Monday, July 30, 2018

Most Luxurious Floral Arrangement From A Better Florist Malaysia

Assalamualaikum.

Hello =)


Having the most beautiful bouquet or gift at someone’s birthday party or celebration of any kind, can be the best feeling ever, especially for the one that you’re gifting it to. A Better Florist is a florist team that works hard on providing the most luxurious floral arrangements as well as gifts, so that you’re gifting game is always on point. In Malaysia, A Better Florist is known as the most reliable KL flower delivery, and overall a Malaysia flower delivery that gives you exactly what you’re looking for, when you’re looking for it.


The best florist in Malaysia has a beautiful catalog of flowers, including arrangements, small or big, floral bouquets, all for a multitude of occasions. The vibes as well as type of flowers varies from one arrangement to the other, but there’s no doubt that they always offer something new, refreshing, and something that is bound to impress you.

Their blooms come from local flower nurseries, straight to their florist in Ipoh and their florist in Penang, as well as to their flower delivery to JB. That’s their secret to incredibly gorgeous and fresh blooms that arrive to your doorstep, and partially what makes them the best florist in Kuala Lumpur. This praise also comes probably because they make flower shopping super convenient, giving you the chance to shop online using your phone or computer, or go to one of their flower shops in person. Shows that they know how the world works today, but also that they care enough to give their customers options. And we’re all about the options.


A Better Florist has a beautiful catalog that includes a fruit basket collection, as well as a hamper collection that includes a baby hamper, a food hamper and plenty more that’s bound to make your loved ones feel super special. 


This is how they became the best Singapore flower delivery, and are expanding to offer a UAE flower delivery, a flower delivery Brisbane can now enjoy as well as a flower delivery in Hong Kong.


What stands out with this team of florists is their flower delivery as well. They offer a flower and gift delivery that delivers on the same day that you have placed the order.As long as you order flowers or hampers, or whatever you need before 3pm, you get a free flower delivery on the same day.


It’s also quite satisfying to know that you can count on their best flower delivery Singapore has if you have someone in Singapore you want to show appreciation to, you can count on the best florist in HK, their best flower delivery in UAE and their best florist in Dubai. They are everywhere, which makes it easy to share the love, and make your loved ones everywhere happy.


If you’re feeling flower cravings right about now, jump on their website right now and enjoy!



Santai Hujung Minggu Di Bangi Wonderland Themepark

Assalamualaikum.

Hello =)

Ahad lepas, untuk pertama kalinya fiza jejakkan kaki ke Bangi Wonderland Themepark bersama husband, Noah dan adik fiza. Hari yang sama juga beberapa kawan-kawan KBBA pun ada sekali termasuk family Kak Sueiza dan Qaseh . So memang meriah la kami hari tu. Sebenarnya fiza teringin nak ke sana sejak awal pembukaan dia lagi, tapi tulah tak berkesempatan. Bila tengok je sana sini orang duk post gambar , haa jeles menggunung oikk.


Kemain happy Noah, dia dah tahu dah kejap lagi nak melompat lompat dalam air tu :). Jarak rumah fiza dengan Bangi Wonderland ni takde la jauh sangat, dalam 20 minit perjalanan je. Kami bertolak dari rumah pukul 9.50 pagi, pukul 10.15 pagi dah sampai. Waktu kami sampai tu orang tak ramai lagi, mungkin masih awal sebab kaunter dibuka pun jam 10.00 pagi. Parking berbumbung disediakan dengan bayaran RM6 sekali masuk, jadi tak perlu nak risau tentang masalah parking.


Waktu nak masuk tu, akan ada staf di sini yang bertugas untuk memeriksa beg yang kita bawa, bukan check apa, cuma mereka nak memastikan yang tiada makanan luar di bawa masuk. Ya, makanan luar tak dibenarkan dibawa masuk ke sini, alaa rules biasa di mana-mana themepark pun kan. Kejap je dorang check lepas tu dah boleh terus menuju ke jalan yang benar, kolam seluas alam ni,



Noah serius teruja sangat boleh main air macam ni, pelampung tu kami beli kat kedai yang ada kat sini. Papa dan mama Noah pun sama naik dengan anak teruja tu. Waktu ni cuaca tak panas lagi, so seronok la main air. 

Apa Yang Menarik di Bangi Wonderland?

