Tuesday, 30 October 2018

Quick guide on buying a house

You are ready for your biggest financial commitment in life, buying a house and you have no idea where to begin. You are contemplating whether to get Rumawip or private condominium. It can get tedious during the buying process if you have not done your research or understand the market. Let me give you a quick and simple guide to buying your dream home.

Type of property to buy

Buying property is not like buying your groceries in the market, it has to be thoughtfully considered to suit your needs and lifestyle. Besides, your financial capability also determines your affordability on the type of your property to buy. For example, a working class person prefers to buy own property near to public transport accessibility or nearer to the KL city, a family with children would prefer to stay near schools and middle-aged person would prefer to stay near suburbs with slower and peaceful lifestyle. So, which one are you?

Besides, your earning capability only allows you to afford a certain level of property. It is better if you can come up with a budget. Banks usually will loan out to first-time homeowners up to 90% of the required amount. Rule of thumb is that the installments should come up to no more than 1/3 of your income. With governments initiatives, there are plenty of affordable housing schemes available for young people like RUMAWIP, PR1MA, MyHome, and others.

Look for your property

There are many avenues you can buy your property whether it is from sub-sale, auction or developer. Browse through property portal websites to look for your desired properties and you will be surprised the type of properties you can find. Otherwise, you may engage an agent to help you look out for your ideal property. You can even check out newspaper or property related magazines to look out for the new developments..

You can register your interest in the project developments with developers and when they invite you for their new launches, you will be surprised the number of discounts they give away to their buyers.

View the property

Once you have found your desired property, do go down for viewing to get a glimpse of how your life would be like if you are staying there; noise pollution, distance of the amenities, surrounding neighbors. It is vital to know because you want to live your life in peace and chat with the owners regarding the unit and previous owner. Make few viewings up to 4 units to have a better idea of your dream home.

For apartments and condominiums, check with the previous owner or agent if the unit comes with parking bays and the number of parking bays, maintenance fees, and facilities of the project. Look out for defects like structural cracks, water leakage and etc because such remedies may cost in thousands and that should be reflected in the property price.

Loan financing

Finally, you decided to get your very first property and now it is the financing part. Speak to various bankers from different banks to check out the rates. Usually, for home borrowers, they are looking at banks that offer the lowest interest rates and the highest amount they can get.

After you have decided which bank to get, the bank will arrange a physical valuation of your property. Based on valuation, the loan officer will give you a loan offer letter to sign, laying out the loan terms, amount, rates and monthly installments. You have the bargaining power to bargain for a lower price with the previous owner if the valuation is lower than expected.

Legal documents

Purchasing property has many legal documents that will be needed to go through to formalize the transfer of property ownership. Here is the list of documents you will need to go through and scheme the details.

1. Booking form or Offer to Purchase - Before signing Sale and Purchase Agreement, also known as SPA, during the interim booking form or offer to purchase plays a vital role to ensure that you have secure your desired property, preventing vendors from engaging into another transaction with other party while preparing SPA.
2. Sales & Purchase Agreement - After signing the booking form or offer to purchase, it will take up to 2 to 3 weeks to draft out SPA for both sides into agreeing to the various clauses and stamping few copies of the SPA to be signed.

3. Loan agreement - Your lawyer will also draft out loan agreement that is to be signed by both you and your bank. 

Tuesday, 16 October 2018

Himalaya Herbal Healthcare Boutique, KLCC - Natural Herbal Healthcare Within Reach.

Himalaya Herbal Healthcare is a well-known household brand amongst those who prefer more herbal based remedies for their ailments. These remedies which to some may come across as primitive, have been proven to not only aid but in some cases prevent the onset of major health issues. Through there research in Ayurveda and the use of herbs gathered from the foothills of the Himalayas, Himalaya Herbal Healthcare has been able to produce a wide range of Healthcare and Wellness products for the everyday end user like you and me.

With a wide range of products ranging from Face Care, Body Care, Hand & Foot Care, Hair Care, Healthcare and Oral Care. Everyone will be able to find something that meets their health requirements and also something to suit their everyday skincare routine.

