Starbucks Merchandise Warehouse Sale 28 – 30 June 2019 at Starling Mall

I went today to Starbucks Merchandise Warehouse Sale at The Starling Mall.  I planned to buy Starbucks tumbler enticed by its up to 80% discount.

starbucks merchandise warehouse sale starling mall 28 - 30 june 2019
starbucks merchandise warehouse sale starling mall 28 – 30 june 2019

 

To my dismay, no nice tumbler design. All plain design. According to a barista all nice design were sold out on first day. Surprise! Surprise!

starbucks merchandise warehouse sale starling mall 28 - 30 june 2019
starbucks merchandise warehouse sale starling mall 28 – 30 june 2019
starbucks merchandise warehouse sale starling mall 28 - 30 june 2019
starbucks merchandise warehouse sale starling mall 28 – 30 june 2019
starbucks merchandise warehouse sale starling mall 28 - 30 june 2019
starbucks merchandise warehouse sale starling mall 28 – 30 june 2019

 

Anyway, there were lots of Starbucks enthusiasts went to this warehouse sale.

Starbucks Merchandise Warehouse Sale
Starbucks Merchandise Warehouse Sale
Starbucks Merchandise Warehouse Sale
Starbucks Merchandise Warehouse Sale

 

Badminton Elite Club Sekolah Kebangsaan Bukit Jelutong

Since early this year, my kids play badminton and they love it. Aliesha joins club badminton at her school Sekolah Kebangsaan Bukit Jelutong (SKBJ). Her teacher noticed that she can play badminton and has potential to be groomed further.

So she recommends her to be enrolled into SKBJ Badminton Elite Club. The club conducts training every Sunday and trained by professional coach.

Even though I play lots of badminton when I was teenager, I am myself never had a proper badminton training. When I saw how they taught the kids made me learn proper way of playing badminton.

SKBJ Badminton Elite Club Warming Up
SKBJ Badminton Elite Club Warming Up

SKBJ Badminton Elite Club Stretching

Nasi Cincang Kak Wok At Putrajaya

Every time I have a meeting at Putrajaya, I will drop by at Selera Laman Perdana to have my lunch. My favorite stall will be Nasi Cincang. The dish is similar like Nasi Kak Wok. I think it is better than Nasi Kak Wok that I tried before. The chicken, kuah and sambal are really tasty.

If you go there during lunch time, there would be a long queue.

Nasi Cincang at Selera Laman Perdana
Nasi Cincang at Selera Laman Perdana

Besides, the food court and the stall itself is clean. The Nasi Cincang is affordable with lots of chicken pieces they only charge you RM5.50 per plate.

Location

Nasi Cincang Location on Google Map

 

Motion Gymnastics At Kota Damansara Review

I send my daughter, Aliesha to gymnastics classes since she was 7 years old. I noticed she likes to jump, climb and active physically when she was small.

So I tried to send her to Little Gym for trial. She was hooked to gym ever since. I send her for nearly 3 years to Little Gym.

Little Gym teaches casual gymnastics for kids rather than for competition. Over the years, my daughter found Little Gym classes were becoming easy for her.

I started to look for more intensive gymnastics training and I found Motion Gym to be nearby my house at Kota Damansara.

So I let her joined for one trial class and Aliesha was really liked it because she said it is more challenging than Little Gym.

Motion Gym Class

Motion Gym has different levels. Beginners level starts at level 1 and 2. Motion Gym will conduct an assessment to move up the level.

Before class starts, the kids have to do warming up by running around the gym class, jumping and other warming up technics to loosen their muscles.

For Level 1 & 2, class lasts for 1.5 hour.

motion gym class stretching
motion gym class stretching
motion gym class training
motion gym class training

Facilities

motion gym facilities
motion gym facilities
motion gym facilities
motion gym facilities
motion gym facilities
motion gym facilities

Fees

All monthly fees are valid as of 9th June 2019. Please check directly with Motion Gymnastics for latest fee.

