Categories
Advertorial

7 Sebab Kenapa Anda Perlu Menggunakan Kad Debit BigPay.

Sebelum ini, kami sering bertanya sesama sendiri ke mana perginya duit belanja dapur yang kadang-kadang lari dari peruntukan bulanan. Duit ‘ghaib’tanpa ada kesan. Inilah masalah kami kerana tidak ada merekod secara terperinci belanja bulanan kami. Bila terjadi ‘bajet lari’ barulah audit semula rekod belanja sebulan.

Pembelian tiket kapal terbang dengan kad BigPay
Pembelian di pasaraya dan tiket kapal terbang dengan kad BigPay

Sejak menggunakan kad debit BigPay saya dan isteri lebih mudah membuat rekod perbelanjaan terutamanya perbelanjaan melalui bayaran atas talian atau ketika berbelanja di pasaraya.

Pembelian dan bayaran melalui tukaran matawang asing pun tiada masalah. Boleh saja bayar tanpa ada masalah selagi ada duit di dalam akaun.

Bayar Dengan Kad BigPay (2)
Pembelian dari luar negara dan saya cuba keluarkan dari mesin ATM.

Selain kad ini digunakan untuk membuat bayaran, kita boleh mengeluarkan duit menggunakan mesin ATM. Namun cas yang dikenakan adalah RM6 (dalam Malaysia) dan RM10 untuk pengeluaran di luar negara. Pengeluaran dengan memasukkan 6 digit no pin keselamatan seperti kad debit/kredit yang lain.

Selain itu ada beberapa ciri lagi kad BigPay yang menarik perhatian saya untuk terus menggunakannya seperti;

Ciri Keselamatan – dengan konsep e-wallet boleh simpan dengan minima sahaja mengikut keperluan. Aplikasi BigPay di telefon mudah alih memerlukan 6 digit no pin untuk akses ke akaun/apps. Boleh bekukan kad melalui aplikasi di telefon sahaja jika berlaku kehilangan kad.

Notifikasi – setiap kali berlaku transaksi duit masuk atau keluar akan dihantar notifikasi ke telefon kita.

Tiada Bayaran Proses – penjimatan semasa membuat bayaran pembelian tiket Air Asia.

Kumpul Point – Setiap kali menambah nilai atau berbelanja akan diberikan mata ganjaran. Boleh kumpul dan ditebus.

Pengunaan Luar Negara – tidak perlu diaktifkan kerana sedia aktif untuk penggunaan luar negara. Nilai pertukaran matawang asing secara automatik bergantung kepada lokasi semasa.

Pengeluaran Duit Di ATM – Seperti yang saya nyatakan sebelum ini di atas.

Yuran Tahunan – Tiada

Cara Mendapatkan Kad BigPay

Kad Bigpay
Kad Bigpay

Buka link http://bigpay.link/referrals dan ikuti semua langkah pendaftaran. Masukkan kod di bawah semasa pendaftaran.

Referral Code: HL7FNTRG26

Anda perlu memasukkan RM20 untuk pengaktifan dan kiriman kad fizikal. Selepas berjaya diaktifkan, tambahan RM10 akan diberikan terus ke akaun anda.

Boleh digunakan terus selepas itu.

Saya paling suka guna kemudahan transfer duit kepada ahli Bigpay yang lain tanpa perlu minta no akaun bank. Cepat dan Pantas!

Categories
Advertorial

Types Of Properties In Malaysia

Before you make your major decision to buy a property, make sure you are familiar with the types of property available in Malaysia. With so many properties for sale, you will need to take some time off to do your research on which type of property best suits your needs and wants. Afterall, buying a property is a huge commitment and it involves a huge sum as well. You definitely do not want to end up regretting over your wrong decision that you have made due to lack of research. That will then be too late. Fret not, this article will explain to you the basics of property type in Malaysia.

First of all, you ought to know the key market segments in Malaysia, namely:

  1. Mansion; Bungalow; Villa

Mansion, bungalow and villa are the best example of luxury in Malaysia. However, there is a slight difference between these three types of property

  • Mansion

A mansion is defined by luxury that is much bigger in size than bungalow. Different countries have a different definition of mansion, but one thing they share in common is that mansion refers to a property that is designed in grandeur for the rich.

