Assalamualaikum



Macam semua orang tau.. Rambut adalah mahkota wanita. Aku pun antara salah seorang yang sangat2 mementingkan penjagaan rambut ni.



Ya kalau dulu aku suka rambut aku yang tebal and panjang ni. Tapi bila umoq dah meningkat ni mula la rambut gugur la.. Beruban la.. Paling teruk kalau bercabang... NO NO NO...

Paling aku stress bila tengok lantai rumah banyak gila dengan rambut. Erghhhhh tak boleh akuuu... Paling drastic keputusan aku buat tahun ni adalah potong rambut aku...

Hai semua...

Ada peminat ikan keli dak dekat sini? Kalau ada.. Meh sini high five sikit. Sedap kan.. Buat la goreng garing ka.. Bakar ka.. Masak berlado ka.. Masak lemak ka.. Gulai ka.. Fuhhhh semua sedappp Ya Allah



Part makan memang suka.. Tapi part nak bersiang, nak hilangkan Lendir and hanyir dia tu aduhhh leceh betul kan... Haihhhhh

Sebenaqnya ada banyak gila tips nak buang lendiaq n hanyiaq ikan keli ni. Tapi bagi aku ni la yang paling berkenan gila2. Berkesan dan senang gila.

Tapi cara ni hampa kena plan la skit meal hampa. Contoh bila hampa beli ikan keli ni, bukan terus nak masak la2 tu jugak. Sebab cara aku ni berkesan kalau hampa guna untuk masak keesokkan hari nya.

Cara dia mudah ja. Lepas ja hampa beli tak payah Cuci2.. Terus bawak masuk dalam peti ice kat bahagia beku tu.

Haiiii guys....
Kali ni nak share skit travel tips bila travel dengan kids. Macam kami personally kalau travel memang angkut sekali anak-anak kami sebab kami takdak maid nak tinggai kan. Tak fair jugak kalau kami nak tinggaikan anak-anak kami yang stil kecik and tak boleh nak uruskan diri depa sendiri kat mak kami kan.

Kesian mak kami, bagi la maktok rest kan. But it doesn't give a right for me to critic those don't bring their kids while they're travelling. Well, kami kalau ada maid maybe kami pun nak jugak travel berdua dengan laki kami but at the tine being...angkut ja lah..mana tau nanti depa dah masuk duk hostel ka..time tu kami berjalan la berdua dengan laki kami pulak kan. So cut it short kita cerita la apa yang nak kena hangkut kalau travel dengan anak-anak ni kan.

Jom tengok barang-barang apa yang wajib kita bawak kalau travel dengan anak-anak ni:


1. Pasport/mykid & tiket kapal terbang

Kalau travel keluar negara, jangan lupa pasport and mykids anak and kalau fly...jangan lupa tiket boarding korang. Sama juga kalau roadtrip naik bas ke,ketapi ka..jangan lupa tiket ye




2. Baju yang sesuai

Kalau pi negara 4 musim..time summer tak payah la beria-ria nak bawak coat bulu bagai kat anak ok. Tu namanya cempera. Pilih baju ikut kesesuaian.

3. Diapers

Pilih disposable diapers yang nipis; so far untuk next time punya trip for 10 days aku beli Fitti Gold Pants. Memang betul-betul jimat space sebab nipis gila. Korang yang ada bajet lebih boleh la beli offspring ke yg nipis gila tu. Aku bajet lebih xda. So aku opt for Fitti Gold pants je.
Buat kira-kira berapa keping kena  bawa
Contoh= 5 keping× 10 hari=50 keping
Spare= 10 keping in case of emergency.
Untuk diapers ni, kalau taknak makan space dekat dalam luggage...korang boleh la selit-selit dekat hand cary korang, 3 keping..hand cary laki korang 3 keping, hand cary anak korang 4 keping...and jangan lupa selit jugak dekat stroller bebeh 3 keping ke. Kat situ korang dah jimat space kat dalam luggage u olls.



