Hai hampa-hampa semua. Kali ni nak cerita pasal chicken pox yang Adriana kena.

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 hampa....
Hows ur weekend?
Mine always the perfect time for me and my family.
Normally bila weekend kami biasanya akan spend quality time with each other.
Biasanya kalau Sabtu husband kena pi setel kerja dia, on Sunday dia mesti akan bawak kami semua jalan-jalan.

Last two weeks, kat Penang ada Hot Air Balloon Fiesta. Being a Penangites we were excited to join the heat as well. Sebab sebelum-sebelum ni asyik terlepas ja.

So hari tu kami decide untuk merempit ja 4 beranak. Nasib baik scooter laki den besar wei. Takdak la teruk sangat rupanya. Dah brunch semua kami pun pi la ke Padang Polo, sekali show masa tu da habis. So kami decide la nak rempit pusing-pusing.

Sekali pusing-pusing dah sampai ke Batu Ferrighi. Seronok wei. Aisyah sampai terlena-lena seronok kena angin. Tapi disebabkan aku tak tahan gila nak pee pee and poo poo maka suami aku pun decide la untuk berhenti and lepak Hard Rock Hotel sat.

Selesai keja aku di toilet HRH, sekali seronok kemain la depa ni duk lepak kat lobby hotel ni.
Teringin gak nak bawak anak check in ke sini, first check in kt sini dulu masa lepas nikah. Honey moon la katakan. Kikikki. Nanti la usha rate cun-cun bawak anak mai stay kat sini pulak.





Dah puas lepak-lepak kat HRH tu, kami pun rempit balik ke rumah fil. And petangnya time show, kami merempit balik ke Padang Polo untuk tengok hot air balloon.

Adriana la yang paling suka kan. Eh mama dia pun suka jugak la sebab cantik kan rona roni.

Hai hampa semua.Sehat ke tu???
Heppy weekend semua. So weekend ni hampa buat apa je?
Kami dis weekend hari Sabtu stay kat rumah ja sebab laki kami pi wat reja dia kan.Ahad baru keluar jalan-jalan nanti. Hari yang ditunggu-tunggui oleh kita semua mestilah weekend kan. Time tu la nak bermalasan dan hang out dengan family tersayang. Bagi anak pulak, time tu la hari dia boleh melekat dengan mama and papa depa ni.

Disebabkan Sabtu kami tak ke mana-mana, maka rutin di rumah sama jugak macam hari-hari lain. Yelah being a Work At Home Mama ni bukan mudah ye. Kadang-kadang semua nak kena buat sendiri. Sampai kadang-kadang tu lupa nak breakfast. Tapi nasib la ada Ellvita Premium Berry ni.



Biasanya memang aku breakfast dengan Ellvita Premium Berry by i-Sihat ni ja pagi-pagi. Selain mengenyangkan, Ellvita Premium Berry ni banyak khasiatnya tau.



Kalau hampa nak tau dalam Ellvita Premium Berry ni ada 15 bahan yang terpilih antaraya berry, collagen, sakura extract, applehenon, astaxanthin, badam,strawberi, kismis, habbatus sauda, buah tin, delima, zafran, kurma , madu dan susu kambing. Perghhhhhh memang bestkan bahan-bahan yang digunakan untuk menghasilkan Ellvita Premium Berry ni.




Ok bila sebut pasal susu kambing i bet mesti ada yang takut nak minum takut bau hamis kambing kan. Takpa, jangan takut sebab Ellvita Premium Berry ni langsung tak bau hamis ok. Trust me. It taste and smell like a berry smoothies. Memang sedap oi.

And jom kita tengok khasiat bahan-bahan dalam Ellvita Premium Berry ni korang;

1. Susu kambing: merawat gastrik, mencegah insomnia, membantu penghadaman,  tinggi kalsium dan boleh jadi milk booster untuk ibu-ibu menyusu.
2. Habbatus sauda : Meningkatkan kesuburan , anti-cancer, merawat keguguran rambut , meningkatkan kesuburan dan mencegah rasa letih.
3. Kurma : memberi tenaga yang segera, serat yang tinggi dan bagus untuk otak.
4. Badam: Menurunkan paras kolesterol dan mencegah obesiti dan kurankan rambut gugur.
5. Berry : anti oxidant, menajamkan minda
6. Applephenon - Penjagaan kulit wajah, kurangkan pigmentasi dan mencerahkan kulit.
7. Kolagen: memperbaiki struktur kulit dan rambut.
8. Astaxathin : anti-fungal, melindungi kulit dari sinaran UV, rawat ekzema dan dermatitis.
9. Saffron Merangsang Pertumbuhan sel-sel otak dan meningkatkan kecerdasan minda, merawat migrain & asma.
10. Tiin : Membantu menurunkan berat badan , mencegah dari penyakit kanser dan diabetes, mencegah osteoporosis.
11. Kismis:Mencerdaskan minda, dan melemahkan perkembangan penyakit-penyakit organ dalam badan.
12. Ekstrak sakura:Mengandungi Melatonin yang tingi, memutihkan dan melembapkan kulit serta mengatasi masalah kulit kusam.
13. Madu:Melembapkan kulit, mengatasi jeragat, mengatasi bibir kering & pecah, mengandungi agen anti-bakteria & anti-radang
14. Delima : mengandungi kandungan antioksidan yang tinggi, menyahtoksid sel kulit dan meyingkirkan sel kulit mati.
15. Strawberi: Kandungan vitamin C yang tinggi membantu mencantikkan kulit.