 Gone were the days of having to order Himalaya Healthcare products online or at pharmacies. Today, all that is a thing of the past with the Himalaya Boutiques that have been opened nationwide. Personally, it is a lot easier now to find the products that I want or need under one roof. Being a person that works in the heart of Kuala Lumpur, the easiest and closest place for me to shop would be in KLCC, since it is just walking distance from my office.
Well, guess what? They have a Boutique there as well. Yippie!

I can go on and on about what they have in store for the everyday layman but I guess it would be best if I took all of you on a short tour of the Himalaya Boutique that is situated in KLCC.

You may be wondering what on earth am I looking for at Himalaya?
To be honest, it isn't any Skincare or Beauty products a.k.a. "Jamu". hahaha.
Mine is more of a health-related shopping spree. Being someone that comes from a long line of family ailments like High-Blood Pressure and Diabetes, I have decided that prevention is better than cure.

The product that caught my eye is Himalayas Diagard Tablets.
This is a specially formulated herbal supplement that helps to Improve Peripheral Utilization Of Glucose, Improves Insulin Secretion, Reduces Fasting Plasma Glucose And Postprandial Plasma Glucose Levels. Tis in turn will also help to prevent Long Term Complications Of Diabetes.

This is just one of the many Healthcare Supplements that Himalaya has to offer. The Boutique also houses an array of products from general to those with specific uses and for specific skin or body types as well.

So if you're looking to find a specific item or healthcare product that is herbal inriched and based on Ayurveda, you now know where to look.

For more information, you may refer to:

You can also visit their Boutique at KLCC which is located at:

Himalaya Boutique - KLCC
Unit C-43-C, Concourse Level, Suria KLCC
Daily Operating Hours : 10am - 10pm.

Until next time, JeanGallyot signing out.

Friday, 20 July 2018

Zy Phyto - A Market Leader And End To End Solutions Provider For Aspiring Entrepreneurs.

So, what exactly is Zy Phyto? To be honest, there was once a time when I too had no clue. The name certainly sounds familiar and I'm used to hearing it every now and then. It never actually spark any interest at first but eventually, the inquisitive side of me took over and I decided to find out more about Zy Phyto.

Zy Phyto is a company that produces Health and Beauty products and has been around since 2007 and have been officially registered as of 2011. Aside from being a manufacturer, Zy Phyto also provided a range of services for young aspiring entrepreneurs who wish to manufacture and produce their own line of products. Sounds too good to be true, but Zy Phyto is not a scam in any way. They also have numerous other branches in which they are cover quite a vast range of services and products.

Zy Phyto isn't a name that just appeared out of thin air, looking back at their past I found that they started from very humble beginnings with an extremely small budget of 3000.00 MYR. Thats absolutly right! 3000 Ringgit only. Sounds really impossible if you as me. Nonetheless, Zy Phyto today serves as an example that nothing is impossible if you persevere. Zy Phyto's nett worth today is approximately valued at over 30 million. Truly Amazing.

Zy Phyto is currently being lead by Mr. Zaidi Yusoff who is the CEO of Zy Phyto and Ms. Sharifah Ameelia Akma Mohd Ramly who has been appointed as the Executive Director of Zy Phyto Industries Sdn. Bhd.

Mr. Zaidi Yusoff is of course known for conceiving the biggest Multi-Industrial Health and Beauty company in Malaysia, Zy Phyto Group of Companies. Sharifah Ameelia on the other hand, has turned many heads in the past by being appointed the the Director of Human Resource at Hyatt Hotel International and Hyatt International Group prior to joining Zy Phyto.

By now, many of you are already wondering what I meant by a Multi-Industrial Company right? Well, Zy Phyto Group of Companies consists of ZY Manufacturing 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 and Emily's Cattery. Quite a handful to be honest.

Here's a brief summary of what each company spear heads:

ZY Phyto Tech Industries Sdn Bhd - The production of Health and Wellness products that are made from food based herbs and a high quality cosmetic line that is produced in a clean and safe environment. All products made here undergo a strict and stringent quality control procedure.