4. Formula milk

Bagi anak korang yang minum fm, jangan lupa bawak satu kotak yang belum buka (sebab ada sesetengah negara yang quite strict dengan fm yang dah buka ni..mcm Aus tu). Masa kat Aus aku memang bawak sepeket kat Adriana dulu yang belum bukak. Yang dekat atas flight, aku letak ja dalam milk dispenser untuk habuan untuk dia minum dekat atas flight. Untuk Aishah nanti quite easy sebab takyah nak angkut FM dah sebab dia BF jer. Senang keja mama takyah nak angkut susu ni.


5. Stroller/baby wearing

Asal ada nama anak kecik ko angkut jelah stroller tu. Bukan dia kira kgs pun dalam ko punya luggage tu. Baby wearing? Ko angkut jugak je..selit je kat stroller tu haaa. Macam aku tak larat nak baby wearing si Aishah ni sebab dia gedebab...sakit belakang aku walaupun pakai dah betul. Tolak dengan stroller ja senang. Ni dengan si kakak lagi. Memang ada dua strollers untuk anak berdua ni. Larat nak dukung salah sorang kalau dua-dua tidur time travel nanti. Jangan cari pasal wei. Boleh mengundang bad mood kalau kena berdukung. Nanti pak hang hijau...anak pun nak hijau jugak mengamuk kena paksa berjalan!



6. Baby wipes

Need more explainations?



7. Baby balm.

Bawak je. Kalau selsema takyah susah2 nak beli kan.



8. Medicine

Sama juga macam kat atas. Ubat macam paracetamol, ventolin semua tu standby je.

9. Barang mandian baby

Yalah of course kena bawa khas untuk diorang sebab kulit diorang soft and gentle lagi. So kena la guna yang khas untuk diorang kan.

10. Baby blanket / sleeping bag.

Yang ada bawak baby tu sila la bawak baby blanket /sleeping bag ya. Kesian ke anak kalau sejuk tu lagi-lagi kalau travel time autumn/winter tu.



11. Small towels/ napkin

Senang kalau nak mandikan diorang guna ja towel kecik or napkin. Cepat kering pun cepat.



12. Biscuits

Kalau nak travel jauh-jauh lagi-lagi nak roadtrips dinasihatkan beli biscuits supaya diorang tak boring kan. Bila depa kenyang, cepat skit lena

13. Baby food.

Baby food untuk baby yang start boleh makan macam Heinz tu ka. Seelok-eloknya beli yang dalam plastic pack so tak mudah pecah.

Buying house in Singapore can be affordable if your bank account has 8-digit numbers. But, if you do not have bank account that’s as long as telephone number, you will need to take up a loan. Before deciding on getting a loan, we will need to compare which loan package has the lowest or highest compounding interest. These days, we have the privilege to access to information easily with convenience and we can retrieve information we need when it comes to loan package. Yet, there are some who chose the bad loans package. Let’s see what the bad loans are and why they ended up signing up for it.


How home owners landed with bad home loans?
Although people these days have the privileged to access information easily but searching for loan articles to read tend to be boring and uninteresting article to read on the weekends. Besides, loans do not have wide awareness as it is not like fast moving consumer goods. You don’t buy houses every now and then. Our property agent or banker were the ones that feed us information and recommendations of the loan package when we are in our biggest decision-making situation. Hence, we tend to miss the information given on the internet.

Banks tend to package the loans with other benefits to divert our attention, but the interest rates is the main star of your package. There isn’t any advantage for signing up loan with higher interest rates but rather got suckered. So, how do you end up signing for bad loans?
1. You insisted for HDB loan, even when you can afford the cash outlay
2. You are drawn towards exotic options
3. You didn’t think through when you take up Board Rate besides the Fixed Deposit Home Rate (FHR)
4. You got convinced with the refinance idea
5. Non-mortgage expert finds you a home loan

1. Is HDB loan really that good deal? Even when you can afford for cash outlay
Just because it is from the government, the HDB Concessionary must be the cheapest loan, right? Truth to be told that HDB loan is one of the most expensive home loans from bank since year 2008. For almost two decades, HDB loans have been charging with an interest rate of 2.6% per annum. If you had used a bank loan in between 2008 to 2012, you could have the interest rates as low as 1.4%. But why people still end up with HDB? Firstly, they assumed loans provided from the government is cheaper. Second, the initial cash outlay with HDB loans are more tempting at the beginning because they can finance up to 90%. Most banks can only finance up to 80%. But remember that you can always refinance from an HDB loan into a bank loan. Imagine in year 2011 when you purchase your Tampines 3 bedder HDB unit with the interest rate at 1.4%, that’s crazily low compared to now at 2.6%.

