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Puree Untuk Noah

Assalamualaikum .

Hello =)

Cerita hujung minggu lepas, dengan gembira dan enjoynya fiza sediakan 4 jenis puree untuk Noah. Memang setiap hari akan ada puree untuk Noah dan sebelum ni biasanya fiza akan buat puree tu pagi sebelum pergi keje. Cuma kali ni je, cuma ikut tips kawan-kawan lain , buat puree bekal anak ke Taska untuk seminggu terus, senang pagi takde la kelam kabut sangat.


Ni semua favourite Noah, terutama carrot dan apple tu. Nak buat puree ni senang sangat , semua ni fiza akan stim dulu secara berasingan dan lepas tu blend je. Siap blend, masukkan dalam bekas kecil yang cukup untuk sekali makan Noah. Lepas tu, simpan tempat beku dalam peti ais. Di setiap bekas fiza tandakan siap dengan tarikh buat.


Settle bab puree, jadi setiap pagi fiza cuma perlu masak bubur je untuk bekal. Kadang-kadang, fiza campurkan bubur tu dengan puree. Setiap hari, sejak Noah dah mula makan bubur (start umur 7 bulan) fiza akan sediakan 3 bekal makanan iaitu  makan pagi, tengahari dan petang. Susu pulak sejak dah makan ni cuma 3 botol je, setiap botol dalam 3-4 oz.

Minggu ni, plan nak buat stok ayam dan ikan bilis pulak. Noah suka makan, mama noah pulak happy kemain bila tengok anak makan berselera. Semoga anak mama membesar dengan sihat dan kuat ya sayang :)




What You Should Know About Refinancing Your Mortgage In Singapore


In any economic climate, it can be difficult to make the payments on a property or home mortgage. Between possible high interest rates and an unstable economy, making mortgage payments may become tougher than you ever expected. Should you find yourself in this situation, it might be time to consider refinancing. The danger in refinancing lies in ignorance. Without the right knowledge it can actually hurt you to refinance, increasing your interest rate rather than lowering it. 
Refinance is a fancy term to describe getting a new mortgage to replace the original loan. Refinancing is done to allow a borrower to obtain a better interest term and rate. The first loan is paid off, allowing the second loan to be created, instead of simply making a new mortgage and throwing out the original mortgage. For borrowers with a perfect credit history, refinancing can be a good way to convert a variable loan rate to a fixed, and obtain a lower interest rate. Borrowers with less than perfect, or even bad credit, or too much debt, refinancing can be risky especially when buying a Geylang property is mentioned. Below are some tips to ensure you are equipped with the necessary information to decide whether you should refinance your property.

1. Find the best interest rate package

For example, if you’re currently paying an interest of 4.50%, you should seek a loan package which is offering lower than this amount. This means a lower interest rate if you’re looking to lower the interest cost on your housing loan. Some banks are offering up to 3 to 5 packages for a mortgage loan which can be seen as confusing to a layman. Some banks impose terms such as lock in periods, extra charges on top of loan amount to cover the paperwork or more. Do understand the changes that would apply if you opt to refinance your property from another bank to ensure that you do not feel cheated or mislead by the hidden terms and conditions. Do compare and contrast when you scouting around for banks’ refinance options for loans.

2. The cost of refinancing a mortgage

Refinance a mortgage would definitely involve fees such as legal and valuation fees. Most housing loan packages offered by banks come with a legal subsidy. This is typically 0.20% to 0.40% of the outstanding loan amount. The property owners would also need to appoint a law firm to act on their behalf for the refinancing process. The lawyers would then proceed to prepare legal documentations such as new mortgage documentations for the both the homeowners and banks to execute. If homeowners are using their CPF to pay for their monthly installments, the lawyers would need to notify the CPF board of the changes as well. Finally, in order to refinance the mortgage, homeowners would need to pay stamp duty to IRAS. 

As mentioned above, terms such as lock in agreements from mortgage are rather common on today’s era. For simplicity sake, lock in term of a mortgage loan is the period where settling the mortgage within the said period would result in a penalty. Homeowners should take into consideration whether the process would be worth the hassle and money after incurring such penalties if the mortgage is settled earlier. If the difference is huge, for example, the current interest of 4.50% being offered by Bank A could be refinanced to 3.80% by Bank B, it might be worth to incur such penalties. Fun fact, if you are getting a Geylang property, there will be additional loading fee charged, up to 0.25 percent.

3. Early settlement / termination penalty.

Most housing loans come with a lock-in period of zero, one, two or three years. During this period, should homeowners perform a partial or full redemption, there will be a penalty charge, usually about 1.50% of the redeemed loan amount. Of course, with zero/no lock-in period package, they can redeem their loan anytime without any penalty fee. It is important to consider whether it is worth incurring the penalty to refinance the property or to wait out for the expiry of the lock in period before refinancing it.

4. Total Service Debt Ratio (TSDR)

The recent framework that government has fine-tuned is the Total Service Debt Ratio (TSDR). Now, it has apply to refinancing property loan for more flexibility to borrowers in managing their debt obligations. The framework kicked in due to response feedback from borrowers who are unable to refinance their existing property loans owing to the TSDR’s application with a threshold of 60 percent. However, if the owner bought the property for own stay and before the ruling date kicks in, which is 1st September 2016, they will be exempted from the TSDR framework when he/she refinance the housing loan. To understand better TSDR refinancing framework, click here

There are more than just the 4 highlighted factors mentioned above when it comes to refinancing your mortgage loan. Ultimately, the decision should be yours to make after considering few of the factors mentioned above. Homeowners should make the best decision tailored to their circumstances instead of taking a blanket approach to adopt when it comes to refinancing.