Motion Gym Fee - Kinder Gym 6 - 7 years old - 1 hour

Fee (RM) \ LessonLesson - Once A WeekLesson - Twice A Week
Pay Monthly200340
Pay 3 months (discount 10%)540918
You Saved60102
Pay 6 months (discount 15%)1,0201,734
You Saved180306
Pay 1 year1,9203,264
You Saved480816

Level 1 & 2: Motion Gym Fee - Motion Gym - 7 years old and above - 1.5 hour

Fee (RM) \ LessonLesson - Once A WeekLesson - Twice A Week
Pay Monthly235400
Pay 3 months (discount 10%)6351,080
You Saved70120
Pay 6 months (discount 15%)1,1192,040
You Saved211360
Pay 1 year2,2563,840
You Saved564960

Level 3 & 4: Motion Gym Fee - Motion Gym - 7 years old and above - 1.5 hour

Fee (RM) \ LessonLesson - Once A WeekLesson - Twice A Week
Pay Monthly255440
Pay 3 months (discount 10%)6891,188
You Saved76132
Pay 6 months (discount 15%)1,3012,244
You Saved229396
Pay 1 year2,4484,224
You Saved6121,056

Level 5 & 6: Motion Gym Fee - Motion Gym - 7 years old and above - 1.5 hour

Fee (RM) \ LessonLesson - Once A WeekLesson - Twice A Week
Pay Monthly275480
Pay 3 months (discount 10%)7431,296
You Saved82144
Pay 6 months (discount 15%)1,4032,448
You Saved247432
Pay 1 year2,6404,608
You Saved6601,152

Schedules

All schedules are valid as of 9th June 2019. Please check directly with Motion Gymnastics for latest schedules.

Motion Gym - Schedules
Motion Gym – Schedules

Recommendation

In term of training, it is much intensive compared to Little Gym. The kids learn different skills.  such as cartwheel, balance beam and front handspring. Motion Gym also conduct frequent assessment to evaluate the gymnasts level.

It seems there is one coach for every 5 gymnasts. They ensure the kids really learn the skills by asking them to repeat it till they do it correctly.

In term of facilities, it is a bit run down and sometime smelly and small space of waiting area for parents..

In term of fee, it is reasonable with 1.5 hours of training and furthermore Motion Gym offers discount if you pay 3 months or more.

The Motion Gym is located at Cova Square. The place is a bit scary cause lack of lighting, run down and lots of foreigners.

Even with its negativity, I still send my daughter to Motion Gym because I found that the training is intensive and the coaches are committed in teaching the kids.

Location

motion gymnastics cova square
motion gymnastics cova square

L1-11, Cova Square,
Jalan Teknologi Kota Damansara,
47810 Petaling Jaya, Selangor.

Google Map

Contact Details:

Coach Hong: 016- 688 3835
Coach Kit: 016- 489 7722

Website: Motion Gym

 

 

Cendol di Kota Bahru Kelantan @ Best Cendol

For this year Raya Aidilfitri, I went back to my parents in law hometown Kota Bahru, Kelantan.

I went to try one of best cendol in Kota Bahru called Best Cendol. It is a food truck at a parking and they provide you with table and chair if you want to eat in the cendol.

best cendol kota bahru kelantan
best cendol kota bahru kelantan
best cendol kota bahru kelantan
best cendol kota bahru kelantan

The cendol comes with pulut nasi. A bowl of cendol is RM3.50 which I found a bit expensive.

best cendol kota bahru kelantan
best cendol kota bahru kelantan

I ate one bowl at the place and I also took away 3 cendols.

best cendol kota bahru kelantan
best cendol kota bahru kelantan

I like the taste of the cendol and the big red beans were really tasty.

Location:

Latlong: 6.12685,102.24191

Best Cendol Location on Google Map

Contact Details:

Telephone: 019 267 2116

Best Cendol Facebook homepage.