Hai hampa semua.
Kali nak bagi resipi dessert yang paling senanng dalam dunia ni selain agar-agar ya. Agar-agar tu kalau tak reti buat memang nak mengundang pesona nan grata oleh mak mentua woi..hahahha.

Disebabkan teringin sangat nak makan serawa pisang ni..oh ya orang Utara esp Kedah, Perlis & Penang memang panggil serawa tau untuk yang berkuah-kuah macam ni...serawa durian, serawa labu, serawa ubi, serawa nganga pun ada...serawa nganga tu hampa la yang duk tenga baca resipi ni sambil ternganga-nganga. Kahkah!

Ok la without being annoying yang suka membebel tak tentu hala..jom la kami bagi resipi serawa pisang sedap ni hoiii



Bahan-bahan:

10 biji pisang
Sagu sepeket
Santan sekotak
Gula merah
Gula putih
Daun pandan* aku takdak so aku takbuh la..kalau buh lagi power aroma dia
Susu cair

Cara-cara:

1. Rendamkan sagu biar kembang.
2. Panaskan air, masukkan gula putih dan gula merah dan biarkan mendidih. Kalau ada daun pandan jangan lupa masukkan sekali.
3. Bila sagu agak dah kembang masukkan sagu. Kacau sampai sagu jadi lutsinar dan hilang warna putih susu tu.
4. Bila sagu dah mula lutsinar masukkan pisang.
5. Agak dah masak pisang tu masukkan santan, kacau-kacau dan tutup api.
6. Sedia untuk dimakan semasa sejuk atau panas.
7. Masa nak makan boleh curahkan sedikit susu cair.

Perghhhh merecik! Makan dengan roti gardenia pun sedap weiiiiiii. Nikmat mana yang kau dustakan alia oiii.

Tapi tak leh makan selalu sangat ni. Manis and berlemak. Tak baik untuk kesihatan uolls.

Holaaaaa....
Mood blogging mencanak-canak uolls. Time sendu kemain takda idea kannnnnn nak hapdet nya pun....
Bila datang idea...pusss pusss keluar nyaaa...haaa gitewwww.

Actually aku tengah rangka iti untuk next trip bersama my Bikoi Sisthurhood gitewww. Bila duk plan n rangka iti ni macam kena jugak la listkan apa yang kena bawak ye dak? Kalau dulu travel dengan flight dengan anak sorang kali ni anak dua. Lain macam skit perginya. Hahahah.

Tapi takpa...small matter ja tu. Jangan cakap rugi bawak anak kecik-kecik ni depa bukan ingat pun. No no korang salah...Adriana setiap hari berzikir nak balik Ausie ok. Nak balik ok..nak balik..celah mana nak balik nak oiii...balik rumah ALIA je lah dari balik AUSTRALIA. tu belum lagi jom pi phuket. Ni maktok berkempen nak bawak cucu2 pi Kashmir pulak...ha kemain dia buat homework tekun habis sebab maktok janji nak.bawak pi Kashmir nanti. Pendek kata, kalau hampa kata rugi bawak budak-budak hampa silap....sebab depa memang ingat ok. Alaa kalau depa tak ingat pun hampa boleh haih tunjuk gambaq kat depa kan.

Ya udah melalut...jom kita check barang-barang yang wajib bawak.

1. Pasport / pengenalan diri



Yalah..kalau nak pi oversea make sure la pasport kena ada and valid sebelum 6 bulan tarikh paspirt luput ya. Kalau travel dalam negara jamgan lupa pulak IC..my kid anak2 tu. Kad nikah dsb.

2. Tiket/ dokumen perjalanan.



Jangan lupa print tiket atau dokumen perjalanan contoh sapa2 yang roadtrip nak ke negara jiran ke. Korang kena ada dokumen perjalanan pasal kereta etc. Yang nak ke Thailand boleh refer post aku dekat SINI pasal Roadtrip ke Thailand.

3. Charger fon.



Gila ka kalau tak bawak charger fon. Pecah pala kalau x bawak!

4. Usb cable.

Wajib kena standby kat celah2 bag tu untuk emergency, at least kalau charger fully occupied..boleh gak selit charge dekat tv etc.

5. Universal adapter.



Ya wajib kena ada kalau selalu travel luaq malaysia. Beli kat MR DIY murah je.

