Thursday, August 1, 2019

Lirik Lagu Gadis Di Bawah Bayu

5:06 PM 0 Comments


Gadis Di Bawah Bayu
Lirik : Adika Ishak
Muzik : NadWah Production

Kali pertama
Melihat diri mu
Buat aku rasa
Ku ingin tahu siapa dirimu
Dari mana asal mu

Gadis bertudung
Tudung merah.. merah jambu

Lalu aku cuba
Mendekati kamu

Ku mula bertanya kepada mu 
Siapa dirimu
Dari mana asal mu
Rupanya dia.. sumandak Sabah
Di bawah bayu

Oh gadis dari Sabah
Kulit putih ayu bersopan
Semuanya lawa-lawa
Bikin hati rasa tertawan

Sumandak Sabah gayanya sederhana
Pandai berdikari di bandar dan di desa
Rajin berusaha untuk keluarga
Walau hidup senang walaupun hidup susah

Sudikah dirimu menerima aku jadi teman hidupmu
Ku kan setia untuk mu 
Engkaulah gadis di bawah bayu

Di bawah bayu~

Wednesday, July 24, 2019

Promosi Menarik Singapore Airlines

12:49 PM 0 Comments
 Promosi Menarik Singapore Airlines 

Sumber : Google image
Siapa yang nak pergi Singapore menaiki Singapore Airlines? Singapore ialah sebuah negara yang agak best kalau kita dapat bercuti kat sana. Lagi best kalau kita dapat book flights to Singapore online. Tak perlu pening kepala. Haa ada cara yang kita boleh buat untuk dapatkan harga terbaik dari ladang ni. 

Agak-agak korang macamana? Hehe cuba teka? 

Sumber : google image
Betul!! Jawapannya Traveloka. Applikasi pilihan terkini yang memaparkan harga-harga terbaik dari pelbagai hotel hinggalah ke tiket penerbangan. 

Mari nak cerita sikit jenis-jenis tempat duduk yang korang boleh tempah dalam Singapore Airlines ni.  

ECONOMY CLASS 

Dengan economy class korang boleh dapat seat yang selesa sebab ruang kaki agak luas so sesuai untuk korang yang ada kaki panjang sikit. Selain tu korang boleh layan entertainment dengan KrisWorld. Makanan pula boleh order yang standard dan kalau korang ada special request korang kena bagitau awal-awal kat pihak diorang sebelum flight. 

PREMIUM ECONOMY CLASS 

Untuk premium economy class, korang boleh dapat seat yang lagi luas dari economy biasa dan USB port juga disediakan kalau nak charge smartphone korang. Makanan boleh tempah special meal 24 jam sebelum fligt. 

BUSINESS CLASS 

Lepas tu business class punya tempat duduk dua kali ganda lebih best sebab boleh tukar jadi katil. Memang terbaik bagi korang yang nak travel jauh cuma bajet dia lebih tinggi tapi tak jauh beza. Makanan pulak memang awesome and korang boleh order 24 jam sebelum flight ikut kesukaan korang. 

FIRST CLASS 

First class adalah seat yang paling mewah sebab korang akan dapat seat yang lagi luas dari business class siap ada full breakfast kalau korang ada flight pagi. 

Korang nak tau macamana nak dapatkan cheap Singapore Airlines promotions? Mula-mula sekali lepas korang bukak apps tu cari Singapore Airlines https://www.traveloka.com/en-my/singapore-airlines dan kat situ korang boleh nampak segala info yang ada tentang airlines tu. Singapore Airlines ni antara syarikat penerbangan yang terbesar kat Asia Tenggara ni. Mereka menyediakan perjalanan ke hampir 62 destinasi setakat ini. Banyakkan? 

Nak buat booking thru apps ni senang sangat. Di hujung jari katanya kan. Buka apps Traveloka pastu search flight dengan isikan info yang perlu terutama tarikh yang korang nak pergi. Sebab dari situ korang boleh dapat harga yang murah. Biasanya lepas korang click search korang akan dapat tengok senarai penerbangan yang ada dan yang paling murah ada kat atas. Guna filter yang ada dan pilih Singapore Airlines maka terpampanglah senarai Singapore Airlines yang available. 

Semasa di Singapore korang boleh lah melawat beberapa tempat yang menarik di sana. 

NATIONAL MUSEUM OF SINGAPORE

Sumber : google image
Dibuka sejak tahun 1849 lagi, National Museum of Singapore merupakan muzium yang tertua di negara tersebut. Kalau dilihat dari rekaan bangunan ini pun sudah terserlah betapa bangunan ini telah wujud berzaman lamanya dengan gabungan Renaissance dan Neo-Palladian dalam seni binanya.

