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The parents of an American national killed in a train accident in Hualien last month on Monday called on the Taiwan Railway Administration (TRA) to take legal responsibility for the tragedy that saw 49 deaths and nearly 200 injuries in order to ensure passenger safety and prevent such tragedies from happening again.
https://focustaiwan.tw/society/202105030010
Pineapple core rot recently reported among exports of the fruit to Singapore and Japan has been caused by poor temperature control in the supply chain and the government has introduced measures to prevent it from happening again, Council of Agriculture chief said Tuesday.
https://focustaiwan.tw/business/202104060018
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
いつもお世話になっております。運営の井堀と申します。
このたび、アカウントが復活しましたのでお知らせします。
ことの経緯なのですが、
8月11日に極楽レンジャーのGoogleアカウントがハイジャックされ
、そのハイジャック犯は、
ログインパスワードやメールアドレス、バックアップコード、
再設定用のメールアドレスなどを上書き変更し、
私は その後、ログイン出来ない状態となりました。
すぐに、Youtubeのサポートセンターにメールで
、アカウントが不正利用されたので、復元をお願いします！
と、連絡したところ、約２日でアカウントの復元ができました。
視聴者様をはじめ、関係者のみなさまにご迷惑と、ご心配をお掛けしてしまい、大変申し訳ありませんでした。
また、暖かいお声をかけて下さった方に本当に感謝しております。
乗っ取りの原因として考えられるのが
海外の案件を装ったフィッシングーメールで
。詳細のファイルを誤ってダウンロードしてしまったことだと思います。
対策としてパソコンを初期化し、
復元したアカウントのセキュリティー強化をしました。
また、今後もこのようなことが起こらないよう
万全のセキュリティー対策を行っていきます。
今後は、通常通り動画投稿のほうを再開しますので、引き続き楽しんで頂ければ幸いです。
今後とも極楽レンジャーチャンネルをどうぞよろしくお願いいたします。
Thank you very much for your support. My name is Ihori.
I would like to inform you that my account has been restored.
Here's how it happened.
The Google account of Gokuraku Ranger was hijacked on August 11.
The hijackers took the following information
The hijacker overwrote the login password, email address, backup code, and
The hijacker overwrote the login password, email address, backup code, and email address for resetting the account.
After that, I could not login.
I immediately sent an email to Youtube's support center.
My account has been abused, please restore it!
I was able to restore my account in about 2 days.
I'm very sorry for the inconvenience and worry I caused to the viewers and everyone else involved.
I am also really grateful to those who gave me a warm welcome.
The possible causes of the hijacking are
Phishing emails posing as overseas projects.
If you have any questions, please do not hesitate to contact us. I think I accidentally downloaded a file with details.
As a countermeasure, initialize your computer and
As a countermeasure, we initialized the computer and strengthened the security of the restored account.
We are also taking all possible security measures to prevent this from happening again in the future.
We will take all possible security measures to prevent this from happening again in the future.
We will resume posting videos as usual, and we hope you will continue to enjoy them.
Thank you for your continued support of the Gokuraku Ranger Channel.
Hello Youtube family,
I'm a little nervous about posting today's video. I'm sorry it's not the usual chirpy type of vlog. Originally, the footage wasn't supposed to be up so early but life never goes the way we plan right?
It’s been a bit of an emotional week. Due to a missed period, I took a pregnancy test on 8th October to find out we were expecting again. Just to be sure, I sent Tim out to get more tests to be sure. Since he came back with a two-pack, I took another test and it came back positive again. With one spare, I took the other test the next day but it came back negative (note- it wasn’t morning urine). Confused- I sent the hubby to grab more. This time, he came back with a triple pack. The next test was a big fat positive. After the initial confusion, we realised we really wanted this baby and thought maybe this baby was truly meant to be.
At the same time, Tim and I didn’t want to think too much. It was very early so we knew anything could happen since 1 in 5 pregnancies end up in a miscarriage. However, it didn’t stop us from thinking of baby names and envisioning our life as a family of four.
During my photoshoot in London, I felt lightheaded and my stomach pains started to feel more intense. I thought maybe I was just over fatigued so didn’t want to worry myself too much. As I was waiting for my flight back home, I felt pressure in my lower region. I stumbled to the bathroom and realised I was bleeding. Rather than the dark brown spotting I had days ago, it was a brighter colour of red indicating fresh blood. The bleeding eventually stopped for a bit so I felt more assured but as I got out of the airplane, I felt the bleeding started to return. Since I was emotionally and physically tired from the long day, I went to to bed early with hopes that rest could maybe prevent the worse from happening. Around 6am, I woke up to more stomach pains and pressure as I went to use the bathroom, I finally accepted I was having a miscarriage.
I knew my body wasn’t in it’s best condition so in a lot of ways, I wonder if it could’ve been prevented. It’s been an emotional few days. I spent it doing some grieving and I feel a lot better now. Since I was less than 5 weeks along, I’m thankful the loss happened early. To those who have also experienced a loss, I am so so sorry and my heart is with you. Know that you are not alone. We can only try to understand that everything happens for a reason. I hope you can take comfort in your family and friends.
It made me thankful to know Isaac was born into the world safely with no complications. I know Tim and I are still young and we have more opportunities in the future to expand our family.
We were not ready for another baby and the pregnancy was definitely a shock but our early loss has made us realise that if we are blessed to get pregnant again in the future, we would be ready and happy for it.
Physically, my body doesn’t feel too bad. It just felt like I was having a very heavy period. Usually my flow finishes in 4-5 days but my womb completely cleared within 2 days. Still experiencing a little nausea and cramping but I’m getting lots of cuddles from the family. Chubbi and Domo make fantastic hot water bottles too.
Even though it was an early miscarriage, I think I was a more upset about it than I thought I would be. I wasn’t as excited as I was with my first pregnancy and it was because I was overwhelmed since I knew what to expect. Once I started to embrace the changes about to come our way, I was able to connect with my pregnancy with excitement. Unfortunately, by then- the pregnancy couldn't progress.
Tim has reminded me that I could’ve been perfectly healthy and careful and yet sometimes, these things will just happen. We still feel incredibly blessed for our family already. We will leave it all to the Lord. He has been taking care of our family and we know everything happens for a reason. We know other people out there have had it way worse. Our situation is nothing in comparison. We are always going to be thankful ^_^
Love, the Bubz family xo
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