Terdapat 14 jenis rides yang disediakan di sini yang boleh kita main iaitu :

  • Anaconda Trail
  • Body Slide
  • Boomeriang
  • Green Pearl
  • Insane Racer
  • Kids Adventure
  • Magic Funnel
  • Meander River
  • Pirates Bay
  • Pirates Spa
  • Spiralax
  • The Fall
  • Water Cannon
  • Wonder Loop

Macam-macam jenis keseronokan dan ada yang sangat mencabar bagi fiza. Fiza ni kira dalam kategori penakut jugak la, sebab tu ada permainan yang tak sanggup fiza cuba walaupun teringin nak main. Adik fiza la yang paling hati kental , bukan dia je, dengan kaksue, kimah (adik kaksue) dan qaseh sekali terjebak dengan jiwa kental dia. Sebab apa? sebab dorang boleh main Magic Funnel ni yang bangi fiza menyeramkan sungguh dan The Fall yang macam terjun bangunan tu 

Korang tengok video ni dan abaikan suara 'seram' fiza tu eh -.-





Fuhhh, seriauu. Tapi dorang cakap memang enjoy sangat naik Magic Funnel ni walaupun dalam hati rasa takut tu menggunung. Korang yang nak uji kental ke tak hati tu, boleh la cuba kalau datang ke Bangi Wonderland ni. Ehh, walaupun tahap takut fiza tinggi, fiza tetap cuba juga permainan lain yang ada kat situ, rugi la kalau datang cuma berendam dalam kolam tu je.Haha . Rides apa yang fiza main? haa ni dia,


Bergegar jantung weyhh. Masa kat atas duk tunggu giliran tu, fiza hampir nak lari turun balik , taknak main. Tapi macam biasa, termakan pulak dengan pujuk rayu adik. Satu lagi fiza main boomeriang, ni pun best giler walaupun dalam hati habis doa fiza baca, hahaha.

Ini Anaconda Trail,


Ini pulak water cannon, 







best kan! Betul-betul berpesta air kami hari tu

Untuk kanak-kanak, dah disediakan tempat yang sangat menyeronokkan dan sesuai dengan mereka iaitu di kawasan Pirates Bay ,





Comel je tengok budak-budak kemain riang bebas main air kat area sini. Paras air kat sini pun sesuai dengan ketinggian kanak-kanak. Walau bagaimanapun, still ibu bapa perlu ada untuk mengawasi keselamatan mereka ya :)

Kemudahan yang terdapat di Bangi Wonderland

Antara kemudahan yang disediakan disini untuk pengunjung yang datang ialah ,

Surau
Bilik Medic
Locker simpanan 
Bilik persalinan
Bilik bayi
Ruang terbuka untuk pengunjung (disediakan kerusi dan meja)
Toilet OKU
Perkhidmatan sewa pelampung
Perkhidmatan sewa Cabana 

Yang cabana ni fiza suka sangat, nampak rileks bersantai dengan keluarga. 


So korang, kalau nak bersantai di hujung minggu atau tak kisah la bila, fiza rekomen sangat untuk datang bawa keluarga ke Bangi Wonderland ni. Fiza pun nanti nak repeat lagi ni. Tunggu Noah besar sikit lagii

Info Lanjut :







Tuesday, July 17, 2018

Keluarkan Produk Jenama Sendiri Dengan Modal Serendah RM5000!

Assalamualaikum .

Hello =)

Siapa kat sini pernah terfikir untuk ada produk berjenama sendiri? Fiza pun selalu berangan tau, cita-cita nak ada produk berjenama sendiri, nak ada company sendiri. Korang pun mesti ada yang berangan macam ni kan, tambah-tambah sekarang ni ramai yang makin berjaya dalam bidang perniagaan. 

Bila fikir je pasal keinginan nak keluarkan produk jenama sendiri, dalam kepala mesti fikir pasal modal besar yang perlu dibelanjakan, nak kena cari kilang, , nak ada pekerja, kalau keluarkan produk kecantikan atau supplement pulak, nak kena melalui prosedur makmal dan macam-macam lagi lah yang biasa kita fikir bila nak memulakan bisnes macam ni. Memang, bila semua ni muncul dalam kepala, angan-angan tu macam tersimpan je dalam hati .

Dalam entry kali ni, fiza nak berkongsi dengan korang macam mana nak realisasikan impian korang yang nak seperti yang fiza cakap kat atas tu dengan modal serendah RM5000 sahaja. Ya, dengan berbekalkan modal RM5000, korang boleh keluarkan produk jenama sendiri seperti usahawan lain yang berjaya sekarang ni :) Dan yang menariknya segala urusan lain tak payah nak fikir dah, cukup keluarkan modal RM5000 sahaja. Bagaimana caranya? dengan mendapatkan perkhidmatan daripada ZY PHYTO yang akan membantu seseorang yang ingin memulakan perniagaan berjenama sendiri daripada A-Z.


Apa itu ZY PHYTO - KING OF OEM ?