  • Bungalow

A bungalow is built on a stretch of land. Bungalows are somewhat similar to mansion, but much smaller in terms of size and sqaure foot.

  • Villa

Villas can be very similar to bungalow, but they are known to be much larger with their own gardens and much luxurious.

  1. Semi-detached; Detached

  • Semi-detached

 A semi-detached house is a house that is built as one of a pair that shares one common wall with the neighnouring home. In addition, the layout of the house will be a mirror image of the neighbouring house.

  • Detached

Detached house is a house that stands on its own without adjoining its neighbouring house.

  1. Terrace

Terrace house is a house that has been built as part of a continuous row of house in a regular style. Terrace house is also similar to link house and superlink house, with the only difference between them is the sizes. Terrace house is the smallest among all, followed by link house. Superlink house is the largest in size, ranging up to 34 feet x 80 feet.

  1. Townhouse

A townhouse is typically known as two homes in one, also known as a house with multiple floors where two units are stacked on top of one another, or attached to each other side by side.

  1. Apartment; Flat

Both apartment and flat are the basic high rise developments in Malaysia that are affordable and have existed for decades.

  • Apartment

An apartment is usually over 5 storeys tall and is guarded and gated. Moreover, an apartment unit comes with complimentary outdoor parking space for the residents as well. In addition, residents get to enjoy the basic facilities offered such as the playground.

  • Flat

A flat is a non guarded and non gated walk up residence, usually 5 storey or less with only outdoor parking space and no facilities.

 

  1. Condominium; Serviced Apartment/Residence/Suites
  • Condominium

A condominium is an individually owned housing unit in a multi unit building, with each condominium unit owned separately by the people living in it. Condominium usually comes with high security and basement or indoor parking bays. There will also be a full range of facilities offered to be shared among the residents.

  • Serviced Apartment/Residence/Suites

A serviced apartment/residence/suite is somewhat similar to a condominium unit, but comes with hotel like service and amenities such as, bellboy service, house keeping, room service, and so on.

  1. Penthouse; Duplex; Loft
  • Penthouse

A penthouse unit is usually located on the highest floor of a condominium building or hotel and typically occupies the entire floor. In addition, penthouses nowadays are double storey as compared to penthouses in the past where they were single storey.

  • Duplex; Loft

Duplex and loft are similar property that come in different names. These two types of property are normally double storey units that are located within a residential unit.

 

  1. SoHo; SoFo; SoVo; Vos

The SoHo, SoFo, SoVo and Vos are the newly introduced types of properties in the Malaysia property market.

  • SoHo

The Small Office Home Office (SoHo) units are used as either home or office. It is typically used for small business or individuals who are self employed with small number of employees.

  • SoFo

The Small Office Flexible Office (SoFo) units are used as office and are known as flexible offices due to the units having breaking points in the walls in order to enlarge the spaces.

  • SoVo; Vos

The Small Office Versatile Office (SoVo) and Versatile Office Suites (Vos) are similar and can only be used for commercial purposes.

  1. Shophouse

Shophouses are homes that are located above the shops. Despite the shops have a commercial title, there are still possibilities for the houses located above to have a residential title. This however, will depend on the developer on whether they could apply for residential title for the houses located above.

  1. Retail Lot; Shop Lot

Retail lot units refer to units that are located within malls whereas shop lot units refer to units that are located in commercial areas.

  1. Integrated; Mixed-use Development

Both integrated or mixed use development is a type of development that consists of a mixture of residential, commercial or entertainment uses. Some developments might include shopping malls, theme parks, offices and so on.

In conclusion, investment in properties will still depend on your budget and how much you can afford. Make sure you know the differences between the types of properties in Malaysia before you decide. You should take these factors into consideration as well before deciding which to buy, such as monthly income, purpose of buying (own stay or investment), cash available, and loan amount. As buying property is a huge commitment that involves a huge sum of money, make sure you do your research and plan ahead to make the best decision out of it, as you definitely do not want to get caught in a debt.

