Monday 7 October 2013

Car & Budget 2014

Okay now first week in October means presentation for budget 2014 is just around the corner... I want to write and talk about this thing because last week my cousin go to bank to settle her stuff and that time the bank staff tell her that in budget 2014 they will announce the increasing of car down payment... The staff mention down payment for car will prop up to 20% from 10% and the period for car loan will shorting from nine (9) to seven (7) years but its not too sure yet.. Just want to sharing.. ;) So, lets think the negatives side and the positives side about this issue.  


My opinion on the bad sides of increasing the car down payment to the prospective buyers. First, we need to understand that there may be a small increase in the national economy, but there is no big improvement in the economy of the people (financial flows). The salary are still at the same level and if increase is not too much, while the cost of living in Malaysia is increasing day by day.  Secondly, when they make a loan for a car down payment they have to pay back with relatively high amount every month to the bank because of a loan period is getting shorter. Lastly is when they are burdened to pay the loan, most likely it will affect their monthly car installment and cause debts being in arrears.    

     
The price of Toyota Vios in Malaysia 2013
                                     


In positive sides are earth more green and traffic jams may be reduced because the car on the roads depleting..

                                                           

So, its mean more difficult and be a burden on prospective buyers right?... why i said like that because when it happen of course the term and condition for make a loan to buy a car getting strict and difficult.. Don"t forget banks also want to make profit and do not want to lose same goes to car company in the end who will feel burden?.. Keep asking on yourself.. Like i said before is not too sure waiting the 2014 budget presentation to know the truth but i hope its just rumors.... :) XOXO


Saturday 5 October 2013

Memories Remains In My Heart Friend


We a best friends ever. We spending are happy time, sharing the sadness and stress together through three years of our study. Its such a enjoyable memories and it will remains for the whole of my life. She funny, beautiful, nice, kindly and always be on my side and give a support when i need it but the secret is she fear of the dark and she talented in playing guitar and singing.. ;)  Lately i really miss her after a few months we apart. All the memories we create came in my mind and it give a big smile on my lips.... Internet and phone are connection between us.. I pray someday we can spend time together like before, amin... Last night she wrote something on my FB wall that make me feel want to cry when i read it :

Biler Rindu
Hanya Boleh Diluahkan Dengan Kata2 di


WhatsApp
WeChat
Facebook for Every Phone
Instagram
Others

"Face-To-Face" entah Biler.. Isya'Allah dimurahkn rezeki kte berjumpe..amin amin amin


So, my best friend Fatin Sharmimi aka Atin aka Mimi aka Bueno Fat-yn this poem i want to dedicate special for you...


                                                 

                                                                   And this some of our memories my bff... 

-2010-

      This MAFeP 2013                               


 @Tasik DarulAman 

Lot of love.... But remember always pray and do are good thing to our self no matter what okay...XOXO... 

Sunday 29 September 2013

Homemade Cream Cheese Layer Cake

Okay long time not visit my blog... Even i'm jobless and stay at home without doing nothing... Hehe... Since i jobless i love to eat so much... ;)
So, for my entry this time i want to share one of recipe (Cream Cheese Layer Cake) that i made by my own for first time... So, lets start with the ingredients and the preparation methods of the Cream Cheese Layer Cake.... 

Ingredients A (Cream Cheese):
  • 250 gm cream cheese (i used Philadelphia cream cheese)
  • 55 gm caster sugar
  • 1 egg 
  • 1 tbsp of water 
  • 1 tbsp of plain flour
Methods: 
  • Beat cream cheese with sugar until well mixed 
  • Add egg, water and flour, beat on medium speed until it well mixed 

Ingredients B:
  • 2 eggs 
  • 1 cup of caster sugar 
  • 1 tsp of essence vanilla 
  • Pinch of salt 
  • 1/2 cup of hot water 
  • 1/2 cup of fresh milk 
  • 1/2 cup of corn oil 
  • 1 cup of plain flour * 
  • 3 tbsp of cocoa powder * 
  • 1 tsp of baking soda * 
  • 1/2 tsp of baking powder * 
(p/s: sieve all the ingredient are marked by *)

Methods:
  • Beat eggs with sugar in another bowl until it fully 
  • Add essence vanilla and salt, hot water beat the mixer for a while 
  • Add fresh milk and corn oil 
  • After that add plain flour, baking soda, baking powder and cocoa powder and beat the mixer until it well mixed 
  • Divide it into 2 parts 

Preparation Methods:
  • Preheat the steamer pot 
  • Rub the pan with butter, covering with parchment paper 
  • Pour the first part of chocolate batter into the pot and steam for 15-20 minutes 
  • After that take out the pot from the steamer and pour the cream cheese mixture, steam for 15-20 minutes 
  • Then, pour the second part of chocolate batter and steamed again for 20 minutes 



Done, this my cream cheese layer cake 



After slice into 4 parts... :) yummy.... 


Done and it ready to eats.... Yummy2.... Hope my sharing for this entry can give a benefit to you.... XOXO :)

Sunday 10 March 2013

Redang Island

In boat

Excited ja dngr sal trip ke Pualu Redang... Dh t'byang pulau yang cantik n indah + peaceful la kn... N bla aku dh p sndri seriously mmg cantik... :)   Tp maklum sja la skrg nie bln 3 musim hujan n ombak sgt2 la kuat n laut b'gelora.. Perjalanan dri jetty Merang ke Pulau Redang ambik msa 1 jam lbh gak la maynbe sbb cuaca agaknya... gmbr kat atas 2 smsa dlm boat otw nk ke sna...   

Time nie bru ja lps ujan...

  
laut yang mendamaikan.. hijau ja laut dia... Aku t'ingin nk p sna lg tp selepas musim tengkujuh la sbb azab ja naik boat msa musim tengkujuh nie (bg aku la).. hehehe... Kat sna x mcm Pulau Perhentian yang aku penah p last year sbb kat sni bh byk resort n chalet sepanjang laut dia.. N yang special kat Redang nie dia dtg ngan package bla kta stay kat sna.. Contoh cam package yang aku ambik, dia t'msk boat p n blik dri jetty ka pulau, bilik chalet, mkan pg, tgh hri, n mkn mlm + 1 bbq set, 3 snorkeling trip.. Just add rm20 utk snorkeling equipment.. N snorkeling kat sni pn best... Tp x dak pic sbb x smpat nk sewa cmra utk underwater use... Conclusion yang aku leh ckp sgt la b'baloi n b'puas hati la dtg Redang nie... Hope i can be there again... Just sweet memory that i can't forget ever.... 

Redang Island 


1 of resort yg ada kat Redang nie, beauty.. klaw dtg next tme nk dok sni plak la.. ;) 



Depan chalet aku.. nice kn...