ZY Cosmetics Sdn Bhd - Products made here are inspired by world renowned brands. Zy Phyto Cosmetics manufactures a wide range of products such as Perfumes, Pomade, Hair Cream, as well as other make-up products.

ZY Herbal Science Sdn Bhd @ Saudagar Herba - Supplies a wide range of herbs and herbal products in the form of Powder, Extracts or even Plant Life from minuscule to commercial level with a hub for items "ready to buy".

ZY Academy Sdn Bhd - Provides a Management Team that is knowledgeable and capable of creating programmes that are tailor made.

ZY Printpack Sdn Bhd - Provides Printing Services, Repackaging Services, Design and Accessories/Fittings for the Zy Phyto Group of Companies.

ZY Phyto Marketing Sdn Bhd - Supports and assists in the penetration and and expansion into new markets by providing Advertising, Market Research, Media Planning, Public Relations and Marketing Strategy Solutions.

ZY Phyto East Coast Sdn Bhd - Spearheads the production of Herbal based product and research based on knowledge gained specific to the East Coast Region of Malaysia.

Emily's Cattery - Provides boarding and breeding services for Cat Breeders with a selection of A++ Grade Breeds.

Yayasan Qaseh ZY Phyto - A Community Centred Organisation that was established with the sole purpose of empowering the communities social-economy foundation through business networking, knowledge empowerment, training and joint ventures.

Enough said about Zy Phyto, let's talk about what services Zy Phyto have to offer to all you young entrepreneurs out there. Among these services are:

Printing - They provide multiple professional printing options to suit all your needs and the needs of your business.

Product Registration and Patenting - Zy Phyto will aid you in all aspects of getting your product(s) registered as well as all negotiating processes. All you need to provide them with is a brief explanation about your product.

Design - Zy Phyto's team of designers are ready to design all types of packaging based on your every whim and fancy.

Packaging - Each of your products will be professionally packaged with well designed packaging and this would include brochures and other relevant information.

Product Development - Zy Phyto will play an active role in each step of your product development from it's infancy until the final product is delivered.

Lab and Research Facilities - The Lab at Zy Phyto serves as a one stop Product Research and Developement hub where each product is tested and valued based on it's nutritional values and level of cleanliness during production.

Logistics Solutions - No more worries when it comes to bringing back the finished product. Why? Because Zy Phyto also provides Logistic Solutions to ensure that the finished product is delivered right to your doorstep or outlet.

Negotiations and Training - Zy Phyto also provides Negotiation services and a continuous Training program to ensure that your their prospects and clients are well equipped to tackle any situation that may arise.

I hope the information provided in this write-up is more than adequate for all of you to get a brief understanding of how and what you need to get started in creating your own line of products. Zy Phyto's end to end services should be more than sufficient for you if you are keen on a new start up company and have little or no knowledge in the industry.

For more information or further consultation,  you may reach out to Zy Phyto via their official wesite at http://zyphyto.com/. I wish all future entrepreneurs out there the very best of luck in you en devours. 

Monday, 7 May 2018

Philips BT3206 (Series 3000) Beard Trimmer, Is It Any Good?

Good Morning Ladies and Gents,
Those of you whom are Beard Lovers have been waiting for this write-up since the day I posted images of the BT3206 Beard Trimmer on my Facebook and Instagram. The latest from Phillips 3000 Series Trimmers and Shavers.

It's been a long time coming but after about two weeks of putting this through its paces, I've finally come to the conclusion that although it is priced more towards the high end of the scale, It's features, usability and durability certainly outweigh the price factor on numerous levels.

Among the features that stand out most are it's Innovative Lift and Trim system which lifts and captures more low-lying hairs with every path, the Zoom Wheel which gives you the flexibility to choose up to 10 length setting from 0.5mm to 10mm and it's insane self sharpening stainless steel blades which allows you to get the same precise results every time.

Marketed as a Beard Trimmer, the Philips BT3206 isn't only capable of trimming but it has also acted as an emergency shaver for me when I had to attend a last minute event and looked like a Persian foot rug. LOL. Though I was not able to get a perfectly clean and smooth shave out of the BT3206, it was definitely better than I had expected.