Walaupun ianya sebuah muzium yang lama tapi pameran di dalam muzium ini agak meyeronokkan untuk dilihat dan dialami. Di sini korang berpeluang merasakan ‘immersive experience’ yang mana korang berada di dalam satu bilik yang gelap dan dikelilingi dengan video yang memaparkan kehidupan seharian di Singapura diiringi muzik latar yang membuatkan pengalaman korang terasa lebih mengujakan. 

Ini baru salah satu, nak tahu apa lagi yang best? Jom beramai-ramai ke National Museum of Singapore. 

HANDERSON WAVE BRIDGE 

Sumber : google image
Handerson Wave Bridge mendapat namanya dari bentuk jambatan seperti ombak. Dari jauh lagi Wave Bridge ini sudah menarik perhatian pandangan mata kerana keunikan rekaannya. Kalau korang nak tahu, jambatan ini juga merupakan jambatan pejalan kaki yang tertinggi di Singapura dengan ketinggian 36 meter dari darat. Dengan menaiki jambatan sepanjang 274 meter ini, korang bukan sahaja dapat melihat pemandangan indah kawasan pulau serta flora dan fauna tapi korang juga akan dapat melawat 3 buah taman yang indah yang terdapat di Singapura iaitu Bukit Teluk Blangah, Kent Ridge Park dan Mount Faber. 

Sumber : google image
Nak suasana lagi romantik kalau berjalan di sini? Datang pada waktu malam, kerana pada waktu itu akan dipasang lampu LED dengan pencahayaan yang sangat mempesonakan. Style kan?

Wednesday, May 1, 2019

Is It A Good Idea to Buy Property Under Your Child’s Name?

10:41 AM 2 Comments

With rising of property prices and endless cooling measures, more buyers are considering buying their property under their children’s names. In Singapore, HDB flats are everywhere such as in Woodlands. If you are planning to get one and your HDB flat or condo under your child’s name, there are some important considerations before you make your move. 

1. Children’s own home ownership as first-time buyers will be endangered 

Your children will become the owners of the property, once the house is registered under their name. Meaning that, unless the property is disposed of, they are going to have problems buying their own HDB flat. Remember that your child cannot buy an HDB flat, once they own a private property. If they are going to buy a private property, and there is an outstanding mortgage under their name which you are paying, they will get a lower loan. Normally, they will be getting 60% financing instead of 80%. There is also the consideration of Additional Buyers Stamp Duty (ABSD), of 12% on the second property, and 15% on subsequent properties for Singapore citizens as of 6th July 2018 when the Government suddenly increased ABSD rates. 

2. Your child’s creditworthiness 

If you are buying through your child just to get a better loan, remember you are not the one listed as a borrower. As far as the banks and the Credit Bureau of Singapore are concerned, your child is the one who charged the property to the bank for home loan. If you cannot pay this for some reason, your child will either have to pay it out of pocket, or be taken legal action in your place. And a history of late payments will destroy your child’s creditworthiness. 

3. You lose legal rights over the occupancy of the house 

We have seen many real life cases in which the children and their parents have home ownership disputes on who can live in the house. Sometimes disputes may occur when children wanting to rent out the property, while the parents disagree. Other times, the children may want a favourite uncle or a girlfriend to stay with them, against the wishes of the parent. Once the house is under your children’s name, you lose the power to command who stays under that roof. This can result in living arrangements that are unfavourable to you, and transform a financial asset into a family rift. 

4. Using your children’s name to escape taxes is asking for trouble 

This is a home ownership hack we see some people use. They purchase a second property and rent it out. Now the tax rate for a rental property is different, so they list one of their children as a resident in that property instead. Now, even if the property is for rent, it has an owner-occupier’s tax rate. In some cases, the child whose name it’s under does not even stay there. If you get caught doing this, the Inland Revenue Authority of Singapore (IRAS) would run after you. You will probably face a fine of several times the tax avoided and if they catch you at it after 10 years, the accumulated sum you owe them could mean selling off the house in order to pay for it. 

5. Your children’s social welfare benefits will be affected 

If your children are unemployed or going through a bad patch, but are recorded as the property owners, their social welfare benefits could be affected. For example, if they need to reach out for Medifund because their health insurance is dry, or they are getting GST offset vouchers, the reputation of their private property will weigh against them. 

6. Your children can take out loans against the property 

If your children take out large loans using the property as collateral as a second mortgage, which they can do so because the property is registered under their names, your property is at risk. If they fail to repay the loan, the financial institution in question could take legal action or foreclose on the home.

Therefore, think twice before putting a property’s title deed under your child’s name. It may affect both your own and your children’s home ownership. However, it is always good to buy under your child’s name if you truly intend it as a gift, and not a “stealth investment”. As long as it’s a genuine gift for your child, it is typically a good idea.