January 2019 - ♪ ♫ opZZpinky ♫ ♪

January 7, 2019

Monday, January 07, 2019

Giveaway Let's Beauty By Apekinah.com

Giveaway Let's Beauty By Apekinah.com
Monday, January 07, 2019

Printcious - Jadikan Hadiah Korang Ekslusif

Printcious - Jadikan Hadiah Korang Ekslusif
Printcious - Jadikan Hadiah Korang Ekslusif | Assalamualaikum guys, korang nak tahu tak satu laman web yang boleh jadikan hadiah korang ekslusif hanya dengan harga yang berpatutan? eh mestilah nak kan, lagi-lagi yang suka shopping online macam sha hihi..teruja tak? meh sha nak share dengan korang laman web mana yang boleh jadikan hadiah korang ekslusif.


Peningnya nak cari hadiah yang simple tapi ekslusif, korang nak tahu Printcious adalah salah satu laman web yang memudahkan korang mencipta sesuatu hadiah dengan design sendiri, banyak pilihan hadiah korang boleh buat design dekat situ..

oh ya, sha nak bagitau yang Printcious kini available di Singapore, Australia dan New Zealand..wah tahniah buat Printcious yang kini sedang melebarkan sayapnya ke serata dunia..hebat hebat..ok kita sambung cara nak purchase dekat laman web printcious :)

Macam-macam korang boleh pilih nak design yang mana satu, tapi mouse pad ini rare sikit, sha ambil contoh, korang bole design gambar family atau anak dekat mouse pad ni, lepas tu tengah stress dengan kerja dekat office, cair bila tengok gambar comel family atau anak tadi, terus jadi pemangkin semangat untuk kerja, ini bagus kalau nak hadiahkan pada baba edan hihi..

Cara untuk mendaftar :-

1. Klik website --> https://www.printcious.com/my

2. Login mudah dengan facebook atau guna manual pun boleh, sha link kan kepada account facebook senang ja dah login hihi.



Untuk login hari ini akan dapat 50% off dan free shipping above RM60, so cepat-cepat fill in korang punya details dan alamat, senang nak purchase nanti tinggal klik proceed ja haha..lagi satu kalau birthday korang tak lama lagi, baik betul Printcious ni, bagi code voucher dekat korang, sob sob, birthday sha dah lepas tauu huhu kena tunggu bulan 12 lama lagi, tapi tak apa sha dah dapat 50% off tadi time login haha..dah boleh start design hadiah..

Voucher 50% off korang boleh tengok dekat Message, klik pada button shop now untuk claim semua barang yang available untuk 50% off tu



Dan sha decide untuk hadiahkan edan baby romper hihi, suka sangat nampak edan pakai romper, nampak tegap bahagian paha tu haha, cadang nak beli 3, untuk 2 orang anak bff sha juga, sha belum bagi hadiah lagi ni..haha, so memang ngam sangat beli dekat Printcious kan, oh ya..warna putih sahaja yang availabe, sokay putih kan suci hihi..untuk saiz sha pilih yang paling besar sebab edan dan kawan-kawan sudah semakin besar..kalau longgar sikit pun tak apa yang penting edan dan kawan-kawan  pakai, senang hati umie tak membazir voucher umie ni ahh hahaha.


Ok dah siap design simple umie untuk edan, kawan-kawan edan sha buatkan juga tapi ikut nama dan tarikh lahir masing-masing..nanti sha buat review dekat korang bila dah sampai nanti, sha nak sambung design lagi ni..haha, excited pula kan..maklumlah manfaatkan diskaun yang ada..

oh ya pembayaran boleh melalui band yang tersenarai dibawah ini


selesai bayar tunggu ja la barang korang sampai, pihak Printcious hantar menggunakan aramex , pastikan alamat korang betul ya..

untuk info korang boleh check it out dekat sini


January 3, 2019

Thursday, January 03, 2019

Tahun Pertama Perkahwinan

Tahun Pertama Perkahwinan
Tahun Pertama Perkahwinan | Assalamualaikum, haha macam biasa late post lagi, actually 1st anniversary sha dengan husband 22 Disember, tapi lambat celebrate sebab bulan tua kan, haha, sha tak kisah semua tu, adakah ianya bermaksud sha sudah semakin matang sekarang? haha 


Alhamdulilah syukur ke hadrat Allah usia perkahwinan kami sudah masuk ke tahun kedua, untuk tahun pertama ermmm, bukan tempoh yang singkat untuk kami saling mengenali antara satu dengan lain..lagi-lagi bercinta selepas nikah, sedangkan yang bercinta bertahun pun baru tahu perangai sesama sendiri ohh dia begini pula, apatah lagi kami yang baru berkenal ni..so memang banyak cabaran nya, paling mencabar dari segi hati (sha mengandung time tu memang banyak sangat songeh) dan kewangan

Tapi dalam tempoh setahun itu juga sha banyak belajar untuk menjadikan fikiran sha bertambah matang, walaupun usia sudah masuk 30an haha

Banyak lagi kenangan pahit dan manis, sha tak sempat nak taip, edan dah bangun haha.doakan semoga perkahwinan kami kekal bahagia sampai ke akhir hayat.amin :)

January 2, 2019

Wednesday, January 02, 2019

Guide for young Malaysians to start planning for retirement

Guide for young Malaysians to start planning for retirement

Money doesn’t fall from the sky but if you have done proper investment planning, they can grow like one. Whether you are approaching 25 or big 4-0 in life, you are never too late or early to start planning for your own retirement. The moment you reached the golden age you’d want the peace of mind of knowing that you have a stable bank account and a roof over your head. 

