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	<title>:: HawkEYE Expression :: &#187; tips</title>
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			<item>
		<title>Bijak Wang at tv3 ~ regarding buying house</title>
		<link>http://blog.namran.net/2009/07/12/bijak-wang-at-tv3-regarding-buying-house/</link>
		<comments>http://blog.namran.net/2009/07/12/bijak-wang-at-tv3-regarding-buying-house/#comments</comments>
		<pubDate>Sun, 12 Jul 2009 08:54:54 +0000</pubDate>
		<dc:creator>namran</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[hartanah]]></category>
		<category><![CDATA[housing loan]]></category>
		<category><![CDATA[kwsp]]></category>
		<category><![CDATA[tips]]></category>

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		<description><![CDATA[I managed to watch a show at tv3 on the Saturday Evening, 11th July 2009 around 7p.m.

This show is sponsored or co-host by the Maybank i think&#8230;

Nevertheless, the tip given are much eye-opening and also great guidance to those in need or undecided..
Such as me.. heheeh.. 
well.. got one jury , to talk.. and discuss.. [...]

<div class="post-fixed">
Related posts:<ol><li><a href='http://blog.namran.net/2010/02/07/overdraft-facility-talk-at-bijak-wang-tv3/' rel='bookmark' title='Permanent Link: Overdraft facility talk at bijak wang tv3'>Overdraft facility talk at bijak wang tv3</a></li><li><a href='http://blog.namran.net/2010/01/10/aliran-tunai-bijak-wang-tv3-9-januari-2010/' rel='bookmark' title='Permanent Link: Aliran Tunai &#8211; Bijak Wang Tv3 9 Januari 2010'>Aliran Tunai &#8211; Bijak Wang Tv3 9 Januari 2010</a></li><li><a href='http://blog.namran.net/2009/11/01/konsep-asas-dalam-bidang-saham-bijak-wang-30-oct-2009/' rel='bookmark' title='Permanent Link: Konsep Asas Dalam bidang saham &#8211; Bijak Wang 30 Oct 2009'>Konsep Asas Dalam bidang saham &#8211; Bijak Wang 30 Oct 2009</a></li></ol>]]></description>
			<content:encoded><![CDATA[<p>I managed to watch a show at tv3 on the Saturday Evening, 11th July 2009 around 7p.m.</p>
<p><a href="http://blog.namran.net/wp-content/uploads/2009/07/bijak-wang-at-tv3.jpg"><img src="http://blog.namran.net/wp-content/uploads/2009/07/bijak-wang-at-tv3-300x270.jpg" alt="bijak-wang-at-tv3" title="bijak-wang-at-tv3" width="300" height="270" class="alignnone size-medium wp-image-2460" /></a></p>
<p>This show is sponsored or co-host by the Maybank i think&#8230;</p>
<p><a href="http://blog.namran.net/wp-content/uploads/2009/07/maybank-akan-kembali.jpg"><img src="http://blog.namran.net/wp-content/uploads/2009/07/maybank-akan-kembali-300x270.jpg" alt="maybank-akan-kembali" title="maybank-akan-kembali" width="300" height="270" class="alignnone size-medium wp-image-2461" /></a><br />
Nevertheless, the tip given are much eye-opening and also great guidance to those in need or undecided..<br />
Such as me.. heheeh.. </p>
<p>well.. got one jury , to talk.. and discuss.. and also can receive call from audience..</p>
<p>some case study presented this time is about buying a house..</p>
<p>is it worth to pay about RM 990.00 per month for a house valued as RM 110,000 for 20 years ?<br />
<span id="more-2459"></span></p>
<p>which will ended up you actually paying for ..</p>

<div class="wp_syntax"><div class="code"><pre class="matlab" style="font-family:monospace;">RM <span style="color: #33f;">990.00</span> x 20year x <span style="color: #33f;">12</span> month  = RM <span style="color: #33f;">237</span>,<span style="color: #33f;">600.00</span></pre></div></div>

<p>or is it better to rent for RM 500.00 a month and save another RM 500.00 into a saving account for 10 years.<br />
then only get the house at that moment ? which is when you&#8217;re already having saving of ..</p>

<div class="wp_syntax"><div class="code"><pre class="matlab" style="font-family:monospace;">RM <span style="color: #33f;">500</span> x 10year x 12month = RM <span style="color: #33f;">60</span>,<span style="color: #33f;">000.00</span> <span style="color: #080;">&#40;</span>excluding the <span style="color: #33f;">6</span>-<span style="color: #33f;">8</span><span style="color: #228B22;">% dividen given each year.)</span></pre></div></div>

