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.
Sangat mudah untuk masak resipi ini asalkan barang yang diperlukan ada tersedia.
Mula- mula perlu marinate ayam dengan garam, tepung jagung + tepung ubi, sedikit black paper. Goreng dahulu ayam kemudian barulah boleh sediakan sosnya pula.
Bahan-Bahan untuk sos;
Butter
Bawang putih (potong dadu)
Daun kari
Cili padi
Half kiub pati ayam (Brand knorr)
Salted egg powder (kalau takde boleh rebus telur masin, ambil kuningnya sahaja dan lecekkan)
2 keping cheese (Brand Singles)
Fresh milk
Tepung jagung (mixed dgn air)
Gula
Cara menyediakan sos;
Buka api kecil dan masukkan butter. Tumis daun kari sehingga naik bau dan masukkan bawang putih + cili padi + kiub ayam.
Apabila kekuningan sedikit masukkan salted egg + cheese slices + fresh milk. Sentiasa gaulkan dan ditambah tepung jagung dan gula. Ikut kepekatan yang disukai.
Last sekali barulah masukkan ayam dan gaul sekata. Siap!
The longest term for passport you can have is maximum of 5 years. So 5 years it is … the hassle that i need to overcome – of all tedious process for my Indonesian Maid passport renewal.
This round ‘year 2019’ am a bit relieved knowing that they have simplify the processes but still after i jadi mangsa dulu… 🙁
If you want to reduce hassle may take one or two tips i share down here >>
Some of them were not allow to go in for passport renewal because they didn’t have queue number “angka giliran’.
haha… nasib i observe surrounding. Mula lah gabra.. ehh how to get that number, and yang silapnya ‘ulat-ulat’ kat tepi tu mula approach i….. Kak kalau mau no gilirannya saya boleh tolong dapatkan… sekarang tiada nombor sudah lagi sebulan baru nombor ada. Kena cepat dapatkan nombor … hmm apelagi panik la.. nanti kalau tak dapat dah satu hal maid nak balik kampung passport kena perbaharui.
Kitorang pun macam anak itik ikut diorang kat kedai bebetul tepi parking exit tu. Diorang berlakon ala-ala busy mintak dokumen, depan PC, konon ambil gambar maid guna handphone submit online. Bayar RM70 okay!!!
Rupanya you need to register online to get queue number. Balik rumah try google… alahai.. boleh buat sendiri online .. and its free… omg! (tepuk dahi).. bape ramai la mangsa dorang tadi. modus operandi cakap no dah habis… dorang ada reserve number. Bengong pergi percaya buat apa.
Embassy won’t allow any walk in visitors/ guests/ employer without queue number to enter. Dont dream they let you in … go home and get your appointment date online. You have to come on the right scheduled date and time with printed QR Code.
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
My house has a high ceiling, last time I installed a ceiling fan with short down rod. It was hard to clean up and over the years it was becoming slow due to dust.
High Ceiling Fan
So I had to install new one with long down rod. I measured and I needed a 160 cm down rod.
Buying Ceiling Fan, Long Down Rod, Spray Paint & Safety Cable
I went to a hardware shop to buy new ceiling fan. I chose KDK due to its reliability.
The KDK ceiling fan cost me around RM300.
KDK Ceiling Fan
I asked the seller whether the ceiling fan could support long down rod and whether they had available down rod. Fortunately they had the 160cm down rod that I needed.
White Down rod
Then I bought brown spray paint to spray the white down rod.
Spray paint the white down rod
At same time, I needed to buy cable to replace the short safety cable.
use normal cable as ceiling fan safety cablestandard short ceiling fan safety cable
Electrical Contractor
I managed to get good electrical & affordable contractor to install my ceiling fan. I did ask few contractors most of them charge around RM500. But this contractor only charge RM340.
Installing high ceiling fan is expensive because the contractor has to set up a scaffolding or a staging for easier installation. The contractor also will lengthen the ceiling fan electrical cable. Unfortunately by doing this it will void the ceiling fan warranty.
Scaffolding StagingInstallation of high ceiling fan
It took around 1 hour an half to complete the job. I was really satisfied with their workmanship and professionalism. The ceiling fan is very stable. Not much swaying from left or right.
Last Saturday, I went to sign Form 14A to transfer master title of my apartment from PKNS (developer) to my name.
So I asked the appointed lawyer on the process. She diligently explained it to me the process, estimated timeline and estimated fee.
scribble that my lawyer did to explain the strata title change process
I redraw the scribble on paper for me to understand more the process. Here is the outcome.
strata title transfer process
Overall process to transfer the strata title will take around 17 months.
There are 2 payments to be made. One is during the POT and second during the POC.
Perfection of Transfer (POT) – to insert owner name into the strata title. Estimated timeline is 9 – 10 months. The fee is calculated based on S&P price.
Perfection of Charge (POC) – to insert bank name into the strata title if the property still has loan on it. Estimated timeline is 4-5 months. The fee is calculated based on loan amount.
Required Documents
S&P document
DOA (deeds of assignment)
Quit rents payment
Owner’s IC
Required Clarification From Lawyer
After doing the process flow, I noticed few things that I don’t understand as listed below. I will get more clarification from the lawyer and will update my post accordingly.
From the process flow diagram – (7) / (8) bank direct to LHDN or via lawyer?
From the process flow diagram – (9)/(10) LHDN direct to PTG or via Lawyer?
From the process flow diagram – (9) what is adjudication for?
Can use lawyer appointed by developer for bank to complete the POC?
