01/01/2019 - 02/01/2019 - LIFESTYLE BLOGGER

Selasa, 15 Januari 2019

DEMEISES 1000 TAHUN | LIRIK LAGU 1000 TAHUN

9:30 PG 20
DEMEISES 1000 TAHUN | LIRIK LAGU 1000 TAHUN
Hai korang. Ada tak diantara korang yang mengenali band dari Indonesia, Demeises. Alah lagu tema yang pernah meletup  dalam drama TV3, Ijab dan Qabul lakonan Nora Danish dan Adi Putra pada tahun 2013 Dengarlah Bintang Hatiku. 
Siapa sangka populariti drama itu secara tidak langsung membantu. Demeises meraih jualan album mencecah 400,000 unit sekali gus menerima Anugerah Platinum Berkembar.Demeises dianggotai empat jejaka dari Cianjur, Indonesia iaitu Iman (vokal), Messi (Gitar), Neno (Bass) dan Riza (Dram). Menurut Iman, De Meises bermaksud coklat tabur di Indonesia dan merupakan makanan kegemaran ramai di negara itu.
Kini Demeises kembali semula dengan single terbaru mereka. Mempertaruhkan lagu terbaru berjudul '1000 Tahun' yang kini telah ada muzik video rasmi di Youtube.

Korang boleh tonton muzik video Demeises 1000 tahun di sini: 


Begitu lama ku pendam di dalam hati
Jadi rahsia perjalanan cintaku padamu
Hatiku tetap tak bisa tepiskan dirimu
Walaupun semuanya kini telah berubah
Diriku dengan cintaku
Dan kau pun bahagia dengan cintamu

*1000 tahun tak akan cukup
Tak akan bisa menebus kesalahan ku padamu
Tak mungkin kini kita kan bersama lagi
Setelah dahulu aku pergi meninggalkan luka dihatimu

Maafmu saja sudah cukup untukku
Walau harus rela tak bisa saling memiliki
Aku sedar kesalahanku
Tak bisa tegar pertahankan cintaku
Ooo…

Ulang *
Ohhh

1000 tahun…
Ohh 1000 tahun
Tak akan bisa menebus kesalahan ku padamu
Tak mungkin kini kita kan bersama lagi
Setelah dahulu aku pergi meninggalkan luka dihatimu

Ulang *
Ohhh..
Meninggalkan luka di hatimu
Ohhh…




Jeng jeng jeng El pun ada buat cover song untuk 1000 tahun ni tau. Halah halahhh suara kita tak sedap, tapi sis cuba haha. Janganlah kecam. Tapi yang tak boleh blah tu nak hujung tu terkantoi. Sis dah siasat tak ada orang kat rumah. Anak2 pergi sekolah, en. suami pula tidur lena  Haha..kalau korang nak tahu apa yang terkantoi tu kena tonton video El ni sampai habis ok. 

Korang juga boleh aktifkan nada pemanggil ini dengan cara berikutnya:

 1000 Tahun (Demeises)»»
Maxis CallerRingtones -- Dial *131*615980# tekan Call/Hantar
DiGi CallerTunes -- Dial *233*1350714# tekan Hantar/Call
Celcom CallMeTones -- Dial *323*313555# tekan Call/Hantar
U Mobile ColourTones -- Taip CRM 8498649 dan hantar ke 28383

Chorus»»
Maxis CallerRingtones -- Dial *131*615981# tekan Call/Hantar
DiGi CallerTunes -- Dial *233*1350715# tekan Hantar/Call
Celcom CallMeTones -- Dial *323*313556# tekan Call/Hantar
U Mobile ColourTones -- Taip CRM 8498650 dan hantar ke 28383

Verse»»
Maxis CallerRingtones -- Dial *131*615982# tekan Call/Hantar
DiGi CallerTunes -- Dial *233*1350716# tekan Hantar/Call
Celcom CallMeTones -- Dial *323*313557# tekan Call/Hantar

Lagu & Lirik: Benk
Publishing: Insictech Musicland Sdn Bhd
℗ & © 2018 Insictech Musicland Sdn Bhd
Terbitan : Insictech Musicland Sdn Bhd
Album : Demeises - 1000 Tahun    

#InsictechMusicland #Demeises #1000tahun #Demeises1000tahun



Isnin, 14 Januari 2019

KOTAKINABALUFLORIST.COM | KEDAI BUNGA ONLINE DI SEKITAR KOTA KINABALU

10:05 PG 17
KOTAKINABALUFLORIST.COM | KEDAI BUNGA ONLINE DI SEKITAR KOTA KINABALU
KOTAKINABALUFLORIST.COM | SERVIS PENGHANTARAN BUNGA ONLINE SEKITAR KOTA KINABALU - Berita gembira kepada mereka yang berada sekitar Kota Kinabalu. Sekarang korang tidak payah risau untuk mencari hadiah jambangan bunga di luar. Jimat wang, masa dan tenaga. Kini ada sebuah kedai bunga online, Kotakinabaluflorist.com akan mengembirakan korang dengan pelbagai hadiah jambangan bunga untuk diberikan kepada yang tersayang.

