Hari Konvokesyen Nina

Monday, January 29, 2018 Nazlee Ismail 4 Comments

Hari  Konvokesyen Nina


Tak sabar rasanya menantikan hari konvokesyen Nina. Punya la excited MamaD siap membeli persiapan baru. Ibu mana yang tak gembira kan bila dapat meraikan dan tengok anaknya naik ke pentas. Nina baru saja menamatkan diplomanya dalam bidang Graphic Design. Bidang khusus yang dia minat sangat-sangat. Alhamdulillah berjaya akhirnya. Tahniah buat Nurhusnina.


Ahad lalu, pagi-pagi lagi kami sekeluarga dah sampai di luar dewan konvokesyen. Lepas je pendaftaran, graduan siap sedia dengan pakaian jubah konvo. Masing-masing busy dengan bunga dan jubah. MamaD jadi tukang bersiap Nina, pakaikan jubah dan mekapkan nina.. alahh make-up sikit aje. Semua nak buat sendiri kan, termasuklah  bunga konvo pun mamaD yang gubah sendiri..


Bunga konvo sengaja tak nak beli di kiosk masa hari konvo tu, saja nak buat sendiri lagi terbaik dan simbolik kata mamaD. Nina suka sangat bunga yang namanya je bunga tapi penuh coklat ferrero rocher haha..


Anak dan mama dah nampak sama besar dan cantik, seronok la mamaD bila ada kawan-kawan kata depa dua tu macam rakan sebaya. Mama nampak muda dari usianya.. :)

Selesai sudah majlis konvo, sempat lagi dua beradik ni bergambar di luar dewan.


Hanis tak lepas peluang berangan, nak juga pakai jubah konvo kakaknya...  semoga dia juga berinspirasi dan menyimpan azam belajar ke menara gading suatu hari nanti In Shaa Allah.

Penat rasanya.. pagi sampai la 2 petang tamat majlis.  Dan..  aku ada pula program lagi sebelah petangnya (open house makan durian)

Sebelum tu kami ke  TS (Time Square) jalan-jalan cari makan.. window shopping gitu haha.. (mampoih kopak la poket abah dia ni).

Nina beli seluar dan baju, Hanis beli 1 baju.. at last nina yang bayarkan sebab dia nak belanja adik dia.  Nina dah kerja dah boleh belanja adik dia selalu.

Adik hanis ni selalu paw kakak dia setiap bulan lepas kakak nina terima gaji  huhu.. adik yang sorang memang macam tu lah kan.. kan.


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[PENAFIAN]
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Harga Trip Memancing Pelantar Minyak 2018

Thursday, January 11, 2018 Nazlee Ismail 5 Comments


TRIP BORENG (Plantar Minyak) 2018 :



Harga Trip Memancing Pelantar Minyak 2018 




Gambar bot Trip Boreng / Pelantar Minyak sekitar perairan Terngganu 2018





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[PENAFIAN]
www.nazlee.com dan pemilik blog ini secara khusus tidak akan bertanggungjawab terhadap apa juga liabiliti, kerosakan, kehilangan, kerugian atas risiko, peribadi mahu pun sebaliknya yang berlaku akibat, secara langsung atau tidak langsung daripada penggunaan dan aplikasi, daripada apa juga kandungan yang diperolehi dari blog ini.
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Some insights on investing property or buying to stay

Thursday, January 04, 2018 Nazlee Ismail 0 Comments


Some insights on investing property or buying to stay


For many years, Singaporeans have been living with the perception that having an investment property is a sure-win ticket to making a neat profit. But with recent cases where we’re seeing million-dollar HDB flats and staggering losses in high-end properties, it is perhaps a sign that the tides have turned and that buying a property is not a “100-percent safe investment”. It is important to understand that there are major differences when choosing to buy an investment property versus buying one for living in. Before you start looking out for a property that fulfils both these purposes, read on to find out the different factors you need to consider: The following link would be beneficial to help you with your search with your future property as it’s one of the more reliable Singapore property website for reference in such cases.



1. HDB or Condominium

As HDB flats become more popular in recent years for their affordable rents, property buyers are starting to think of getting a HDB as an investment property rather than just for the sole purpose of residing in one. While HDB may be more affordable compared to buying a private condominium, one needs to take into consideration the Minimum Occupancy Period (MOP) which is a minimum of 5 years. Therefore, they make much more sense for those who are buying them as a home instead of a means for rental yield. For those looking for an investment property, condominiums make more sense as they typically command higher rental due to the added security and amenities available, as well as a faster rate of capital appreciation. You could refer to some reputable Singapore property website to get a better information on this subject.

2. Size of the property

Most home-buyers would consider buying a property that will suit the household unit. For instance, if a couple is planning to have kids and/or have their parents stay with them in the future, they might go for a bigger HDB or condominium unit so that they will not have to move for the next ten years. This does not apply for those who intends to use the property as investment. They are likely to go for smaller units so that it will be cheaper to rent out, and easier to sell in the near future.

3. Type of Mortgage loans

For property investors, the cost of mortgage has to be factored in as the cost of investment, which will ultimately affect the returns. This is why the cost needs to be as low as possible. Depending on the purpose of the purchase, the buyer would need to decide what are his priorities when purchasing the unit. In this case, investors may prefer to choose a loan which offers the lowest rate possible, even if the rates thereafter will register a larger increase. This is because they may think of selling the property in the near future, and are less concerned with the “thereafter” rates. In contrast, home-buyers may prefer a fixed-rate loan so that they can fix the monthly budget they need to put aside to service the loan.

4. Renovation Expenses

Home-owners are usually more particular about the type of interior design they want for their home, since their living space is seen to be an extension of their identity. They are likely to spend more compared to investors with no interest to keep the property for a long term. You’d thus need to put aside a sum of money, usually between $30,000 to $50,000 on average to renovate the place. Click here to better gauge on your renovation expenses.

5. Location

Even in a small city like Singapore, location plays a big part in determining the price of property. When buying a property for living in, you may be less concerned with living near the Central Business District (CBD). In fact, you may prefer to live further into the heartlands where you will most likely find cheaper daily necessities.

You will also most probably choose a location that’s nearer to your work place, or an area where there are plenty of good schools for your children to enroll in. For some who are closer to their parents, having the ability to live nearer to your parents may be a priority as well, so that you may be able to visit them more often, get them to help you look after your kids, and also make use of the proximity housing grant.

When it comes to buying a property for rental yield, a location nearer to town or at least, within walking distance to the MRT will be ranked higher on the priority list. This is to cater to expats who may prefer to stay near to the city, be close to shopping malls and who would pay a premium to reduce their time on commute.

6. Amenities

When looking to purchase an apartment for your own stay, you’d probably have a checklist of amenities you need. You know you can do without a private swimming pool, a BBQ pit or a tennis court. This allows you to choose a property that may be priced lower without the frills. When it comes to buying an investment property, you may be looking at a property with a specific tenant profile in mind. Perhaps you want to choose a condominium which is near an international school to target expat families with kids. Or perhaps, you want to get a small unit in a relatively new condominium with lots of sporting facilities to attract single expats. Pretty sure there are some property website that can help you to navigate around the amenities and facilities around where you’re staying.



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[PENAFIAN]
www.nazlee.com dan pemilik blog ini secara khusus tidak akan bertanggungjawab terhadap apa juga liabiliti, kerosakan, kehilangan, kerugian atas risiko, peribadi mahu pun sebaliknya yang berlaku akibat, secara langsung atau tidak langsung daripada penggunaan dan aplikasi, daripada apa juga kandungan yang diperolehi dari blog ini.
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