2012-12-31 2012 回顾

Asset 增加
Travel to Bangkok,Bali,Penang,Cameron highland,kuala lumpur,genting, Melaka
Start my own business
Register company name
Moved back to Malaysia
Rented our house
Shoot more than 24 case actual day
Primary gathering
University travel gathering at 玻璃屋
Buy new car audio system
Learn and invest in forex
Getting one more house
Spend more time with family
Subscribed to property investor club
Subscribed property magazine

2012-12-31 新玩具

不久前换了唱机pioneer mvh 155ui + 喇叭macrom 60mk2 后， 前几天有去换了DSL MS6A 喇叭。这些都是我的新玩具。研究了一个星期，对音响有了进一步的了解。我这个人很奇怪，要买ipad考虑了很久都没买，但这些玩具我却很快决定；）
继续享受中。。。

2012-12-27 汽车音响

自从上个星期心血来潮去换了汽车音响后，就渐渐的越了解，越了解后就心痒痒想去追求更好的品质。之前想换的原因是想播音乐给女儿听和可以听一些讲座的录音。现在渐渐喜欢在车上听音乐了，也发觉跟手提电脑发出来的品质有些差别。

2012-12-17 Step to buy lelong house until get the property

Below is what I understand now. Please let me know if I miss out anything.


Look lelong notice
Call auctioneer check detail
Try get the SOP
Survey on the house
Check bank valuation
Check recent transaction
Check renter rate
Buy banks draft
Attend auction
Win in auction
Sign memorandum after success
Look for bank offer
Decide need include bank loan agreement lawyer fees or not
Decide and sign one offer
Check with lawyer film pricing
Decide which bank panel lawyer to use
Pass all document to lawyer
Bank will pass offer letter detail to lawyer film
Settle cukai tanah,cukai pintu,water and electric
change water and electric owner name
Sign property agreement, bank loan agreement.
Pass all bill to lawyer for claim
Lawyer will check title,bankruptcy,ROB,
Buy balance bank draft
Lawyer ask bank come out money
Open bank account (for flexi loan)
Start pay installment
Lawyer claimed back all the bill and cukai
Lawyer will give back all the agreement and document to prove that you are Ye owner

2012-12-11 转帖：父亲说给孩子的一席话

#你可以要求自己守信，但不能要求別人守信，你可以要求自己對人好，但不能期待人家對你好。你怎樣對人，並不代表人家就會怎樣對你，如果看不透這一點，你只會徒添不必要的煩惱。#

2012-12-07 电费

太太今天问我电费的算法，我去找了资料给她。在马来西亚首两百瓦最便宜，之后就比较贵了。差不多是首两百瓦价钱的双倍。

平时我们看到的电器都有瓦数，比如六百瓦的果汁机，如果连续开一个小时就会消耗六kw的电力。差不多是RM0.60

2012-12-06 手续

拿到银行的letter offer 后就拿到银行的letter offer 后就要选择律师，通常银行只让你选择它们的律师，所以就要在这些律师中选择，考虑的因素包括
-价钱
-手续快慢
-态度
-沟通
这次我没货比三家就去签了，所以下次我必定要多问几间律师楼的价钱！因为另一间个我的价钱相差Ｒｍ700之多。
找了律师之后就要去缴清电费，水费，门牌税，地税，indah water.通常是可以claim回的，这点要很小心，因为这些费用可能高达数十千！利滚利很可怕的！
之后要去的就是割水电。然后在要求银行出钱前要缴清所有的balance.
银行出了钱后就完成了120天内付款的条约，接下来就是漫长的割名手续。