<p>all.. you need just just another extra RM 50,000.00 which can be settled within 10-12 year or so.<br />
which is causing you pay the service just another RM 5-7k more.</p>
<p>Well..</p>
<p>these is the screenshot from the show..</p>
<p>1. the other commitment and stuff that have to be considered..<br />
( someone said something about Return Of Investment ~ ROI ~  )<br />
<a href="http://blog.namran.net/wp-content/uploads/2009/07/rumah-idaman-pertimbangan-lain.jpg"><img src="http://blog.namran.net/wp-content/uploads/2009/07/rumah-idaman-pertimbangan-lain-300x270.jpg" alt="rumah-idaman-pertimbangan-lain" title="rumah-idaman-pertimbangan-lain" width="300" height="270" class="alignnone size-medium wp-image-2462" /></a></p>
<p>2. Source of the financing.. </p>
<p><a href="http://blog.namran.net/wp-content/uploads/2009/07/sumber-pembiayaan.jpg"><img src="http://blog.namran.net/wp-content/uploads/2009/07/sumber-pembiayaan-300x270.jpg" alt="sumber-pembiayaan" title="sumber-pembiayaan" width="300" height="270" class="alignnone size-medium wp-image-2463" /></a></p>
<p>3. KWSP account II withdrawal for the 1st &#038; 2nd house financing..</p>
<p><a href="http://blog.namran.net/wp-content/uploads/2009/07/sumber-pembiayaan-dr-akaun2.jpg"><img src="http://blog.namran.net/wp-content/uploads/2009/07/sumber-pembiayaan-dr-akaun2-300x270.jpg" alt="sumber-pembiayaan-dr-akaun2" title="sumber-pembiayaan-dr-akaun2" width="300" height="270" class="alignnone size-medium wp-image-2464" /></a></p>
<p>4.Finance sourcing&#8230;<br />
 <a href="http://blog.namran.net/wp-content/uploads/2009/07/sumber-pembiayaan-rumah.jpg"><img src="http://blog.namran.net/wp-content/uploads/2009/07/sumber-pembiayaan-rumah-300x270.jpg" alt="sumber-pembiayaan-rumah" title="sumber-pembiayaan-rumah" width="300" height="270" class="alignnone size-medium wp-image-2465" /></a></p>
<p>5. Screenshot from KWSP counter..<br />
(you can get the status of approval within a day or two.. no need agent.. said the presenter..)</p>
<p><a href="http://blog.namran.net/wp-content/uploads/2009/07/kwsp-untuk-beli-rumah.jpg"><img src="http://blog.namran.net/wp-content/uploads/2009/07/kwsp-untuk-beli-rumah-300x270.jpg" alt="kwsp-untuk-beli-rumah" title="kwsp-untuk-beli-rumah" width="300" height="270" class="alignnone size-medium wp-image-2466" /></a></p>
<p>6. case study 1&#8230;</p>
<p>a 120k .. single storey house?</p>
<p><a href="http://blog.namran.net/wp-content/uploads/2009/07/rumah-teres-120ribu.jpg"><img src="http://blog.namran.net/wp-content/uploads/2009/07/rumah-teres-120ribu-300x270.jpg" alt="rumah-teres-120ribu" title="rumah-teres-120ribu" width="300" height="270" class="alignnone size-medium wp-image-2467" /></a></p>
<p>7. the example calculation for upfront payment that have to be forked out first..<br />
<a href="http://blog.namran.net/wp-content/uploads/2009/07/rumah-teres-120ribu-2.jpg"><img src="http://blog.namran.net/wp-content/uploads/2009/07/rumah-teres-120ribu-2-300x270.jpg" alt="rumah-teres-120ribu-2" title="rumah-teres-120ribu-2" width="300" height="270" class="alignnone size-medium wp-image-2468" /></a></p>
<p>8.  a case study of &#8230;</p>

<div class="wp_syntax"><div class="wp_syn_hdr">case study finale..</div><div class="code"><pre class="txt" style="font-family:monospace;">a 27years old man, 
want to buy an apartment at Damansara Damai Sg Buloh, 
with 3bedroom and 2washroom.. 
with the price tag of about RM 70k.</pre></div></div>

<div class='tip'>
<p>
This case study look so familiar/similar to me&#8230; hehee..<br />
is fully co-incidental ..
</p></div>
<p><a href="http://blog.namran.net/wp-content/uploads/2009/07/damansara-damai-umur-27thn.jpg"><img src="http://blog.namran.net/wp-content/uploads/2009/07/damansara-damai-umur-27thn-300x270.jpg" alt="damansara-damai-umur-27thn" title="damansara-damai-umur-27thn" width="300" height="270" class="alignnone size-medium wp-image-2469" /></a></p>
<p>anyway .. i think it is a great show.. and it just very short.. ended at 7.30 pm.</p>
<p>p/s : there is a ads during the show interval &#8230; showing the wifey cut off the credit from her husband&#8230; replacing with just one credit card..<br />
~ maybank credit card.. ~hehehehee ..</p>