 

 

Malaysia Property Transaction

I compiled the property transaction by year and subsector for time being is only for residential as I personally only invest in residential property.

Data source is from JPPH.

Total Property Transaction by Volume & Value

YearVolume of Transaction ('000)Change in Volume of Transaction (%) year on yearValue RM(billion)Change in Value (%) year on year
1990
148.20N/A15.16
N/A
1991164.00
10.7
17.32
14.2
1992168.27
2.6
20.27
17.0
1993178.05
5.8
22.44
10.7
1994217.54
22.2
29.70
32.4
1995251.89
15.8
39.85
34.2
1996270.53
7.4
48.99
22.9
1997274.75
1.6
53.21
8.6
1998186.08
-32.3
27.90
-47.6
1999225.89
21.4
34.42
23.4
2000240.06
6.3
41.31
20.0
2001242.63
1.1
38.63
-6.5
2002231.39
-4.6
38.64
0.0
2003243.38
5.2
43.43
12.4
2004293.21
20.5
59.96
38.1
2005276.51
-5.7
56.78
-5.3
2006283.90
2.7
61.60
8.5
2007309.46
9.0
77.14
25.2
2008340.24
9.9
88.34
14.5
2009337.86
-0.6
81.00
-8.3
2010376.59
11.4
107.44
32.6
2011430.40
14.3
137.83
28.3
2012427.52
-0.7
142.84
3.6
2013381.13
-10.9
152.37
6.7
2014384.06
0.8
162.97
7.0
2015362.11
-5.7
149.90
-8.0
2016320.43
-11.5
145.41
-3.0
2017311.82
-2.7
139.84
-3.8
2018313.710.6140.330.3

Residential Property Transaction by Volume & Value

YearVolumeValue RM(million)
2001176,208
22,199.2
2002162,269
21,136.7
2003164,723
23,011.2
2004195,243
29,295.8
2005181,762
28,407.3
2006182,555
29,446.9
2007199,482
36,490.6
2008216,702
41,304.0
2009211,653
41,848.4
2010226,874
50,654.2
2011269,789
61,831.6
2012272,669
67,762.2
2013246,225
72,060.4
2014247,251
82,059.6
2015235,967
73,469.9
2016203,064
65,574.43
2017194,684
68,463.23
2018197,38568,748.26

Malaysia Residential Property Overhang Statistics for Y2018

Residential Property Overhang for Year 2018 categorized by type of property and value.


Residential Property Overhang By Price Range Y2018

Price Range (RM)UnitsValue RM(million)
Total 32,313 19,861.93
Below RM200,000 4,692 570.02



RM201,000 - RM300,000 7,566 1,829.21
RM301,000 - RM500,000 7,517 2,915.25
Above RM500,000 12,538 14,547.45

Residential Unsold Units Under Construction as of Q4, 2018

Price RangeTerrace Semi Detach DetachHigh Rise Low Cost OthersTotal
Percentage36.67% 7.21% 1.71% 49.74% 1.81% 2.87% 100.00%
Below RM150,000



2,101




291




0



2,754




1,459 279



6,884




RM151,000 - RM300,000 11,932 614 116 14,486 0 399 27,547
RM301,000 - RM500,000 8,735 1,633 344 10,347 0679 21,738
RM501,000 - RM1,000,000 6,007 1,772 508 10,958 0 921 20,166
> RM1,000,000809 1,504 411 1,591 034
4,349
Total 29,584 5,814 1,379 40,136 1,459 2,312 80,684

Residential Unsold Units Not Constructed as of Q4, 2018


Price Range Terrace Semi Detach Detach High Rise Low Cost Others Total
Percentange17.48%6.80%1.42%71.29%1.21%1.80%100.00%
< RM150,000
303
393
0
240
240 0 1,176
RM151,000 - RM300,000
2,353
387
08,410
0 101
11,251
RM301,000 - RM500,000
315
199
260
2,405
003,179
RM501,000 - RM1,000,000
416
286
02,753
0 32
3,487
> RM1,000,00086
86
22
354
0224
772
Total 3,473
1,351
282

14,162
240 357
19,865

Malaysia Residential Property Overhang

Trend of Malaysia Residential Property Overhang year on year from Y2014 in term of number of unit and value RM(million).