2. You’re attracted to exotic options
We are always looking for the cheapest and best options whenever buying a package. Same goes to signing for loan. Your end goal is looking for the cheapest options. But, how makes you consider paying more for the next 25 years? A leather key pouches? A complimentary coffee table? For instance, back in year 2010, there’s an option called hybrid loans that adding SIBOR and SOR to determine your interest rate. There’s another option like interest-offset, where part of your fixed deposit is treated as though it is already paid into the home loan. Because when a loan is already this complicated, the best thing to do make things even more confusing but adding in bizarre elements. It’s rather rare that exotic options may have good deals while most of the times the deals are rather just some marketing buzz with a hidden agenda of being the dearest loan in the market.

3. You anyhow take up Board Rate apart from Fixed Deposit Home Rate
Do you know taking up the Board Rate is letting the bank determine their own rates whenever, wherever? Besides listening to your bank’s relationship manager, you should evaluate and research what kind of rates are being offered. Fixed Deposit Home Rate is more reasonable compared to Board Rate’s offer due to it’s FHR loans are tied to fixed deposit rates. It is clearly visible, and banks are less eager to raise the rates drastically. If they do increase, they will need to pay more fixed deposits. However, if you allow your bank to play around with interest through other BR loans, you will regret for doing so.

4. You got convinced with the idea of refinancing
When you sign up for loans, it was the lowest rates moment, but the rates shoot up in four years and it always shoot up on the fourth year unless you have a fixed rate loan. During this situation, the banker will have something on their sleeves and offer you to refinance when the time comes, and you will need to fork out $2,000 to $3,000 for the processing fees. Though it is affordable but don’t forget that cheaper loans may not be available for you to refinance. Plus, you would need to go through the tedious process again with resubmitting your documents and waiting for loan approval. Therefore, our advice is you don’t have to pick the cheapest but rather the cheaper in the long term, which is the first three years. Do check the terms and conditions before signing up to help you better understand how it works.

5. Non-mortgage expert finds you a home loan
During the house buying process, property agent or house insurance agent tends to recommend you their preferred banker. You could but why should you do so? They are not experts and they have no idea what they are recommending, definitely not the cheapest rates. Nowadays, you can always use your smartphone to search for loan comparison instantly and look up for the information instantly.

In conclusion, if research and survey is done, home owners will not be regretting and ended up paying for more due to interest rates. Besides, make sure your mortgage broker is someone who can advise you and help you with the paper works for your loan application.

Hai holaaaa...
setelah berkurun lama tak blog berhabuk kan.
kali ni nak kongsikan pasal pemilihan warna / shade foundation yang betul berdasarkan warna undertone kulit kita. Seperti yang sedia maklumkan kita ni dilahirkan dengan berbagai warna kulit. Ada yang cerah, ada yang sederhana cerah..ada yang tanned. Yang cerah pun ada macam-macam warna cerah, yang neutral pun macam-macam tona pun ada sama jugak yang tanned skin.



Sebab tu lah aku tersangat-sangat lah kagum bila tau Rihanna @ Riri mengeluarkan foundation dia sendiri yang bernama Fenty Beauty dengan 40 shades yang berbeza. Makaihhhh banyak gila kan shades yang ada. Yalah, untuk fair shades pun dah ada banyak gila...tapi yang paling sadis kan kalau pi ke Sephora shades yang sesuai untuk aku da OOS.



And mengikut sales girl dekat Sephora, dia kata orang Melayu kita ni kulit gelap pun sanggup amik kod/ shades yang cerah nak mampuih...sampai tara tu obses nak putih noks. Ni sahih depa tak kenai kembaq aku Beyonce ni. Bahahah.




