關於 back sitting meaning ，我們在網路上蒐集到這些相關的討論、資訊與評價

With my hubby having to fly out of town last minute, sitting here alone, I truly felt Christmas has been cancelled for us both this year.

Then I started to look around and saw the three Christmas trees we put up together (yes you heard it right, three!), the Christmas village we had set up below our TV, the garland we hung around our door, all the snowmen dotted around our home and even our beloved festive teddies that always come out this time of the year!

We didn’t miss Christmas after all! Christmas isn’t just a day, it’s a feeling. It’s all the mess we made while decorating. It’s all the planning and feel-good moments leading up to the big day and of those, I’m so fortunate to have had so many!

Not to mention all the beautiful and heart-warming messages I have been receiving from all of you!

Christmas is those unfiltered moments where your heart is so full of joy and happiness it could burst and while we celebrate it on one specific day, the true celebration starts the day you get that warm fuzzy feeling inside!

And you know who totally agrees with me, @TheBodyShopSg!

The Body Shop will donate a portion of every transaction made offline and online in their official stores from November to December to support Daughters Of Tomorrow @daughtersoftomorrow, in helping underprivileged women on their back-to-work journeys to build financially independent and resilient families.

This is the Christmas spirit and this is the true meaning of Christmas, my friends!

Can you feel the Christmas magic already?

#MakeItRealTogether #giftwithapurpose #thebodyshopsg

10 tips beli rumah . jom ruang kan masa membaca . tak salah kita menambah ilmu . 😊

1. Pilih Loan Yang Betul
Pastikan loan pertama yang anak muda buat dengan bank adalah loan rumah. Bukan loan kereta. Ini adalah kerana loan kereta akan menyebabkan komitmen anak muda semakin tinggi dan kelayakan di pihak bank untuk beli rumah semakin berkurangan. (Kalau nak pakai kereta jugak, pastikan guna nama orang abang, kakak, atau ayah. Asalkan bukan nama kita. Nak senang lagi, mintak nak...
Continue Reading10 tips to buy a house. Let's space the time to read. It's not wrong for us to add knowledge. 😊

1. Choose The Right Loan
Ensure the first loan that young people do with the bank is a house loan. Not a car loan. This is because car loans will lead to young people's commitments getting higher and the qualifiers on the bank to buy houses are reducing. (If you want to use a car, make sure to use the name of your brother, sister, or father. As long as it's not our name. Want to be easy again, asking to continue paying their car)

2. Use Company Accounts As CashFlow
If young people do business, make sure that customers bank in to the company account. Not a personal account of young people. If the customer banks into a personal account, it will NOT be counted as INCOME. So, lose it there. If anyone missed it, transfer back to the company account with a note ′′ CASH SALES ". If you are eating your salary, and within the same time your own business, register the company. ENTERPRISE is enough.

3. Pay KWSP
If young people are doing their own business, make sure to set your salary for yourself and pay your own business. When applying for loan bank later, there will be 2 types of income of young people. That is income from business, and income from your own salary. For salary payment, use company check to pay. Avoid transfer online only. And make sure to make Payslip and cop together.

4. Don't Influence ASB Loan and Personal Loan
Don't be quick to take ASB Loan or Personal Loan. Because this type of Loan is always the factor that leads to our home bank rejected loans. If you want to take ASB Loan too, make sure that after passing your home loan, then take it once. For me, if you plan to buy a second property, don't take an ASB loan anymore. Because usually the bank will offer us after we pass our first home loan. (but it's different if your income is big, if just taking ASB Loan and monthly payments doesn't give a big effect on your DSR, it's okay.

5. Buy First Home For Investment
For the first home, make sure you buy for investment purposes. Why did I say that? Because if young people buy to sit by themselves, it will be a expenses for young people. It's different if young people buy it in cash. Investment is also divided into two. Either Cash Flow or Capital Gain. If young people choose to cash flow investment. It means young people rent the house to others. Ensure the rent given is nothing less than the bank's monthly payment. Another one is Capital Gain. This means, young people buy a house at a certain period, and when the value of the house increases, young people sell / flip the house and get profit from the sale. This way is called Capital Gain.

6. Don't Combine The Name Of Husband Wife When Buying
Avoid combine the name of husband and wife while buying a house. This is because, everyone is only eligible to get a 90 % loan for two houses only. If the 70th house, only get a loan for 70 %. This means, if you follow the rules, a couple of wives will be able to buy 4 houses. But if combine the name, it will be only 2 houses to get a loan of 90 %. So, you'll lose it. The right rule for a husband and wife is... Buy 4 houses, 1 to sit alone, and 3 more for rent. It's a profit from renting that house to pay monthly for the house that you sit. Isn't it like sitting like that?

7. Ensure CCRIS Records CLEAN
CCRIS record is a record from Bank Negara that collects our debts with financial institutions in Malaysia. To make it easier for you before you decide to make a home loan, make sure you check your own CCRIS record first. Later you'll see your debt list and next to your monthly payment list. If it's 0, it means your record is clean. You're a man of mind. If it's 1, this means there's 1 months out, then 2,3,4 and so on. The way to check is to go to the National Bank and use the machines provided. Or now can apply online only. I'll show you the other day.