Hai siapa tak suka kalau dapat kejutan jambangan bunga yang diterima dari orang tersayang pasti akan mengukir senyuman di wajah mereka. 

Disebabkan faktor kesibukan dan jadual yang padat, ada diantara korang yang mungkin tidak ada masa untuk membeli dan memberikan kejutan kepada mereka yang tersayang. Jangan risau kalau korang tercari-cari hadiah jambangan bunga, korang boleh melakukannya tanpa perlu ke mana mana. Semuanya di hujung jari sahaja!

KOTAKINABALUFLORIST.COM | SERVIS PENGHANTARAN BUNGA SEKITAR KOTA KINABALU


Kedai bunga online Kotakinabaluflrosit.com ini pasti dapat membantu korang dan semuanya mempunyai kelainan dan keistimewaan tersendiri dalam gubahan bunga yang dibuat.  
Terpesona melihat jambangan bunga yang digubah oleh Kotakinabaluflorist.com. Semuanya cantik-cantik belaka. Geram pula tengok. Hai ada tak yang nak bagi hadiah jambangan bunga pada El?
Berkenan tengok hand bouquet Rose. Ini adalah antara koleksi jambangan bunga Hand Bouquet. 

Hand bouquet love ini bolehlah dihadiah pada Hari Ulangtahun Perkahwinan ataupun Valentine Day. Bentuk hati tu simbolik sangat. Adoii tak tahanlah cantik sungguh.


Yang tak suka bunga, boleh gantikan dengan jambangan coklat

Rangkaian kawasan yang dihantar meliputi kawasan seperti di Likas / Damai / Luyang / Lintas / Lido / Bukit Padang / KK City / Sutera Harbour / Sembulan dan banyak lagi. 

Untuk pengetahuan korang, bukan hanya jambangan bunga untuk diberikan kepada yang tersayang, Kotakinabaluflorist.com juga turut menawarkan penghantaran bunga untuk majlis-majlis tertentu seperti Harijadi, Hari Graduation, Perayaan, Grand Opening, Condelence dan pelbagai lagi serendah RM38.


Kotakinabaluflorist.com memang menjadi pilihan ramai kerana gubahan yang dilakukan mengikut trend terkini. Hari Valentine Day tak lama lagi. Kotakinabaluflorist.com ada buat promosi. Jom terjah
Kotakinabaluflorist.com
Open Hours : Monday To Saturday (9.00am to 5.00pm)
Sunday & Public Holiday – Off

Contacts : Phone: +6016 840 8028
Adress: Taman Yakim Jaya (Opposite Kian Kok High School)

Website: https://www.kotakinabaluflorist.com/
Instagram: https://www.instagram.com/kotakinabaluflorist/

Isnin, 7 Januari 2019

MRTA VS MLTA - WHICH ONE IS FOR YOU?

11:05 PG 6
MRTA VS MLTA - WHICH ONE IS FOR YOU?

Recently, you have purchased a house and you cannot seem to decide between Mortgage Reducing Term Assurance (MRTA) or Mortgage Level Term Assurance (MLTA). Investing in a house is the biggest ticket and commitment made by many individuals and many Malaysians aspire to make their homeownership come true. Due to the size of the amount, there are some potential risks that you will need to go through. For instance, what happens to your family should something unfortunate happen to you? Who’s going to continuing to service your mortgage installment? Some questions to ponder. In this guide, we are going to share with you the details of two most common options that’s available for Malaysian homeowners.

On Mortgage Reducing Term Assurance (MRTA)

Mechanism

MRTA, by far, is the most popular and economical option for property loan borrowers and is usually packaged as an option when applying for a home loan at a bank. A single premium group term life insurance that pays your outstanding home loan in event of your death or total permanent disability (PTD).

The ‘reducing term’ means your coverage will gradually reduce in line with your outstanding loan till it reaches zero at the end of the tenure. However, in the event of your death/TPD, the benefits derived from this mortgage insurance will go directly to the bank to settle your outstanding loan and your family members will not receive any cash benefit from it as the bank is serving as the beneficiary of MRTA policy.

While you have the option to select the coverage amount and tenure of your policy and your premium will be charge based on your age, gender and other factors. Premium is paid up-front as a lump-sum. Most homebuyers top up this amount to their mortgage value as most banks offer a goodie of a lower interest rate on your home loan. You can also opt to buy later but you will need to have sufficient money to pay off lump sum premium on your own.

Cons of MRTA

1. The loan settlement goes directly to your bank and your family will have no control over it. Even if the loan is settled, your house could remain frozen under the state until all your income tax, legal and accounting expenses are settled.

2. MRTA coverage below home loan amount should take note that their MRTA will be affected by fluctuations in interest rates.

3. There are few incidents where the banks calculated too low of interest rate when selling MRTA policy to their clients - interest rate used for MRTA calculation should be higher than your home loan interest rate. Due to that, the increased in bank interest rates over the years has made actual outstanding loan higher than the projected outstanding loan. Thus, policyholders have no choice but to pay the balance.

MRTA is for you, if:

1. You plan to keep the house for long term and have no financial dependents

2. You are on a budget leash and already own medical insurance

Where to purchase MRTA?