ZY Phyto yang juga di kenali sebagai KING of OEM milik Encik Zaidi Yusoff dan Puan Sharifah Ameelia Akma Mohd Ramly yang mana sudah lebih 10 tahun pengalaman dalam bidang kecantikan dan kesihatan, korang mesti pernah dengar kan kilang OEM. 
ZY Phyto merupakan 100% syarikat Muslim Bumiputera yang menyediakan khidmat membuat produk kesihatan dan kecantikan kepada sesiapa sahaja yang berminat untuk membuat jenama sendiri menerusi OEM yang bertaraf GMP mendapat kelulusan KKM serta sebuah kilang yang telah menjalankan proses produk di bawah ISO9001. Buat masa sekarang ZY Phyto mempunyai rangkaian 9 anak syarikat dibawah satu nama yang terdiri daripada :

  • ZY Phyto Tech Industries Sdn. Bhd.,
  • ZY Phyto Cosmetic Sdn Bhd,
  • ZY Phyto Herbal Science Sdn Bhd,
  • ZY Academy Sdn Bhd,
  • ZY Printpack Sdn Bhd,
  • ZY Phyto Marketing Sdn Bhd,
  • ZY Phyto East Coast Sdn Bhd,
  • Yayasan Qaseh ZY Phyto
  • Emily’s Cattery.

Langkah-Langkah Mempunyai Produk Sendiri Bersama ZY Phyto

  • Buat kajian atau buat penyelidikan pasaran untuk mengetahui apa yang produk anda akan ingin lakukan yang akan dapat permintaan di pasaran atau tidak. Menyelidiki produk untuk memudahkan anda bersaing di pasaran.
  • Dapatkan Sebutharga Dan Rundingan selepas dah ambil kira produk apa yang korang nak keluarkan, datang ke kilang ZY Phyto untuk mendapatkan sebutharga dan rundingan. Jika tidak puas hati, tak perlu buat bayaran lagi. Bayar setelah anda puashati apa yang anda mahu.
  • Pensampelan Dan Rekabentuk Produk. Sebaik sahaja anda bersetuju dengan sebut harga kami, bayaran deposit diperlukan sebelum kami membuat sampel produk dan reka bentuk untuk anda.
  • Pastikan Dapat Kelayakan KKM. Sebaik sahaja reka bentuk produk selesai, produk akan dihantar kepada bahagian pengawalseliaan Kementerian Kesihatan Malaysia untuk mendapatkan kelulusan produk sebelum proses pengeluaran produk dijalankan. Untuk pendaftaran TIDAK mengambil 2 – 4 minggu sahaja. Untuk pendaftaran MAL mengambil masa 3 – 6 bulan.
  • Pembuatan Dan Penghantaran dilakukan setelah semua langkah selesai, maka pembuatan produk akan dimulakan dan dihantar kepada korang atau boleh mengambil sendiri di kilang sebaik produk siap.


Modal Serendah RM5000 Sahaja !

Jadi, dengan tawaran peluang perniagaan melalui ZY Phyto ni, apa yang korang rasa mustahil tu, mampu jadi kenyataan. Dengan RM5000, impian untuk memiliki produk jenama sendiri bukan lagi suatu angan-angan, apa yang perlu kita buat cuma perlu kegigihan dan bijak dalam mengatur strategik untuk tarik orang ramai supaya berminat dengan produk kita dan sekaligus jadikannya setanding dengan produk yang semakin popular di pasaran sekarang :



Antara produk yang tersenarai dalam pakej modal RM5000 ni pulak ialah :

  • Makanan Tambahan 
  • Kosmetik & Set Penjagaan Peribadi & Kulit 
  • Produk Uncang Teh 
  • Minyak Aromaterapi / Minyak Urut 
  • Raw Materials

Nak senang, tengok je risalah ni,


Dengan pakej RM5000 ni, korang boleh pilih salah satu produk ni untuk hasilkan jenama korang sendiri dan selebihnya pihak Zy Phyto akan uruskan mengikut langkah-langkah seterusnya seperti yang fiza dah terangkan kat atas tu. Paling penting, korang tak perlu risau untuk berurusan dengan ZY Phyto ni sebab dah ramai yang mendapatkan khidmat mereka dan maklumbalas yang diterima memang sangat-sangat positif .

Ingat, yang penting perlu bersemangat dan pandai atur strategik pemasaran agar produk yang kita jual tu mampu mendapat tempat di hati pelanggan :)

INFO LANJUT 

Telefon : +603-6038 8898
SMS/Whatsapp : 60192218856
Facebook : ZY Phyto Group
Alamat : No 55A Jalan TIAJ 2/1 , 
Taman Industri Alam Jaya , 42300 Bandar Puncak Alam , Selangor





Friday, July 13, 2018

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 :)






Thursday, July 5, 2018

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!