<div class="post-fixed"><p>Related posts:<ol><li><a href='http://blog.namran.net/2010/02/07/overdraft-facility-talk-at-bijak-wang-tv3/' rel='bookmark' title='Permanent Link: Overdraft facility talk at bijak wang tv3'>Overdraft facility talk at bijak wang tv3</a></li><li><a href='http://blog.namran.net/2010/01/10/aliran-tunai-bijak-wang-tv3-9-januari-2010/' rel='bookmark' title='Permanent Link: Aliran Tunai &#8211; Bijak Wang Tv3 9 Januari 2010'>Aliran Tunai &#8211; Bijak Wang Tv3 9 Januari 2010</a></li><li><a href='http://blog.namran.net/2009/11/01/konsep-asas-dalam-bidang-saham-bijak-wang-30-oct-2009/' rel='bookmark' title='Permanent Link: Konsep Asas Dalam bidang saham &#8211; Bijak Wang 30 Oct 2009'>Konsep Asas Dalam bidang saham &#8211; Bijak Wang 30 Oct 2009</a></li></ol></p>]]></content:encoded>
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		</item>
		<item>
		<title>95% of blog have gone dark, any lesson to learn from</title>
		<link>http://blog.namran.net/2009/06/10/95-of-blog-have-gone-dark-any-lesson-to-learn-from/</link>
		<comments>http://blog.namran.net/2009/06/10/95-of-blog-have-gone-dark-any-lesson-to-learn-from/#comments</comments>
		<pubDate>Wed, 10 Jun 2009 03:41:18 +0000</pubDate>
		<dc:creator>namran</dc:creator>
				<category><![CDATA[Blogger Stuff]]></category>
		<category><![CDATA[Personal]]></category>
		<category><![CDATA[blog]]></category>
		<category><![CDATA[facebook]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://blog.namran.net/?p=2000</guid>
		<description><![CDATA[Bumped into some interesting article, regarding blogging and online social network.
From NY Times..

Today, Mrs. Nichols speaks about her blog as if it were a diet or half-finished novel. “I’m going to get back to it,” she swears. Her last entry, in December of last year, was curt and none too profound. “Books make great gifts,” [...]

