Saturday, 8 May 2010

Happy Mothers Day..

A fren of mine forwarded dis email...tot to share it here coz its truly how i felt...

Before I was a Mom,
I never tripped over toys
or forgot words to a lullaby.
I didn't worry whether or not
my plants were poisonous.
I never thought about immunizations.

Before I was a Mom,
I had never been puked on.
Pooped on.
Chewed on.
Peed on.
I had complete control of my mind
and my thoughts.
I slept all night.

Before I was a Mom,
I never held down a screaming child
so doctors could do tests.
Or give shots.
I never looked into teary eyes and cried.
I never got gloriously happy over a simple grin.
I never sat up late hours at night
watching a baby sleep.

Before I was a Mom,
I never held a sleeping baby just because
I didn't want to put her down.
I never felt my heart break into a million pieces
when I couldn't stop the hurt.
I never knew that something so small
could affect my life so much.
I never knew that I could love someone so much.
I never knew I would love being a Mom.

Before I was a Mom,
I didn't know the feeling of
having my heart outside my body..
I didn't know how special it could feel
to feed a hungry baby.
I didn't know that bond
between a mother and her child.
I didn't know that something so small
could make me feel so important and happy.

Before I was a Mom,
I had never gotten up in the middle of the night
every 10 minutes to make sure all was okay.
I had never known the warmth,
the joy,
the love,
the heartache,
the wonderment
or the satisfaction of being a Mom.
I didn't know I was capable of feeling so much,
before I was a Mom

Enuf said, Selamat Hari Ibu...

P/s : watching me taking care of Ariana...hubby said, 'Ariana kalo esok besaq melawan ibu, jaga dia...dia xtau mcm mana susah ibu jaga dia..'. So to Ariana dearie, ibu loves u so well as ur future sisters n brothers =D

When Ariana is sleeping..

Mummy is blogging and surfing, daddy is watching cerekarama...nothing in particular....just came back from visiting a fren who's juz given birth to a handsome little boy, only 3kg...much smaller than ariana when she was born...

For pics of Ariana, pls go to my facebook, so lazy to update here, they are the same is very important for me to keep my fb updated due to dis 2 person : ariana's ciksu n maktok....ciksu is in japan, so she's never seen ariana face to face yet...well, maktok is quite updated in the internet world so she has a facebook account...basically to look at my sis's latest photos n now to see ariana's photos...

Since i cannot open blogs at work, so im typing my entries from my work email...then send it to my yahoo mail...then copy n paste n blog it...a brilliant way to continue blogging...not dat im not doing my work, juz when i hv a bit of xtra time.....

A week ago i was crazy surfing for articles on how to prepare solid food for ariana...dis week i was crazy wit one other, cant disclose it yet..need to wait until its confirm then ill start to blog it...dat is if hubby permits it to be written here...anyhow, wish us luck!!!

P/s : cant wait for the new project to start, which is unfortunately not up to us...

Friday, 7 May 2010

Property Millionaire

I was surfing thestaronline and stumbled upon starproperty section...a very interesting site where they share a whole stuff regarding houses, how to decorate and even making money out of was still a honeymoon period for me so i keep on browsing one article after another....hubby and i were also searching for our ideal home, so i got a few good tips there....theres also articles on how to get financial freedom by becoming a property's some hints dat i can catch :

- one of the property millionaire started with only RM5000 as a downpayment for her first apartment/flat...then she buy a few more and grow her properties to even some industrial/office lots....interesting fact...

- start with a low cost flat/house as they are still in demand...then move on to bigger houses...not sure wit the 'engineer' title, will i b entitle to buy a low cost unit...see, the govt control dis things...

- choose the location very wisely, then u dont hv to pay for the housing loan, instead the person who rent ur house pays it for, in northern Peninsular Malaysia, the answer is of coz in Penang island....

- industrial/office property can make a huge amount of money and less tedious to take care of....why? coz we dont hv to renovate anything for them, just leave the lot as empty as it is...the person who rents it will do the construction work to suit their business needs....they will of coz take good care of the building as dis is the place where they make money n its important to attract the customer, so they'll keep the place nice n clean...the downside is the amount of the downpayment will also be huge..huhu...

- lets calculate my dream pension fund (amount u need when u arrive at ur desired retirement age, in order to receive ur desired monthly income) :

DI (Desired Income) = 5000
CA (Current Age) = 25
RA (Retirement Age) = 40
POA (Passing On Age) = 75

Pension Fund : DI x (POA-RA) x 12 months = 5000 x (75-25) x 12
= RM3million....

- strategies : knowledge (more u know, less do research on the property), leverage on assets (hv u watch leverage on axn? lurveeeeee dat show), joint-loans wit family members (trust is a difficult issue), know ur banker (n ur lawyer n ur developer), look out for discounts and early bird specials from developers (didt know they hv dat...anyhow i dont know much bout properties), find a group of people and negotiate for bulk discounts, invest on books...

- property auction is also a good place to look for cheap houses....but need to be very careful wit the properties found here...need to find out why the property was being auctioned at a cheap price...might get tricked if u dont know the property well....

my parents are one good example of the property 'thousand-aire'....they hv a few property, only the income or value of the houses doesnt reach up to millions.....i dream to be like them..but after trying to secure our very first house, i was puzzled as to how they can buy houses as both are only govt servants (in simple words, kerani only) u know the price of the houses of previous generations ? they were merely RM100 thousand and below...our current generation, the prices goes up to RM 200-300 thousand....well, taking into consideration the cost of living back then and now, no wonder the house prices shoot up to double-triple times....hmm, they've also got some financial help from their parents, so cant compare with them (not saying i didnt get any help, i got my share too =D)....

will i be the next property millionaire ?????!!??

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