If your retirement plan is poorly done, you will suffer in your later life. Thus, it would be ideal to start thinking about saving for your retirement as soon as you begin earning your first paycheck. If you planned for your retirement early, it will make the biggest difference in your retirement age. Whether it is investing condos in Penang or bank in your money in fixed deposit. We are about to list down reasons why you need to start planning for your retirement now.



1. Capitalise on compounding interest
Are you aware that compounding interest makes the biggest difference between the beginning of your retirement? The sooner you begin saving, the more time your money can grow. Plus, each year’s gains will generate bigger gains the following year.

For instance, if you start saving RM 1000 at age 25 for 30 years in a tax-deferred retirement account with a 5% annual return, by the time you reach the retirement age of 55 your investment would have grown to RM 835,726.38. In contrast, if you start saving the same amount of money every month with the same percentage of annual return at age 35, your money will only grow to only about RM 412,746.31 by the time you retire.

2. Retiring early
Yes, you heard it right. You can retire early, isn’t that your ultimate goal? Imagine to be kicking back at home at only 45, sipping some coffee by your fresh lawn or pool side and never have to worry about being late for work or meeting deadlines. If you keep tabs on your spending from a young age and start saving for your retirement in 20s, you are more likely to reach a state of financial independence at a younger age.

There are studies shown that those who have achieve earlier retirement are significantly healthier due to higher quality life and reduced stress. If you retire early, it also means that you have more energy to travel and live in exotic places. You could also start exploring hobbies that you have always dreamed of.

3. Lesser insurance coverage
It is also the time for you to start thinking about getting insurance coverage for yourself. Your rates increased as you get older, assuming that you age well without the slightest hint of illness. One day, your health has taken a serious hit, you will be deemed as ‘high risk’ and will be charged a premium price for compensation on risk of early death. The insurance company have the rights to choose to exclude coverage illnesses that you have been diagnosed with. Thus, do remember that the younger you are, the cheaper your premium will be.

4. Longer loan tenure
You can begin researching on property investment - ideal location and development type to invest on. The maximum loan tenure given out by banks is 35 years. However, for borrowers who are 30 years old and above, the maximum tenure is tied to their age. Thus, their home loans will have to be repaid before they reached 65 or 70 years of age. Those in their 20s have the privilege of stretching their loan tenure to the maximum and paying lesser monthly installments. This shows that it is much cheaper to buy property in your 20s than at a later age and your chances of getting loan approved are a lot higher than those in your 40s.

5. Greater flexibility to get creative with your finances
The benefit of retiring early is that it gives you better flexibility in terms of financial, you can explore and be creative with other investment options out there. It also gives you room to diversify your investment and significantly beat the inflation rate. For example, you can use an amount of your money to invest in mutual fund and also invest in property. Selecting the right property is crucial in not only ensuring that your investment is suitable to live in your retirement years, but it also enable you to capitalize on rental yield in years leading to that.

Easy right? so enjoy your retirement :)

Wednesday, January 02, 2019

Giveaway SemakanOnline.com Di Mialiana.com

Giveaway SemakanOnline.com Di Mialiana.com

Pembayaran Bantuan Sara Hidup 2019 atau BSH 2019 fasa pertama akan dibuat pada 28 Januari nanti. Bantuan tersebut dijangka memanfaatkan lebih 4.1 juta penerima di seluruh Malaysia. Terdapat lima jenis kategori bantuan untuk pembayaran BSH kali ini. (rujuk gambar di bawah)


Pembayaran pertama akan dibuat sebanyak RM300 untuk setiap isi rumah. Baki bayaran BSH yang akan disalurkan pada fasa kedua dan ketiga akan menggunakan kaedah baharu seperti yang diumumkan dalam Belanjawan 2019. Urusan kemaskini BSH 2019 akan dibuka semula dalam tempoh terdekat. Setiap penerima wajib kemaskini permohonan masing-masing sekurang-kurangnya sekali dalam tempoh 3 tahun. 

Untuk maklumat lanjut layari portal Bantuan Sara Hidup di https://bsh.hasil.gov.my



Giveaway ini dianjurkan oleh SemakanOnline.com dengan kerjasama Mialiana.com. Hadiah wang tunai sebanyak RM350 untuk dimenangi. Sila klik SINI untuk join.