Categories
Advertorial

Decorating Tips For Small Bedroom Spaces

There is an increasing trend towards smaller homes, and smaller total square footage means a proportionally smaller bedroom. Aside from the master bedroom, secondary bedrooms are also getting the down-scaling treatment. Homes are getting smaller and more expensive, especially in the vicinity of the city (take for example, a hdb in woodlands).

Downsizing, however, does not mean that you have to forget about décor and design. In fact, décor and design is even more important in smaller spaces. The décor choices you select need to have intent, while furniture pieces need to be space-efficient. Read on for some small decorating ideas that can make a big impact in your bedroom space.

Small Bed Room Space

White and Neutral

White and beige are some of the most versatile and timeless colors. Not only that, color schemes that are predominantly white and/or beige makes the room feel larger, airier and more spacious. By virtue of their hue, they keep the space bright and light, both in terms of décor and aura. This helps work wonders when you need to make it seem like there is more space than there actually is.

Furniture placement

When space is tight, the placement of your furniture needs to be deliberate and well-thought-out. Large furniture pieces can be moved to the sides of the room or shoved against the corner of a room. This helps improve free space as well as traffic flow. For example, placing your bed right to the side of a bedroom can help free up much more dead space compared to if you were to center your bed. This helps condense all the free space in you room together, making it look like there is more free space than there actually is.

Trendy wall storage

Instead of the traditional storage solutions like bookshelves and desks, why don’t you bring your stuff off of the floor? Install some trendy floating wall shelves to give you more available space without cramping the room. Shelves are great because they add storage surface, make use of otherwise empty walls while adding more visual depth to your space at the same time.

Loft sleeping area

If your horizontal space is limited, you can try going vertical. As they say, the only place left to go is up. Raise your bed and create a small loft bed on a platform. The space underneath it can be used well for storage. This helps you utilize all the vertical space that would have otherwise been wasted. It also serves to delineate your sleeping area from the rest of your bedroom.

Less is more

Less is more, and this could not be even more true for small bedrooms. The more things you have in your bedroom, the more cluttered it gets, the messier it looks and the smaller it feels. For smaller bedrooms, you would do well to aim for a bigger and cleaner space. Think about it – less stuff, less clutter, less clashing and mismatching, which naturally equates to more space!

Hide-away bed

The bed is possibly the largest piece of furniture in the bedroom, and naturally, it occupies the most space in your place. Hiding the bed is a good idea to free up some space. Consider ingenious designs to hide the bed away. For example, you can have a platform made where the bed can slide under the platform and out of sight. Even a simple murphy bed can work as well.

Lots of light

In small spaces, you want to bring in as much light as possible. It doesn’t matter if it is natural light or synthetic light, or even a good combination of the two. Any light is good light. Consider employing a variety of design tricks, such as painting the walls white, to really bounce around as much light around the room as possible.

Large mirrors

The use of mirrors is a time-tested and effective idea to visually expand any space. It helps trick the eye into perceiving that there is more space than there actually is.  Consider leaning a large and tall mirror on your empty bedroom wall, or even adding mirrored walls. Adding large mirrors around the room will help reflect light around as well, making everything lighter and much airier. What’s more, mirrors are also functional pieces that don’t take up much space.

Vibrant colors

Adding some color to your space can make it even more warm and refreshing. Liven up your bedroom space with pops of bold color. The key, as always, is to avoid making it look overcrowded and too busy. So, remember to keep the walls as a light and neutral backdrop. Then you can add as much pops of accent colors as you like while still keeping the overall design toned down.

A nice daybed

Instead of a traditional bed, why not consider having a daybed instead? It is just as comfortable as a regular bed but is smaller in size. It can also be transformed into a sofa or a couch during the day, showing that its not just a bed but a multi-functional piece of furniture.

Beautifully basic

Create the perfect bedroom space by bringing in only what you need and not much else, especially for lesser used spaces like the guest bedroom. The guest bedroom does not need expansive storage or even personalization like the master bedroom. As long as it is comfortable, neat and welcoming, you can keep the space as basic as possible.