So, after a good two weeks or so of using the BT3206 I'm going to give you my honest opinion on it and you judge for yourself. Out of the box you get the BT3206 unit with a tiny brush to clean the blades, a power cord for charging, a warranty card and a user manual. Based on my searches online, the UK version also comes with a cute little carry bag.

The BT3206 Beard Trimmer boasts a whopping 60 minute run time on a single charge, however I have been using it once every two days for around 10 minutes each time (Because I'm a descendant of Chewbaca) LOL. So that's already 1 hour and 10 minutes, and I find the battery still has enough juice in it to probably run for another 3 cycles (maybe). To add to that, I haven't charged the BT3206 since the day I received it from Philips Malaysia over two and a half weeks ago. Now that is truly AMAZING.
LOL! Yes this guy. hahaha...
Remember I mentioned one of the features the BT3206 Beard Trimmer boasted about was it ability to self sharpen the blades? Well, believe me it's true. Just about 2 days ago, I accidentally cut my self because the blades are super duper sharp. Painful? YES!  But it just goes to show that what was said isn't just a marketing shenanigan of sorts.

Durability is something that was not mentioned in the brochure however I find the BT3206's build quality to be extremely good. I've dropped it twice already and there isn't a single visible scar nor any loose / rattling parts. (Yeah, I can be a klutz sometimes).

Owww.... Did I mention that the 10 length setting work great!!! Initially I wanted to test out it's ability to be used as an emergency shaver and decided to put it to it's lowest setting. Guess what? Voila!!! Perfectly trimmed beard and almost clean shaved look.

Today, I generally use Philips Beard Trimmer to trim my goatee when it starts going GROOT on me if you know what I mean. Every bearded man knows that no matter how perfect a goatee you have, there will always be the ROGUE ONE. (Ok, so i'm a StarWars fan. Sue me!).

Priced at 175.00 MYR, I feel the price is a bit steep. Nevertheless, if you have the extra bucks then the BT3206 Beard Trimmer by Philips would definitely be a steal. Plus it comes with a 2 YEAR WORLDWIDE WARRANTY! What more could you ask for?
Everything from the build quality right up to the precision and battery life was more than I had expected to be honest. I'm a believer now.

To find out more on the Philips BT3206 Beard Trimmer or other Series 3000 products, you may visit Philips Malaysia's Website.

Till next time. Have a good one folks.

Saturday, 5 May 2018

MEGA BONANZA 2018 Agrofarmstay Melaka kembali lagi!

Agrofarmstay Melaka tahun ini sekali lagi mengadakan Mega Bonanza yang sangat menjimatkan pelanggan mereka. Berita baik untuk yang ingin mengadakan Hari Keluarga, company outing ataupun reunion dengan kawan-kawan boleh grab pakej ni.

Penjimatan bermula dari RM1,000 sehingga RM3,900. Banyak boleh jimat tu. Kurang-kurang pun RM 1,000. WOW hebat penjimatan ni. Nak tahu apa pakej yang ditawarkan sempena Mega Bonanza ni? Sambung baca entri Abam.

Tawaran kali ini adalah untuk pakej hari keluarga. Konsep pakej kali ni, tempah dulu dan tarikh family day tu boleh ditetapkan kemudian hari. Kalau belum ada tarikh lagi bila nak buat family day tu, takde masalah pun bila dah siap booking tempat.

Pihak Agrofarmstay tahu nak organize family day ni bukan senang. Nak dapatkan persetujuan semua ahli keluarga pun kadang memakan masa. Jadi dengan adanyabpromosi terhad ni, bolehlah buat tempahan dulu dan bagitahu tarikh family day kemudian. Korang boleh pilih tarikh dari sekarang sehingga tahun depan 31 Mei 2019. Banyak lagi masa nak plan family day korang tu. Sekarang ni alasan susah nak organize family day tu bukan lagi alasan.

Promosi ini bermula dari 25 April 2018 sehingga 13 Mei 2018 je tau, so apa tu tunggu lagi, booking dulu  pastu tarikh family day atau event bagitahu kemudian. Haaa, 3 kali dah Abam ulang ni tau. Tempah dulu, bayar kemudian! Hahaaha.