Banks, where banks will highly recommend you to opt for MRTA. Fret not, because MRTA is not a compulsory mortgage insurance. Do not feel pressured or obligated to purchase MRTA, in fact, check out or survey other options that’s available in the market.



On Mortgage Level Term Assurance (MLTA)

Mechanism

MLTA offers repayment of your outstanding home loan as well as guaranteed cash value back at the end of the scheme. Cash benefit will help keep your family afloat in the event of your death or total permanent disability (TPD). Anyone can be a beneficiary for MLTA, policy holder can nominate any family member to receive pay out if anything happen to him or her.

MLTA’s sum assured remains constant or level throughout the policy’s tenure period. Most importantly, the mortgage insurance is that the insurance proceeds are credit-proof and will not be frozen. MLTA is a complete protection with additional saving, optional riders and even policy returns on premium to fulfil your family’s financial necessity.

Once it is paid off to the bank for the outstanding mortgage amount, the insurance company will pay whatever money leftover (including returns on investment if the policy is investment-linked) in the form of cash payout to the policy’s beneficiary. Most MLTA provide option that includes medical rider for critical illnesses too, providing further protection. You can also surrender this mortgage insurance’s policy at any time with a guaranteed surrendered value mentioned in your policy paper.

Cons of MLTA

1. Because of the extra facilities, it comes at a price of higher premium which can be paid periodically over tenure of the mortgage on periodic basis.

2. Age plays a role in MLTA like life insurance, the higher the age, the higher the premium will be. You will pay more in long run if you buy MLTA later after purchasing your house.

MLTA is for you, if:

1. You are the sole breadwinner of the family and have several dependents or commitments.

2. You have the intent to keep the property for short term or for investment.

Where to purchase MLTA?

Most insurance companies offer MLTA as it is a hybrid of life mortgage insurance offering you both protection and savings.


Jumaat, 4 Januari 2019

HOW TO TRANSFORM YOUR RENTAL HOUSE LIKE YOUR OWN

9:17 PG 7
 HOW TO TRANSFORM YOUR RENTAL HOUSE LIKE YOUR OWN


Owning a house perhaps is the largest ticket item or greatest achievement unlocked in one’s life but as house price increasing over the years, the affordability seems to be getting far out of reach for many youngsters. Thus, youngsters or young families these days chose to rent a house instead. Apart from being committed to pay off the monthly installment, there are some outgoings or expenses needed to be paid like legal fees, agent fees, stamp duties and etc. While legal fees and agent fees are still negotiable but not for stamp duties in Singapore, they are subject to change based on Singapore’s government regulations with the intention to cool the property prices in the market. With that being said, renting a HDB or private condominium does not necessarily means that you cannot feel like home. Here are some tips how you can make a rental look like your own with your individual flair and style.

Get creative with art

The best advice is to bring your personality to feature on your house’s wall. After getting nod from your landlord to hang your favourite art on the wall, by all means go ahead. This would not make your faux home feels like you are actually home than some beautiful pieces of arts or prints. With that permission given, that does not mean you can go ahead and drill holes without care on the wall, be mindful that you will need to repair any damages caused to the walls.

Wallpaper ideas

If you love bold and eclectic looks or perhaps, adding some cute motif to your kid’s room - then wallpaper offers a win-win in rental. In the market, there are many removable wallpapers that do not require paste or glue which allows you to instantly add the vibrancy to your room. However, better be safe than sorry by checking with your landlord beforehand so you don’t breach your contract. Besides, with the new technology, wall decals are an easy update for kid’s bedrooms. It can be easily removed or changed as your little ones grow older.

Indoor plants decor

It is without a doubt that indoor plants are one of the greatest and simple way to stamp your style on your personal space. Indoor house plants also helps to ventilate the air in the room and also liven up the atmosphere. If you fear of the need to spend much time to tend the plants, you can consider getting ZZ plant or pothos that require lesser care but still can be sustainable by itself. Click here to check out indoor plants that is highly recommended.

Fresh paint

Get permission from your landlord and you can paint it like your own. Painting is possibly one of the easiest way to breathe new life into new space. If your rental is a long term lease, pull out your paint brush and remember to use products that have low or no VOC (Volatile Organic Compounds) - this is to avoid a stench smell that causes headaches for weeks after you have freshly painted that on your wall.

Bright lights

If your house is dimmed and dark, it will look dull and unappetizing to stay in. Natural light is very important as it adds the vibe and brightness to the house making it feel warmth and comfortable to stay in the house. Use sheer drapes or bright coloured curtains to enhance the lighting in the house. However, if your house has lesser windows, it is recommended to change the lighting. There are many versatile and aesthetically beautiful looking lighting available in the market. Install them and you will notice the changes in your rooms and house.

Care with love

By adding your magical love touch to your rental house, your house will be full of warmth and coziness. Repair and replace some of the fixtures and fittings in your house, you will be surprise how new it will look again. For example, like the broken door knob or dysfunctional head shower or chipped off wooden furniture. Besides, a rug or vintage decor can change the whole atmosphere and vibe of the home, it does not have to cost a bomb to add a touch for the interior look.