Right before we go thru the color shades, it's also important for us to know our own skin type; oily, dry or combination. So if we have know what type of foundation can suit our skin type; the next thing to do is finding the right color / shades that match our skin. Yeah yeah supaya kejadian Melayu lupa kulitnya tidak berlaku lagi di masa akan datang. And adalah penting umtuk kita tau kita ni jatuh category which undertone. Oklah pening ya Under Tone la Surface Tone la apa la. Ok macam ni ya, warna surface kulit kita adalah terdiri dari macam-macam warna, contohnya; ivory, beige, light, medium, olive, tan, dark , etc. Yes this is generally shades of our surface skin tone. And hell yeah, what the heck is undertone?? Undertone adalah warna di bawah surface skin kita.

Ada tiga jenis undertones;
Cool ( pink, red, bluish undertones)
Warm(yellow, peachy, golden undertones)
Neutral ( a mix of warm and cool undertones)

Konsep terpaling salah adalah, orang yang berkulit cerah mempunyai cool undertones. Contoh paling terdekat aku, kalau tengok kulit jatuh kategori cerah tapi tak lah cerah putih serlah tu ya, but my undertoned is warm (yellowish)..sebab tu aku kena pakai Nars kod Fiji ( yellowish tone)..Fiji ni fall for under light shades ya kalau dekat Nars tu. Itupun shades light yang ke 5. Kalau yang local memang aku suka Rosetyara Rose code. Ni pun memang my ultimate favourite.
And kalau celebrity pulak, Nicole Kidman adalah contoh yang mempunyai kulit cerah serlah tetapi ber undertoned warm gitu. And untuk yang berkulit gelap tetapi mempunyai cool undertones adalah supermodel seperti  Alek Wek.



Jom check macam mana nak tau undertone kita

Urat Nadi

Check di bawah cahaya matahari pergelangan tangan korang, and check urat nadi hampa warna apa.

 Emas atau Silver

Ni antara trick paling old school depa kata. Hampa look cantik dengan Silver/Platinum atau Gold/ Rose Gold? Bukan apa yang hampa suka tau. If hampa look good in both silver and gold, hampa jatuh kategori neutral undertoned. Kami rasa kami cantik dengan Gold+ Rose Gold bila mai tua2 ni.ehhhhh. But i still love my pandora bracelet cuma aku tak rasa aku cun dengan pandora tu. So i guess it makes me a total warm undertoned person.

Pertama, kita lihat pada grafik untuk memahami perbedaan antara tone warna rambut cool, neutral dan warm. Hal ini penting ketika memilih warna yang tepat untuk Anda!

Hai umum kita tau, cakap pasal awek atau mamat Korean ja mesti aku nanti jadi duk kagum satu maciammm ja dengan kulit depa. Tengok kat tv yang berdefinisi tinggi nak cari satu cela pun punya susah. Haihhhhh depa ni pakai apa oiii.

Setelah diteliti dan study, maka aku membuat kesimpulan mereka tersangatlah rajin dan menitik beratkan penjagaan muka mereka. Basic skin care depa sahaja ada 10 steps ok. Hampa ada berapa steps? Aku so far duk ada 3 4 steps ja tu pun selalu culassss dan ke laut dalam. Dah culas dan pemalas tapi ada hati lagi nak cantik macam awek korean? ommmooooo.

Jom kita tengok 10 steps of  Korean Skincare:

memang macam salah orang ja nak bagi tips ni...
sebabnya....
tips aku kemas rumah...adalah kemas rumah time Adriana tengah duk lena tuu....

tapiiiiii.....
aku kemas dalam 30 minit...akan bertahan lah sampai dia bangun dari tdoq...
bila dia bangun...disaster balik....kadang2 geram...grrrr....tapi nak wat mcm mana kan...sel2 otak dia tengah pesat berhubung tu...

biarkan...

tapi at the same time ajaq dia mana nak simpan balik toys2 dia semua tu...bubuh dalam raga balik sebelum tdoq or keluaq ka....

and biasanya sebelum aku tdoq...which means dia dah tdoq lama dah...aku akan kemas2 skit apa yang patut...

esok repeat jadi balik disaster...

so macam tu la keadaan rumah aku....

hari-hari jugak sapu sampah sebab biasa lah nanti sampah makanan tumpah la..rambut la...maciam2 adaaa

sekarang ni pun wat satu tempat untuk SOHO aku ngn amir...kt dalam bilik ketiga kt rumah ni....ok lah.bilik kecik...just nice...kat situ letak segala stok bagai...