Under the bed storage

We all have that empty space under our beds that usually goes to waste. Instead of letting dust bunnies gather under your bed, turn it into storage space! You can store almost anything under your bed, as long as you have the right storage ideas. Consider getting some nice woven baskets or crafted boxes that can slip under your bed easily. If you have the budget, you can even construct a platform for your bed, incorporating storage options underneath it, such as built-in drawers that are easily accessible yet hidden away from plain sight.

Categories
Advertorial

Evaluating Financial Return Between Short And Long Term Rental

Have you recently just bought a property for investment purpose? Are you planning to rent out your property? With so many houses available for rent nowadays, such as houses for rent in Melaka, it can get competitive in the property industry. Hence, short term rental are now a popular option among the property owners. Online platform such as Airbnb is an online marketplace and hospitality service that allows people to lease or rent short term lodging. Property owners are evaluating the financial return between short term and long term rental as both rental have their own sets of pros and cons. This article will list down the differences between short term and long term rental.

First of all, it is essential to understand what a long term lease is and what a short term rental is. A long term lease is usually a lease between 6 months to 12 months whereas a short term rental is usually 30 days maximum. The table below will list down the pros and cons of long term lease and short term rental respectively.

Long term lease Short term rental
Stable source of income

High occupancy rate

Less hassle when looking for tenants

Tenants bear utility costs

Pros

High rental yield

Rental rate is flexible

Second home opportunity

Terms and conditions are flexible

Lesser chance for increased profit

Smaller market with fewer tenants

Inflexible terms and conditions

Possible problematic tenants

Cons

Unstable sources of income

Higher risk of vacant unit

High maintenance cost

More competitions

Both long term lease and short term rental have their own sets of advantages and disadvantages. Most landlords, however would prefer a long term lease as the tenants will be signing on a fixed period lease, usually from 6 months to 12 months, which gives the landlord more security. In addition, with a long term lease, the landlord do not need to worry on vacant units therefore, do not need to spend time looking for potential tenants. With longer lease, it also means a steady flow of income for the landlord to pay for mortgage repayment.

Do however note that having a fixed period lease will naturally mean there are lesser opportunities to make more profit for the landlord. Let us say the rental rates for properties in the same area have gone up, the landlord are not allowed to increase the tenant’s rental to match the market rate until the lease with their tenant expires.

As for short term rental, the property owners will face with high tenant turnover rate thus higher vacancy rates due to most tenants are not willing to be tied onto a long lease. A short term rental however is great way to earn more money from vacationer as it costs much lesser than staying in a hotel. For example, staying 3 nights in Sunway Hotel Georgetown will cost approximately RM1,700 whereas staying in a 3 bedrooms apartment in the same location will cost only approximately RM630 on Airbnb.

Although property owners who offer long term lease will have harder time looking for a tenant, property owners that offer short term rental do not have it any easier as they are facing competition as well. One of the pros of having short term rental is that the owners will be able to charge extra to make up for the security while arranging for the rental. It will also be a win win situation for the tenants as they do not have to pay for maintenance fees and are able to leave as soon as the rental ends. That being said, property owners will have to make sure that the rental collected will be enough to cover the utility bills such as electricity bill, water bill and Internet. As soon as the tenant moves out, the owner will then have to start advertising the unit and prepare the for the next potential tenant by fixing wears and tears, painting, cleaning, replacing fixtures and so on, which will cost additional fees.

In addition, do take note that platform such as Airbnb charges the host a 3% host service fee when a booking is done through their platform. A 3% service may not look like it is a lot, but it can sum up to quite a bit of amount if you engage in their service regularly.

In conclusion, both short term rentals and long term lease have their own sets of pros and cons. There is no hard rule as to whether to lease your property on a short term rental or long term lease will provide more financial return. Do know your target groups, such as students, young working adults, expatriates, tourists or corporate tenants before deciding on which type of rental. As long as your property is located in the right area and managed well, your investment will definitely provide you a rewarding financial return.