To all Workers as well as Kate and Will

Hepi Workers day to all the people who are working....
Dont forget to thank Allah every second and minute for still giving you the opportunity to live, to work and to earn money for your family and yourself
Spend your money wisely
Appreciate every single cent out of it
Buy something good for your family and kids
Make them hepi
Buy something that halal and delicious
Because.......the smile and thankful from them are PRICELESS

Pls enjoy yourself on 1s of May eventhough you have to go to work but still be hepi that you still have a job :)

KITCHEN AIDS..............

Salam to All Muslim and Good Day to Non Muslim

Kitchen aids or Kitchen aid?
Hehehehe you can call it as aids as well because in Malaysia the price is in the range of rm1500 to rm2500.
What the hxxx! that's not including the shipment la and what so ever, just for the 27 pound mixer price only.
Other alternate brand is Kenwood, but the truth is, it doesn't cheap at all. The cheapest I did survey is around rm1100. Yaa you can buy Pensonic handmixer which cost around rm53 where the second time you turn it on, you can see some smoke coming out hahaha......not to show that the mixer is bad but the brand itself prove that they sold very2 cheap product with very2 low quality. So what do you expect from it.

So what is the news related to this Kitchenaid to me? well well I just bought it and I am dying of waiting when I can get this tool. I had dreaming of it since I saw Nigella Lawson using this amazing gadget to bake her cake, meringue and what so ever with this gadget.

So dont be so jealous of me hehehe....I bought this amazing gadget with the cost of 179.90USD.....
Jeles aaaaa if you convert it to RM teng teng teng teng : it's only cost around RM600.

oh my whity, pls come to mama faster

Much much more cheaper than you can thought it would be. But the good price come with additional responsible which I must always used the special plug due to it is coming from US and the power here is different from their electrical stuff. But hey who cares, if you can get item that cost u like 1/3 or 1/4 from price in msia I think it is worth it to buy and the extra responsibility will always be the 1st priority in my live hahaha....With this, I hope I can try my macaron resepi soon. Dying to taste the thing but here in north site, it is quite difficult to get people who made and sold it. I think due to it's ingredient and price, that cause people to think twice whether it is worth to made and sell it. Also dying to try my tart resepi (just completed my tart class last Sunday, and my in laws told me that my tart's taste diliciious....) cant wait to do it again and let's my mom to taste it. It is very simple resepi, no rolling, no bean baking (a method to bake the tart skin) but I think the purpose of bean baking method is to get the thin and crispy tart skin - if your dont used this method your tart skin will expand because of the egg used in the batter, but in my class the teacher just press and press  and press and after that bake......very the simple. Also my plan is to re-try the blueberry cheese tart, to try choclate cheese tart and lemony tart for my cikonet besday party (coming soon) hehehehe......ciao

PREMIUM BEAUTIFUL - SO BEAUTIFUL

PREMIUM BEAUTIFUL FOUNDATION LINGERIE 

Creating a perfect contour and well-balanced posture. 

Ensure that you can achieve immediate desirable results safely without medication and operation.

Materials used to manufacture Premium Beautiful:

• Cut based on the body's three-dimensional design using stereoscopic infrared rays for absolute presicion and delicacy. It helps blood circulation and metabolism creating complete synergy with the human body.
  
• Excellent in absorbing sweat and allowing air circulation. It can be washed with ease while retaining its durability over time.
  
• Can be stretched in all directions, its 360 degree elasticity fully accommodates the body's activity without losing any of the original shape.
  
• The infrared rays help improve the elasticity and firmness of the breasts while promoting their development.

CALL/SMS ME ......... :) 

METHOD TO REDUCE YOUR HOUSE LOAN

    Nowadays, house loan is the biggest concern for all Malaysia, correct? but no matter what or     how, we still need to buy a house (or more). Why? cause rent is the biggest wasting of money     that most people not aware too.

    yaa....it is a common things to hear, my money is not enough to but a house, to tell you the            truth money is never enough for human as long as they still alive and the neuron things still             moving in their head. 

So would like to share some tips on how to reduce installments. 

You don't have to pay extra installment. What you need to do is to refinance your home loan at the right time, and as frequent as possible.