Details Statistics:

Residential Property Overhang Statistics for Y2018

Source:

JPPH Residential Property Overhang Q4, 2018

Maybank Housing Loan Statement

I like to keep all my housing loan statement for my reference purposes. Some banks charge a fee to get the housing loan statement.

Maybank allows you to download the loan statement from Maybank2u. You can download the loan statement since disbursement.

Steps To Download Your Housing Loan Statement

Step 1: Login to your Maybank2u and click on Loan.

maybank housing loan statement
maybank housing loan statement

Step 2: Click on View Statement at bottom of the page.

maybank housing loan statement
maybank housing loan statementn

Step 3: Select the date you want to download. The date will display since your loan disbursement.

maybank housing loan statement
maybank housing loan statement
maybank housing loan statement
maybank housing loan statement

Step 4: Then download the softcopy to your computer.

Debt Service Ratio (DSR) Tells How Much You Can Borrow

What is Debt Service Ratio?

Debt Service Ratio (DSR) is a way for banks to determine whether you are eligible to get a property loan from them.

DSR formula as follows:

DSR = Commitment / Net Income.

Net income is your gross income after deducting EPF and income tax portion.

Allowable DSR

Income Bank maximum allowable DSR
< RM3000 60% of Net Income
< RM6000 70% of Net Income
< RM10,000 75% of Net Income
> RM10,000 80% of Net Income

Notes: Different banks have their own allowable DSR. Above table as guideline only.

DSR Calculation

For new loan application the DSR is calculated the same for all banks but for refinancing the DSR is calculated differently.

New Housing Loan

Let say:

Monthly Income:

Gross Income: RM10,000
EPF Deduction: RM1,000
Income Tax Deduction: RM1,000
Net Income: RM8,000

Monthly Commitment:

Credit Card: RM200
PTPTN: RM100
ASB Loan: RM200
Personal Loan: RM500
Car Installment: RM1,000

Total Commitment:RM2,000

DSR (without new property loan) = RM2,000 / RM8,000
= 25%

Assuming you apply new property loan with monthly installment of RM2,000.

So the DSR would be:

DSR (with the new property loan) = RM4,000 / RM8,000= 50%.

Based on the table allowable DSR, you are still eligible to apply for the housing loan.

Refinancing Loan

Most bank will use similar DSR calculation as the new loan except for Maybank. According to Maybank for the cash out portion they would calculate based maximum tenure of 10 years and the original amount can go to maximum tenure either 30 years or maximum age of 70 years old.

The cash out calculation is only for DSR calculation but if Maybank approves the refinance, you still pay your monthly installment based on maximum tenure.

Calculation Example:

Outstanding amount of the original loan: RM100,000
Refinancing loan amount: RM200,000
So cash out = RM200,000 – RM100,000 = RM100,000

New Refinancing loan interest: 5%

The cash out monthly is calculated on RM100,000 based on 5% interest for 10 years which come to: RM1,061

While the outstanding amount of RM100,000 will be calculated based on 5% interest and tenure of 30 years which come to: RM536

So the monthly loan amount for DSR calculation is RM1,597

DSR (for Maybank) = (RM1,597 + RM2,000) / RM8,000 = 45%

Other banks will calculate RM200,000 based on 5% interest for 30 years which come to: RM1,074

DSR (other banks) = (RM1,074 + RM2,000) / RM8,000 = 38%

So other banks give lower DSR so easier to qualify for a loan. However usually, Maybank gives lower interest rate.