6.  Power-Wire extension.



Ya lah...kalau da travel oversea tu selalunya kepala plug dia tak sama dengan kita. Dari beli banyak universal adapter...hampa bawak ja power-wire extension dari rumah tu. Senang wei,boleh guna untuk masak bla bla bla.

7. Conditioner shampoo



Untuk orang macam aku yang frequency untuk shampoo rambut 2 hari sekali..memang wajib kena bawak conditioner shampoo ni sebab kalau guna shampoo saja tapi tak letak conditioner..kebarangkalian rambut nak jadi macam singa amatlah tinggi. Alaa beli la yang travel pack takpun letak la dalam botol travel yg kecik2 tu.

8.  Found~daiii~tionnnnnn ( sebut ala2 king cocoon)



Penting sebab aku tak suka muka aku selebet time travel. Time travel pun harus dead drop gorjes as always. Again, jangan lupa transfer ke bekas yang kecik and sesuai untuk travel.

9. Lipstick



Selain digunakan sebagai lipstick..boleh gak digunakan sebagai blusher+eye shadow giteww. Bawak la 3 warna yang berbeza so u dont look d same all day long during ur trips.

10. Eye liner



Ehhh..perlu elaboration kerrrr. Mesti la sebab aku nak look hot as always. Masalahnya hot keee...

11. Pencuci muka.



Penting. Sanggup ke nak biaq muka berkeladak???
Macam biasa isikan dalam bekas/botol kecik untuk travel.

12. Sun block



Wajib ya noks. Paling senang choose foundation yg came out lengkap dengan SPF.

13. Moisturiser

Adoiii ni basic la. Mesti kena tempek moisturiser setiap masa untuk pastikan kelembapan muka kita seimbang especially kat negara yang panas mahupun sejuk.

14. Wet tissue.



Senang wei. Cuci muka boleh..cuci yak2 boleh especially kat negara yang xdak bidet kat toilet tu.

15. Minyak angin.



16. Vicks inhaler +vicks balm



Aku jenis takleh berenggang dengan vicks inhaler kalau selsema wei.

17. Medicine/drug



Jangan lupa list kan untuk negara yang agak strict seperti Aus/NZ. Bawak ubat-ubatan yang common macam paracetamol, painkiller, cold/centrizine, etc. Ubat anak-anak jangan dilupakan juga tau.

18.  Pembalut luka+plaster



19. Pad /tampon



Penting untuk kaum hawa untuk standby pad ya. Buatnya kalau tengah roadtrip kat tengah-tengah hutan tu period memang cari pasal betul.
Sama jugak kalau yang travel ke pulau-pulau and nak snokerling and sekali period la pulak..jangan lupa guna tampon tau. Korang yang lelaki apa tauuuuu...

20. Sunglass



Selain boleh nampak hot, at least dapat mengurangkan silau untuk orang yang silau tinggi macam aku ni.



21. Power bank



Of course la kena ada kan power bank. Life saver jugak ni.

22. Selfie stick



Wajib la kena ada kan...kalau tak sapa yang nak tangkap gambar korang sokmo.

23. Travel rice cooker.

Untuk orang yang kena makan nasi macam aku ni..memang kena la bawak travel rice cooker ni. Setakat ni dah try masak satu periuk penuh ni lepas kami 4 beranak makan untuk sekali makan.



24. Collapsible containers



Kata suka masak masa travel...so untuk yang suka masak untuk berjimat or kekangan makanan halal kat tempat nak travel tu boleh la beli collapsible containers ni ya sebab menda ni boleh penyek2 kalau tak digunakan. And sangat tahan lasak, xmakan space dalam lugage korang and yang paling penting boleh guna untuk panaskan dalam microwave. Aku ada 3 different sizes uolls. Senang nak isi lauk-lauk yang masak time travel gitewww.
Korang kalau nak..terjah la instagram kedai_barang_travel ya

25. Travel towel



Yang ni korang kena standby jugak tau..in case of emergency ke or korang nak mandi laut ka..mandi waterfall ke...or mana tau korang stay kat Air Bnb yang tak provide towel ka..haa make sure korang bawak travel towel sebab towel ni nipis and tak makan space tapi mnyerap air and paling penting cepat kering. Macam aku yang ada anak-anak kecik ni better ada la travel towel ni. Senang kalau apa-apa. Kat mana nak beli? Korang cer tengok dekat Ig : kedai_barang_travel ...diorg ada jual jugak travel towel ni.


Banyak kan yang wajib bawak. Biasalah nama pun perempuan. Kalau aku jenis Che Ta lagi panjanh gojeng list aku. Belum masuk bulu mata pelese....lingeriè apa ke bedah lagi kan...opppsss...ni baru part aku secara keseluruhan tau...yang spender ka coli ka takkan aku nak.listkan kat sni..nanti lagi panjang melampau noks...

Nanti sharing barang-barang for the kids (toddler and baby) plak ya. Wat masa sekarang izinkan aku berehat ya.