Fee calculation for POC & POT
Definitions:
POT: Perfection of Transfer
A process to insert owner name into the strata title.
POC: Perfection of Charge
A process to insert bank into the strata title if the property still has loan.
DRR: Deed of Receipt & Reassignment Process
A process to remove bank’s mortgage from the strata title
I wanted to reduce my CIMB Home Loan so I called CIMB call centre on how to do it. It was really surprising how easy it is.
Just login to your CIMB Clicks account. You will see your home loan at the dashboard.
1) As usual, when you want to pay for your Home Loan, you click:
Pay & Transfer -> Pay Loans & Cards.
CIMB Home Loan Reduce Principal via CIMB Clicks
2) Then select, your home loan account. At bottom on payment option, you choose Reduce Loan Principal.
CIMB Home Loan Reduce Principal via CIMB Clicks
3) After the transfer, go immediately to your CIMB Clicks dashboard, the home loan principal will be reduced immediately based on your transfer amount.
Berikut merupakan contoh surat yang perlu dibawa bersama sekiranya majikan tidak dapat melakukan urusan kontrak pembantu kerja di kedutaan Indonesia. Contoh dibawah adalah sekiranya majikan adalah suami kepada wakil bagi urusan tersebut;
DD/MM/YR
Kedutaan Besar Republik Indonesia, Kuala Lumpur
233 Jalan Tun Razak, Imbi,
50400 Kuala Lumpur
Tuan,
SURAT MAJIKAN MEWAKILKAN ISTERI UNTUK URUSAN PERPANJANGAN KONTRAK KERJA PEMBANTU RUMAH INDONESIA (no passport)
Merujuk perkara di atas.
Saya sebagai majikan kepada pembantu rumah dari Indonesia (Ms Jane Doe – no passport) mewakilkan isteri saya untuk melakukan urusan perpanjangan kontrak kerja pembantu rumah di Kedutaan Besar Republik Indonesia, Kuala Lumpur (KBRI).
Berikut merupakan maklumat bagi rujukan Tuan;
Maklumat Majikan
Nama: Mr X
No IC: XX
No Phone: XXX-XXXX
Maklumat Wakil (isteri)
Nama: Mrs XY
No K/P: XX
No Phone:XXX-XXXX
Bersama ini disertakan dokumen untuk tujuan tersebut. Kerjasama Tuan terhadap urusan ini didahului dengan ucapan terima kasih.
Here is sample of letter for maid balik kampung prepared by employer;
Date/Month/Year
U/P: Pihak yang Berkenaan
Tuan,
KEBENARAN PULANG BERCUTI BAGI PEMBANTU RUMAH
NAMA : Mrs. Jane
PASSPORT INDONESIA : XXNOXX
Merujuk perkara di atas, saya dengan ini memberi kebenaran untuk bercuti selama 2 bulan dari tarikh berangkat pulang ke Indonesia (date) sehingga tarikh pulang ke Malaysia (date) kepada pembantu rumah saya yang namanya dinyatakan di atas. Berikut adalah maklumat penerbangan beliau;
Bil
Penerbangan AirAsia
Tarikh
1
Kuala Lumpur, Malaysia ke Surabaya, Indonesia (flight no)
Date
2
Surabaya, Indonesia ke Kuala Lumpur, Malaysia (flight no)
Date
Sukacita pihak Tuan dapat permudahkan urusan beliau dalam perjalanan pulang ke kampung halaman dan kembali semula ke Malaysia untuk kembali bertugas dengan selamat tanpa ganguan dan apa jua halangan.
Sepanjang pengetahuan saya, tidak wujud undang-undang bertulis Negara Indonesia yang mewajibkan apa jua pembayaran tambahan dibuat oleh pembantu rumah yang pulang sekiranya kepulangan pembantu rumah tidak disertai dengan surat pengesahan cuti dari majikan berdasarkan hujah bahawa hal ehwal pemberian cuti adalah urusan peribadi untuk pengesahan pembantu rumah dengan pihak Imigresen Malaysia sahaja dan ianya tidak mempunyai kaitan dengan mana-mana pihak di Indonesia.
Seandainya pembantu rumah saya dan/atau rakan-rakannya yang pulang bersama-sama dengannya dikenakan apa jua bayaran tambahan, sila pihak tuan terlebih dahulu mengemukakan dengan jelas, bukti referansi kepada Undang-Undang Ketenagakerjaan Indonesia atau peraturan imigrasi ataupun aturan fiskal Indonesia yang menjadi sumber hukum yang jelas menyokong tindakan menuntut bayaran tambahan tersebut.
Sekiranya wujud undang-undang seperti itu, setiap dan tiap-tiap pembayaran mestilah disokong dengan pengeluaran karcis/ resit rasmi sebagai bukti pembayaran telah dibuat dengan benar yang dikeluarkan oleh pihak tuan. Rujukan adalah dibuat kepada Pasal 23 (2) Undang-Undang Dasar Republik Indonesia 1945 BAB VIII – HAL KEUANGAN yang menyatakan bahawa “Segala pajak untuk keperluan negara berdasarkan undang-undang’.
Seandainya pihak tuan masih memerlukan apa-apa pengesahan, saya boleh dihubungi ditalian (employer contact number). Segala bantuan dari pihak Tuan dalam memudahkan urusan keluar masuk pembantu rumah saya amat dihargai dan didahului dengan ucapan terima kasih.
Yang benar,
…………………………..
Employer name
Salinan pendua: Kedutaan Besar Republik Indonesia, Kuala Lumpur