8. Three Types Of Home You Need To Know
There are three types of homes you can buy.
FIRST - undercons house (meaning under construction). Usually undercons homes are suitable for people who plan on FLIPPING (Selling) when they're done. If you're looking for a house with discount 7%, then you just need to remove 3 % capital. If you can find a house that gets 10 % discount, then you don't need to withdraw the capital to pay deposit.
BOTH - House of subsale. (means the house is done and has someone else's name). For this type of subsale house, a very large capital is required. If the house is RM500, 000, then a deposit of RM50, 000 is required. Added again with legal fees, etc.
THIRD - Auction House. Among these three types, auction houses are at very high risk. But it's okay.. high risk, the return is high.. If winning auction bid is much cheaper than market price, you'll be lucky.. For auction types, you need to study in terms of market value, house state, neighborhood and others before committing to join the bid. If you ask me, I'd rather buy a UNDERCONS house. 😊

9. Buy Undercons Home
If you choose to buy a house under cons, then choose a big developer. Examples like SP Loyal, IJM Land, Sime Darby, Worldwide and others. The first reason why to choose this developer is less risk. Meaning, the risk for abandoned projects is very low. If you choose a developer with no name, the risk is very high because they may lack capital or have other problems and cause the project can be abandoned. We will lose too later.
Second reason, if a big developer, they usually provide many benefits to their property buyers. For example, 5 %- 10 %, free air conditioner, alarm system, vinyl floor and more. Additionally, big developers will usually provide plenty of facilities in a residential park that they are developing. Look at SP Loyal example. So lucky people buy a house in this nature. How many new facilities they get. For example, there are malls, mosques, banks, parks, and more.

10. Buy Following Skills
Buy a house according to ability. Don't follow the lust. Yerlah, sometimes we are affected by friends who buy big houses, we also want to buy a big house. Loan may be able to pass.. but when entering the monthly payment chapter, it's really burdening you. Monthly commitment is higher than the income you get. Last-last, outstanding! So, to avoid this happening, before deciding to buy any house, make sure you count first about your monthly income ability to pay the house later.

11. Extra Tips
It's normal if loan for the first house, the bank wants to see your CCRIS record. Depends on some banks too. If you have never made a loan with a bank, then your ccris record is empty. And banks can't judge how discipline you are on loan payment. So, if this problem happens to you, there are 2 ways you can do it.
FIRST, you apply credit card and use it. The way to use the correct credit card is, swipe during the day, and at night keep paying back the credit card. This is to prevent you from forgetting to pay.
, make personal loan in the lowest amout in Easy RHB. This way, the bank will see a track record that you are a good debt payer.Translated

Congrats Christian Casido, our 1st winner of #depressionisnotajokecampaign.

#MackyInterpretations
#DepressionIsNotAJoke

"DEPRESSION IS NOT A JOKE"

•At my first glance at the photo the first thing i have noticed is the word "depression" and it is the first word that catches my attention as i look at these photo.
The written text "depression is not a joke" which have different colors. Black for "DEPRESSION" Red for "IS NOT" and also "A JOKE" which is the smallest among those words that are written in the photo.
•Have a second look, do you see it? Behind those green background you will see an image. At first you will not notice the image unless you focus and you will see what is "depression behind depression" (Literally, you can see there word depression and an image of a depressed person behind it)
The image of a person sitting behind that green background also emphasizes that, some people with depression won't show any signs, they will hide how they are feeling, it indicates that they are ashamed or it's weak and afraid and do all they can to hide and pretend everything is okay.
Depression has no face at all, the image behind the green background is the meaning of depression.
And the words that are being not properly arrange has a connection to the real meaning of depression, because depression is a mood disorder that causes much feeling of sadness and loss of interest and affect how you feel, think or behave and can lead to emotional and physical problems.
That's why the words are disarranged.
•Have you seen the word "A JOKE"? I have mentioned earlier that it is the smallest among the words, why? Because, most people won't notice it unless you look closely.
The fact that they didn't understand and they don't see it as a big issue, and this is something that they can joke about.
The whole photo has taught us what depression is. Some people don't even realise the impact of making fun of depression because in their head they are not taking it seriously.
Just like what happened recently in our group making fun of depression without knowledge about what really is the meaning of depression and how it will affect to those people, and connection to the photo we need to be fucos and take it seriously, because we will not find the real meaning of it, unless we will think and know the real meaning just like what we are doing in having an "interpretation"

Just like the word "A JOKE" as you can see in the image it is small right? But how come that a small word would cause a great impact if we will just ignore it, and as you can see it has a shadow there is a dark side behind it.
•Over all, it is a serious problem, people need to be educated about mental health problems, without it people would just make fun and making it as a joke.
•Unlike the image behind the green background, we need to take part Stand Up and Fight Back. We should respect their feelings if they are having depression.
People should be taught to Respect mental issues.
•And the people that are making jokes about it contributes to the harm and suffering of people who are experiencing that kind of situation.

#DEPRESSION_IS_NOT_A_JOKE

I hope you read my entry 😊💕 It takes time for me to think about it and lots of error at first, but i hope you truly understand the real meaning. That are all my knowledge regarding on depression and my interpretation on the photo..😊 All needs to be educated as well this is the best way for the people who don't know about depression to learn something.
God bless you all💕