Affordable home renovation tips for HDB

Assalamualaikum.

Hello =)


With so many HDB around Singapore, such as 2-room flats for sale, getting yourself a new home is not difficult as long as you meet the criteria. Have you recently gotten yourself a new home? Are you planning to renovate your new home but you have no idea on where to start? Fret not, this article will guide you through some affordable home renovation tips for your HDB flat. 

First of all, there are two options available out there: 1. Engage with an interior designer and the interior design manages the entire process starting from design all the way until you move in; 2. Self manage by finding your own contractor and different service providers. Of course, option 1 would definitely be an easier option, especially for working adults. Bear in mind that engaging an interior designer will cost slightly more than managing the renovation yourself. If you are not engaging any interior designers, make sure you look for reliable contractors. Always compare 3 quotes before you decide on which contractor to engage with. 

1. Set a budget 

It is important to have a budget for your home renovation to prevent yourself from overspending on unnecessary things as it helps you to be in control on how you spend your home renovation fund. You can always choose to use a budget planner to help you keep track of your available budget for your home renovation. Look at your current finances and set a realistic budget accordingly. 

2. Planning and design 

First of all, you will need to start planning. Plan your budget, your ideal designs, the theme for your living room and bedrooms, the materials you prefer and so on. You can also start seeking for advices from your family and friends. This will reduce any unnecessary work throughout the renovation process. 

It is essential to set a budget for your home renovation. There are also renovation loans available if you really need one. Most of the renovation loans available in Singapore allow you to have a loan of maximum S$30,000. 

There are many websites that you can visit to get some ideas on what design you prefer. Get yourself exposed to different kind of designs out there. From there you can decide on the paint color, lighting, curtains and etcetera. Narrow down the designs you like and discuss with your interior designer if you engage in one. Share your ideas with your interior designer on the style you prefer for you living rooms, kitchen, bedrooms and toilets. 

3. Compare quotations 

If you are engaging with an interior designer, make sure you have a list of interior deisgners you prefer before you sign the contract. Discuss with your preferred interior designer on the designs and pricing to make sure you are getting the best out of it. Tell your interior designers your budget and your preferred designs and theme for your house to prevent any disappointments. 

With so many websites in the Internet such as Pinterest where you can look for ideas, it has definitely made your life easier by helping you to narrow down on the theme that you would like for your house. 

4. Minimal hacking 

Wall hacking involves demolishment of walls or other structures in your house. It could be hacking a wall to combine two rooms into one or it could be because you want to build a partition. Try to minimize any hacking work for your house. If you really need to hack a wall or two, make sure you get permission from the authorized party before you start your hacking journey to avoid getting fined. In addition, do try to minimize the rerouting of plumbing, rewiring, and addition of windows. 

5. Wallpaper and painting 

Having wallpapers for your house is definitely recommended as it is a cheaper option to nice and creative painting. Moreover, it is easily changeable if your tastes ever change in the future. 

If you do not like wallpaper, you can choose to paint your house instead. Choosing the right paint makes a huge difference. Using the right paint can instantaneously revive and brighten your initially dull looking unit. Therefore, choose a color that will brighten up your unit or a color that adds a touch of liveliness to your unit. Nobody wants to come back to a place where it further brings down your mood. Make sure to use only good quality paint as well to protect your home and will certainly last you a few years. 

You can also choose to paint your existing cupboards or drawers at home so you will not need to spend extra on buying new furniture. This will definitely help you to save on buying new furniture for your house. Furthermore, the cupboard will look as new as it is after getting a new coat of painting. 

In conclusion, you should always plan your budget ahead and stick through your budget to prevent getting yourself into debts. Get yourself a budget planner to prevent yourself from overspending on your renovation limit. You can also check out many websites such as Pinterest to get some ideas on what suit your home. You might even be able to DIY some things for your house.


Resepi Ketam Masak Sambal

Assalamualaikum .

Hello =)

Entry kali ni fiza nak share dengan korang resepi Ketam Masak Sambal yang fiza buat hari tu (actually masa bulan puasa hari tu lagi,hee), dan ni la pertama kali fiza basuh ketam, masak ketam. Haha. Fiza sebenarnya tak makan ketam, husband pun tak suka sangat, ni adik fiza la yang teringin sangat nak makan. Ketam ni dia beli kat Pasar Borong Selangor, 5 ekor dengan harga RM65, bagi fiza murah  dah harga tu sebab ketam dia besar dan segar sangat!.


BAHAN-BAHAN 

5 ekor ketam ( salut dengan telur dan garam, lepas tu goreng kejap)
4 daun limau purut
2 sudu sos cili
1 sudu sos tiram
garam
gula
minyak untuk menumis

Bahan Kisar :

1/2 halia
10-15 tangkai cili kering
6-7 ulas bawang merah
3 ulas bawang putih

CARA MASAK

1.Goreng ketam yang dah bersalut dengan telur tu kejap je bagi ketam nampak kekuningan. Siap goreng, masuk dalam pinggan letak tepi dulu.

2. Guna minyak yang sama, tumiskan bahan tumis sampai naik bau .

3. Masukkan sos cili , sos tiram dan daun limau purut. Kacau

4. Masukkan garam dan gula secukup rasa.

5. Akhir sekali, masukkan ketam dan kacau. Biarkan sekejap biar semua sebati .

Siap!