<div class="post-fixed">
Related posts:<ol><li><a href='http://blog.namran.net/2008/12/05/google-analytic-on-my-blog/' rel='bookmark' title='Permanent Link: Google analytic on my blog'>Google analytic on my blog</a></li><li><a href='http://blog.namran.net/2010/04/15/panduan-menjana-pendapatan-menerusi-blog/' rel='bookmark' title='Permanent Link: Panduan menjana pendapatan menerusi blog'>Panduan menjana pendapatan menerusi blog</a></li><li><a href='http://blog.namran.net/2009/03/24/opening-blog-for-contributors/' rel='bookmark' title='Permanent Link: Opening Blog for contributors'>Opening Blog for contributors</a></li></ol>]]></description>
			<content:encoded><![CDATA[<p>Bumped into some interesting article, regarding blogging and online social network.</p>
<p>From <a href="http://www.nytimes.com/2009/06/07/fashion/07blogs.html" target="_blank">NY Times..</a></p>
<blockquote>
<p>Today, Mrs. Nichols speaks about her blog as if it were a diet or half-finished novel. “I’m going to get back to it,” she swears. Her last entry, in December of last year, was curt and none too profound. “Books make great gifts,” she began, breaking a silence of nearly a month.</p>
<p>Like Mrs. Nichols, many people start blogs with lofty aspirations — to build an audience and leave their day job, to land a book deal, or simply to share their genius with the world. Getting started is easy, since all it takes to maintain a blog is a little time and inspiration. So why do blogs have a higher failure rate than restaurants?</p>
<p>According to a 2008 survey by Technorati, which runs a search engine for blogs, only 7.4 million out of the 133 million blogs the company tracks had been updated in the past 120 days. That translates to 95 percent of blogs being essentially abandoned, left to lie fallow on the Web, where they become public remnants of a dream — or at least an ambition — unfulfilled.</p>
<p>Judging from conversations with retired bloggers, many of the orphans were cast aside by people who had assumed that once they started blogging, the world would beat a path to their digital door.</p>
<p>“I was always hoping more people would read it, and it would get a lot of comments,” Mrs. Nichols said recently by telephone, sounding a little betrayed. “Every once in a while I would see this thing on TV about some mommy blogger making $4,000 a month, and thought, ‘I would like that.’ ”</p>
<p>Not all fallow blogs die from lack of reader interest. Some bloggers find themselves too busy — what with, say, homework and swim practice, or perhaps even housework and parenting. Others graduate to more immediate formats, like <a title="More articles about Twitter." href="http://topics.nytimes.com/top/news/business/companies/twitter/index.html?inline=nyt-org">Twitter</a> and <a title="More articles about Facebook." href="http://topics.nytimes.com/top/news/business/companies/facebook_inc/index.html?inline=nyt-org">Facebook</a>. And a few — gasp — actually decide to reclaim some smidgen of personal privacy.</p>
<p>“Before you could be anonymous, and now you can’t,” said Nancy Sun, a 26-year-old New Yorker who abandoned her first blog after experiencing the dark side of minor Internet notoriety. She had started it in 1999, back when blogging was in its infancy and she did not have to worry too hard about posting her raw feelings for a guy she barely knew.</p>
<p>&#8230;</p>
<p>“The Internet is different now,” she said over a cup of tea in Midtown. “I was too Web 1.0. You want to be anonymous, you want to write, like, long entries, and no one wants to read that stuff.”</p>
<p>Richard Jalichandra, chief executive of Technorati, said that at any given time there are 7 million to 10 million active blogs on the Internet, but “it’s probably between 50,000 and 100,000 blogs that are generating most of the page views.” He added, “There’s a joke within the blogging community that most blogs have an audience of one.”</p>
<p>That’s a serious letdown from the hype that greeted blogs when they first became popular. No longer would writers toil in anonymity or suffer the indignities of the publishing industry, we were told. Finally the world of ideas would be democratized! This was the catnip that intoxicated Mrs. Nichols. “That was when people were starting to talk about blogs and how anyone could, if not get famous, get their opinions out there and get them read,” she recalled. “I just wanted to post something interesting and get people talking, but mostly it was just my sister commenting.”</p>
<p>Many people who think blogging is a fast path to financial independence also find themselves discouraged.</p>
<p>Mr. Jalichandra of Technorati — <a href="http://www.jalichandra.com/">a blogger himself</a> — also points out that some retired bloggers have merely found new platforms. “Some of that activity has gone to Facebook and <a title="More articles about MySpace.com." href="http://topics.nytimes.com/top/news/business/companies/myspace_com/index.html?inline=nyt-org">MySpace</a>, and obviously Twitter is a new phenomenon,” he said.</p></blockquote>
<p>.. Interestingly , if you asked any youth nowadays..<br />
&#8220;<strong>What do you really think about facebook this day ?</strong>&#8220;..</p>
<p>more than 50% of them will answer it as</p>
<p>&#8220;<strong>Now it is boring.. nothing much to expect. same rubbish.. got many stupid quiz without no apparent reason..</strong>&#8221;</p>
<p>.. don&#8217;t know if there are still people really into that app anymore..</p>
<p>after certain period of time.. the excitement is gone..</p>
<p>and we tend to move to something more meaningful..</p>
<p>be it an outdoor activity or just face-to-face session with friends and so on and so forth..</p>
<p>.. again &#8220;Technology is mean to help us to live a better life..&#8217;</p>
<p>but is does not mean that &#8216;technology&#8217; had to be the main thing to be embraced and sleep with everyday&#8230; and neglected everything else..</p>
<p>thing like .. &#8220;Tips on how to blog better..&#8221;, &#8220;How to improve blog to get bla.bla..bla&#8221;.. would not last long.</p>
<p>Frankly speaking.. &#8220;Don&#8217;t you have other better thing to do other than that?&#8221;</p>
<p>p/s : People come and people go.. only one will stay with you after all.. it is you ,by yourself.. and with your own lifetime.. contemplating what was i am doing all these while?..~</p>



<div class="post-fixed"><p>Related posts:<ol><li><a href='http://blog.namran.net/2008/12/05/google-analytic-on-my-blog/' rel='bookmark' title='Permanent Link: Google analytic on my blog'>Google analytic on my blog</a></li><li><a href='http://blog.namran.net/2010/04/15/panduan-menjana-pendapatan-menerusi-blog/' rel='bookmark' title='Permanent Link: Panduan menjana pendapatan menerusi blog'>Panduan menjana pendapatan menerusi blog</a></li><li><a href='http://blog.namran.net/2009/03/24/opening-blog-for-contributors/' rel='bookmark' title='Permanent Link: Opening Blog for contributors'>Opening Blog for contributors</a></li></ol></p>]]></content:encoded>
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