike's like hell.
Original buyers of abandoned projects will be exempted from stamp duty for loan refinancing or ownership transfer agreements	Am I one of the victim of 'abandoned projects'. ?? Need to get a further info on this. It can saved me up to 6k for stamp duty if this can be applied to me.
Bantuan Rakyat 1Malaysia (BR1M 2.0) RM500 cash for households with combined income of RM3,000 or less RM250 cash for unmarried individuals who are 21 and above and earning RM2,000 and below	"BR1M 2.0" what a nice tag and I'm sure my family, relatives, village-mate etc would like it. I can see my HP will be   busy again next year when they want me to check their status. My mom, grandma, sis and bro sure can get this and my niece/ nephew too..
Sugar prices to increase as a result of subsidy cuts by RM0.20. New prices are RM2.50 per kilo for Peninsular Malaysia and RM2.60 per kilo for Sabah and Sarawak.	OMG!!. As usual one thing can lead to another. Increase in 20cents of sugar, all the things related to sugar will increase.   The 'greedy' tokey will use this as an excuse to increase price. You name it, teh tarik / bread/ cake / sweets? F&B.. Aiyah.. maybe the bright side is my chance to get diabetics is lower.
1% tax reduction for those with a taxable income of RM2,500 to RM50,000	Let see whether this year I still fall under this group. Last year I'm at this tax bracket. This year I don't think so.
One-off payment of RM100 for each primary and secondary school student	Surely my 'orang kampung' will delighted about this. Hopefully they use it wisely..
20% discount for National Higher Education Fund (PTPTN) loans for those who pay off the entire amount outstanding (valid until Sept 30, 2013)	As my study not  financed by PTPTN, I cannot enjoyed this. But, definitely my wife should benefited from this. So dear wifey, lets plan our finance.
10% discount for PTPTN loan repayment for those who pay consistently
One and a half month bonus, disbursed in three months.	Congrats to my family/relatives/fren who enjoyed it. Use the money wisely ok. Hopefully our HQ will fight for more this year.
RM25,000 for free mammogram examination for women, aged 40 and above.	My mom's :)
Bajet Impact on market.	Share market will increase. Hopefully my penny stocks will go up next week. Just now from TV show, the experts hinted that telco's & consumer related products will increase. Stay away from property  developer he say. hehe

And the rest, I will benefited from it direct or indirectly later. So, let's see what it will effect the coming for GE. 

Buying a house - buy before its too late..

In the first quarter of 2009 (property bubble era @ KK, Sabah), I had taken a big step to getting in one of the biggest commitment for a 'makan gaji' fella like me. That commitment was to buy a new house. My fiancee (now wife) also urging me to buy a house to show to my in-laws that I'm ready to be a leader in a family.

After a several visits to developer's office and show house, we had decided to buy a double-storey-intermediate house at Kinarut. 1270 sqft for RM255,000 (RM200psf) considerably a bit expensive for that type of house at that time.

But I wish I had better choice considering my loan eligibility and my financial situation for once i had to serve the monthly payment later. There a few 'good' choices of house but I had to top up with my own money which is out of my ability. Topping up RM60K-80K is very burdening and even I have that money, I need it for my wedding which scheduled on the 3rd quarter of the year.

Serve me right (padan muka) for me because took so long to decide buying a house. I was so worried that I don't have enough money to fulfill my monthly needs. I wonder how big and nice house I can buy with the price of the house I'm buying. My friend who bought a house a house a year early enjoy a cheaper house with bigger sqft and promising area. Till now, I am so jealous of him and at the same time admiring his brave effort.

So, for those young working ladies and gentlemen who is in the category of capable to buy a house, do not wait to long to buy a house. Time won't wait for you and bare in mind that property price is keep increasing no matter how the economic situation. Do not worry about your monthly commitment for at least the next 18 months because the loan repayment will only started at least after 18 mths from the purchase date. And 1 important fact that I missed that time is that every year my salary will get increment. SO by that time I served the monthly payment, it wouldn't burdening me much. Recently one of my friend informed me that he bought same type of house at the same area which cost him around RM300K++... I believe he would be as regret as me for not taking the opportunity earlier.

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