Read more: http://www.mialiana.com/2019/01/giveaway-semakanonlinecom-di-mialianacom.html#ixzz5aZkarwuZ
Wednesday, January 02, 2019

Selamat Tahun Baru 2019 - Azam 2018 Tercapai

Selamat Tahun Baru 2019 - Azam 2018 Tercapai
Selamat Tahun Baru 2019 - Azam 2018 Tercapai | Assalamualaikum tahun baru, macam biasa lambat update haha, sha agak busy kebelakangan ni memandangkan mertua sha datang rumah time cuti sekolah ni, memang tiada masa nak buka laptop..apapun masih belum terlambat untuk say happy new year guys, sekejap ja dah 2019 kan, azam 2018 korang tercapai ka?


Alhamdulilah, 3 tahun azam besar sha tercapai, azam-azam sebelum ni sha pernah ceritakan di sini--> LINK, tahun 2018 Allah makbulkan doa sha yang nak sangat ada baby selepas kahwin, maka lahirlah Muhammad Fyirdhan Uthman, sekarang dah 3bulan 1 minggu, terima kasih ya Allah, syukur sangat walaupun keperluaan belum mewah tapi cukup untuk kami bertiga.

Kenangan 2018 paling terkesan adalah pemergian adik sha menghadap Ilahi pada 6.10.18 seminggu selepas edan dilahirkan, sakit kanser darah acute, Allah lebih menyayangi arwah, semoga arwah ditempatkan dikalangan orang yang beriman, sha masih tetap juga perlu meneruskan hidup..

Azam tahun ini, semoga dipermudahkan sha dan husband mencari rezeki, moga rezeki tersebut dapat bantu keluarga sha dan keluarga husband, orang-orang miskin..diberikan kesihatan yang baik, edan membesar dengan sihat, untuk blog, macam tahun-tahun yang sudah, insyaAllah akan tetap aktif berblog, alhamdulilah awal tahun rezeki ada job datang.

Amin :)

January 1, 2019

Tuesday, January 01, 2019

Simple mistakes to avoid if you want to sell your property quick

Simple mistakes to avoid if you want to sell your property quick

When it comes to selling your home, it can be time-consuming for first-timer. Besides, it can be emotionally exhausting and challenging if during the process of selling is handed roughly which might end you up in small claims tribunal. When you end up in small claims tribunal, you will end up wasting more time and effort to claim from the dispute between you and the seller. 



However, there could be reasons why such incidents happened, some of which can be the house owner’s mistakes itself. Here are some of the common mistakes to avoid if you want to close the deal in the quickest and smoothest way possible. 

1. Totally forgotten to clean your house for viewing 
First impression matters - the classic advise for everyone, be it for first date or first viewing with potential buyers. You will be able to confidently convince your buyer by saying that the house will be guaranteed clean when they move in. On the contrary, if the house is a messy and dirty one, the first reaction they will give is shock and disgust, there goes your potential buyer. But, do take note that all the houses put for sale in the market are competing with one another. Some of these houses have been renovated and cleaned up for viewing, so those not tidied up will look less attractive. For house owners who are pet lovers, ensure that the compound is clean as well. It would be a deal breaker if the buyer were to step on the droppings or seeing pet’s fur on the floor. 

2. Sky high property price 
Every seller has the intention to maximise their profit when you get rid of your house, but if you price your property at an outrageous rate which immediately turns down your potential buyers. Many sellers think that marking up the price will leave more room for bargaining when the buyers asks for discount, however they fail to realise that the price tag is too high and it can be a mistake. House hunters would be reluctant to approach the seller if they knew the price is way out of their budget. This might result your house being on the market for a long time. After a long period, if there’s no interested buyer ringing your door bell, perhaps you may consider to adjust your pricing lower. 

3. Engaging the wrong agent 
If you think of skipping in engaging an agent, that could be a big mistake. However, hiring a wrong agent is going to cost you big headaches and heartaches. Most property owners will pick the agent that gives them the highest price and experienced agent with the best marketing strategy and plan to sell your property. In that case, your requirement of engaging an agent is an agent that has working experience in the area in which the property is situated and have a depth of knowledge on the property market. 

4. Going for ‘hard sell’ approach 
There are times if you tried too hard, that’s when things don’t work out. The same logic apply to property selling. Opting to use ‘hard sell’ approach can lead to potential buyers finding you annoying and irritating. No one wants to be pushed and forced to make such an important decision quickly. Thus, if you keep calling them or constantly telling them the good features of the property, then they might immediately say no to you because overselling is always a bad idea. 

5. Taking bad quality pictures of the property 
We all do know that first impression matters. In the age of internet, most of the house hunters will either look for a house on the line or at least do a quick research at property websites. If the house looks unattractive, they may not even bother to drive to the location for viewing. After all, a picture worth more than a thousand words. Avoid taking your property pictures in low resolution, dim lighting and awkward angles. Such images can immediately turn off buyers. It is also important to use a good camera and if you have the budget, you can consider hiring a professional photographer that specializes in taking property photos. Don’t forget that picture sells. Click here to see tips on taking property photos.

Hope these tips can help you guys, :)

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