We discover this menu from Absolute Thai Restaurants and later at Boat Noodles. Husband been loving this dishes and requested me to add in my home cook menu list.
That what i loved to hear, since he doesn’t eat seafood and meat. Always the chicken and i need varieties and options. After few attempt i believe am good at it. I share with you here the recipe;
Thai dishes – Chicken Pad Krapow
Ingredients;
Minced chicken
olive oil
shallots (smash or pounded)
ginger (pounded)
onion (slice)
chilies (small slice)
oyster sauce
soy sauce
chicken broth
white sugar
brown sugar
Basil leaf (finely chopped)
salt
How to cook;
heat your frying pan and add some olive oil
fry the minced chicken until brownish
squeeze the chicken to the side of the pan
add shallots, ginger, onion, and chilies until – fry until yellowish.
then mix together with the chicken
mix ingredients for the sauces before hand (oyster sauce, soy sauce, chicken broth, white sugar, brown sugar)
Add in the ready mix sauce into the pan.
stir until the sauce caramelize with the chicken.
add some salt and turn of the stove.
Lastly mix the chopped basil leaf and stir with the chicken.
Ready to eat!! I would suggest to eat together with Tomyam Soup, Omelette and Salted Fish Fried Kailan.
I want to refinance one of my properties. I want to know what is the differential interest rate that worth it for me to refinance. I read few articles some articles suggest to refinance if the interest difference is 2%. But sometime it is acceptable if 1%.
Without getting firm rules of thumb from reading few articles. I decided to calculate myself what would be the good rules of thumb to refinance mortgage.
Reasons to Refinance Mortgage
First let say what would be possible reasons to refinance.
To Lower Monthly Payment
To Change from Floating Interest Mortgage to Fixed Interest Mortgage
To Cash Out To Use the Money for Personal or Investment
To Shorten The Mortgage Tenure
In my case, I want to cash out and use the money for investment. My intention is to park the cash out money into ASB (Amanah Saham Bumiputra) earning yearly dividend of 7%.
Refinance Analysis
Below is the scenario that I use to do my analysis.
The current housing loan is already being paid for the last 10 years. So the tenure balance is another 20 years.
The interest is fixed during the tenure even though it is a floating interest.
Refinance Mortgage Costs:
When refinance, there will be cost as follows:-
Legal fee for the loan documents.
MRTA or MLTT (I use MRTA and wants its to cover the loan for 10 years only)
Legal fee on strata title or MOT as to charge to the new bank
Property valuation fee.
housing loan refinancing cost
Explanation Of Terms Used
analysis refinance interest spread
Interest Difference
The difference between the current loan interest rate vs the refinancing loan @ new loan.
Effective Rate
Interest of the refinancing loan.
Tenure (years)
In the analysis, I use the remaining 20 years to refinance the previous loan balance.
Monthly Installment
The monthly payment for the refinancing loan.
Total Interest Paid
Total interest paid for the refinancing loan over 20 years of tenure
Total Saving Over Tenure
Total saving from reduction of interest paid (the difference between previous loan vs refinancing loan) plus total monthly installment save from the previous loan vs refinancing loan over 20 years of tenure.
Net Saving
Total Saving Over Tenure minus out the refinancing cost.
CAGR Net Saving / Financing Cost
CAGR is over 20 years. The bigger the number the better.
Opportunity Lost @ 7%
By how much the refinancing cost will grow by putting it into ASB and earning 7% per year over 20 years.
Conclusion
The acceptable return is when the interest difference is 1.25% as CAGR is 6.60% and Total Saving / Opportunity Lost is 113.70% means total saving can cover the refinancing cost with dividend 0f 7%.
Important to notes even at 1% interest difference the CAGR is at 5.16% and Total Saving / Opportunity Lost is 92.43% which I think is commendable return.
I bought Yamaha Digital Drums DTX-452K for Hadeef to practice his drums.
I chose digital drums because we can control its volume and it doesn’t require so much space like acoustic drums.
As advised by Hadeef’s drum teacher, we bought Edifier XM6BT as DTX-452K sound system. The Edifier can be controlled via my smartphone and at same time has its own remote control. The Edifier I bought at Harvey Norman and it costs RM319.
Edifier Speaker XM6BT
I bought the Yamaha Digital Drum from Yamaha Setia Alam.
Yamaha Setia Alam DTX-452KYamaha Digital Drum installation by Yamaha Setia Alam
No
Item
Bought At
Price (RM)
1
Yamaha Digital Drum DTX-452K
Yamaha Setia Alam
3,190
2
Edifier
Harvey Norman Setia Alam
319
3
Yamaha Headphone
Yamaha Setia Alam
80
4
Audio Cable
All IT, Ikano
61
Total
3,650
belkin audio cable – to connect from Edifier to Yamaha DTX-452K
Overall I’m satisfied with the drums except the bass drum pedal screw is not correctly tighten. I have to send back to Yamaha Setia Alam.
The Monetary Policy Committee (MPC) of Bank Negara Malaysia decided to reduce the Overnight Policy Rate (OPR) to 3% at its meeting on Tuesday 07/05/2019. This was the first time since July 2016,
It said the ceiling and floor rates of the corridor for the OPR are correspondingly reduced to 3.25% and 2.75% respectively.
I would like to see and monitor which banks follows accordingly, so it would be easier to decide which bank is suitable for property loans.
Saya dah beberapa kali pergi ke Kedai Buku SK Buku Jelutong. Bila sampai je rupa-rupanya tutup. Ini mengelakkan perkara yang sama berlaku, saya simpan waktu operasi kedai buku SK Bukit Jelutong untuk rujukan saya dan orang lain.
This Saturday, I went to Atria OSK Property Showroom. I asked the receptionist about the furniture and fittings provided for my Type B – Lifestyle unit.
He gladly printed me the furniture and fittings for my unit.
I didn’t know that OSK provided curtain/blind for my unit.
At same time, the receptionist informed me expected Vacant Possession is by June 2019.
windmill upon hills furniture and fittings
While at the OSK Property Showroom, I took the opportunity to take photos of Windmill Upon Hills mock up.
windmill upon hills gentingwindmill upon hills gentingwindmill upon hills gentingwindmill upon hills genting