The situation change from time to time. Example when taking up a mortgage in 2003, the banks offer very low interest rate during the first year of my mortgage. Then the second year interest rate is at BLR minus a margin (e.g. BLR - 2%). Then BLR plus a margin on the subsequent years.

At that time, the lock in period is 3-5 years depending on the different type of package you took up. If you settle the loan earlier and within the 3-5 years lock-in period, you will need to pay a 2-3% penalty.

So the trick is to refinance the mortgage when the period period is over, just to take advantage of the extremely low first year interest rate. Do not dare to try to pay on the penalty.  It is stupid to do that.

But nowadays, the situation is quite different. Most banks don't provide fixed-rate home loan anymore because they foresee that the BLR will be increased in the near future when the economy starts to boom again. However, banks still offer very attractive interest rate at BLR - 2.3 last year (2009). I can say Islamic  loan is the  best solution right now. No penalty and but you need to do some survey in order to find the right one. Dont  feel lazy to  send your application to multiple bank  eventhough you have money to pay the extra's

If you have taken up a housing loan during before 2006, it is a good chance that you will be able to get a better offer nowadays although starting 2010, Bank Negara had fixed the bank offer at BLR-1.8 to soften the competition.

What you need to do is:

FIRST - write in to your bank to ask for reduced interest rate.

Instead of paying BLR plus... get them to offer you BLR minus...

SECOND - at the same time, apply to refinance with another two banks.

Then show the offer letter from each bank to their competitors.

BUT NEVER EVER TO USE YOUR EPF MONEY TO PAY YOUR HOUSE MONTHLY PAYMENT.  You are wasting your money , eventhough your answer  is I can saved my money and put it to ASB. Common.....yup you can saved your money but EPF is still your money maaa....at least take some time to do simple calculation before you make such an idiot decision.  

For me , planning  and budgeting is the best thing that you need to do before you make any decision. Regardless what people think of your decision  (eventhough you need to pay komisen to the house developer clerk) but as long you can get a chearper house price  (+ the komisen) you still gain something. in order for you to gain something of course you need to loose something. It is a balance thing in our life. but pls make sure gain is more than to loose. Ciao

AF9 VS MENTOR

Salam Everybody

Few comments from me as a viewer

AF9 - I do like AF, but the level to watch the show getting less....so for AF9 - level is 9-9 = zero. Why?? Pls do take your time on this coming saturday and watch it. The most terrible, worst, immature, blank minded singer I ever seen through out the 8 AF so far. I am so disappointed, feel stupid to watch it and still cannot find the similar word to describe how worst the show are. ASTRO propaganda that they will search the best talent but none of them will going to make through the industry. For example Shahir, the only thing that he had for malaysian to stilll watch him in the TV is his face, but the discipline is worst. The show is getting worst year by year and thankful that some one in the ASTRO group still know how to think to shut it down next year.

Compared to Mentor, all the student are more talented but of course you cannot compare it with CT, Yuna or other professional singer but at least they sing alot MORE and MORE better than AF student. And their 'perangai' also not that childish or over react (nice words for gedikssss) at least.

Ok Back to PremiUM Beautiful.....if you and your colleagues or friend really really interested to buy but money is the 1st enemy to you, pls we can have a nice chat and I can advise you how....:), I will guide you, dont worry.....If you know me better, you know you can trust me..................ciao

French Macaron and Tart - So deliciouses!! + Premium Beautiful

Salam Everybody.....

Sound temptation right......WAIT....COMING SOON.

More on Premium Beautiful - for those who are interested to but and got a lots of friends interested as well I have 1 great idea to share.............jeng jeng jeng................KUTU.

What KUTU, how to play?

My recommendation :
1. Play with your trusted, closed, easy pay person
2. Small group pls > 5, < 10

I'll be happy to give the advise on how and what but not as a leader k....a special price will be given to the group. Interested???? Well well email/sms me k.

Ciao.

JERSEY - NICE WOOO

Very the nice !!!!!!!!!

VIENNA FOOTBALL SOCCER JERSEY

Size : S and L 

Interested? SMS me k

Pre order only.