Kandungan Pakej Mega Bonanza 2018.

Pakej ini menawarkan penginapan 2 hari 1 malam untuk 20 orang. Kalau lebih dari 20 orang, boleh tambah bayaran mengikut pax selebihnya. 

Makanan yang disediakan sepanjang tempoh korang menginap ni pulak terdiri daripada sarapan pagi, makan tengahari dan makan malam dengan BBQ. Pihak Agrofarmstay juga menyediakan sebanyak 5 game sukaneka bersama jurulatih. 

Mana yang kaki karaoke boleh cuba berkaraoke disini. Bagi yang lebih suka aktiviti air pulak boleh buat aktiviti berkayak atau memancing, korang cuma perlu bawa joran sendiri je.

Selain tu, kat sini ada pelbagai jenis haiwan seperti ayam, arnab, burung, kambing dan kuda. Korang pun boleh bagi makan kat haiwan-haiwan yang ada kat Agrofarmstay tu. Bagi yang bawa kanak-kanak, pihak Agrofarmstay juga mengadakan pertandingan mewarna. Bolehlah tengok bakat yang mereka ada masa pertandingan ni nanti. Hamper untuk sukaneka dan peraduan mewarna pun turut disediakan. Akhir sekali Agrofarmstay akan menyediakan banner family day dengan nama family masing-masing. Wah! Banyak betul aktiviti kat sana.

Harga yang di tawarkan.

Harga asal tanpa promosi untuk 20 pax ialah RM3,780 (RM189 per pax).

Harga promosi pakej 2 hari 1 malam utk 20 pax ialah RM2,780. 

Tapi untuk promosi terhad Mega Bonanza ni, harga jatuh dalam RM139 per pax je. 

Bagi tambahan yang melebihi 20 pax, dewasa RM139 dan kanak-kanak RM99 sahaja. Maximum 78 pax. 

Murah sangat dah ni. Dijamin berbaloi. Untuk tempahan, sila layari laman web Agroframstay di:

Whatsapp / SMS / Call : 012-211 8246 / 016-209 8623 / 012-202 5647
Office: 06-232 2761

Saturday, 24 February 2018

KBBA9 Photophone Workshop Hosted By Sony Mobile Malaysia!

Writing is only one of the many components that makes up a blogger or social media influencer. People these days are easily influenced by things they see rather than things they read, hence having the ability to capture stunning photo's and content is a must.
But honestly though,  how many of us actually have the the financial capability to acquire high end camera's like DSLR's and Mirror-less cameras? Ranging anywhere from a couple of thousand up to tens of thousands respectively.

We all resort to what is easiest to carry and the most handy, as and when the need arises. Right?
What am I referring to?

The trusty Mobile Phone of course! With the technological advancements we have today, a Smartphone camera is more than sufficient to capture images on the go as well has having the ability to reach your audience quicker than having to transfer, sort, edit and upload these files to social media if you were using a conventional camera.

No doubt, having a DSLR or Mirrorless camera allows you the flexibility to shoot sharper and more vivid images. Is this truly necessary? Well, YES! If photography is your day job.

Obviously we all love to snap photo's of anything and everything that tickles or fancy. Often we harp on the fact that the images we capture aren't up to par with those taken from conventional camera's. That's exactly what I did too... 

On the 10th of February, Sony Mobile Malaysia was kind enough to have a photophone workshop for us (KBBA9) at MaTiC (Malaysian Tourism Centre. The workshop was held to help us better understand the fundamental basics of photgraphy. Understanding the use of things like Aperture, Shutter Speed, Metering and ISO.
By being able to understand and implement this knowledge when photographing, we were not only able to capture better images but it also reduced the amount of time spent selecting or recapturing an image. A lot is also saved because you dont need to do much editing to get the perfect picture.

The class was conducted by Mr. Rahman Roslan who is an award winning Documentary Photographer. Though being an expert in his field, his explanations were pretty simple and easy to grasp. Almost everything was explained using normal day to day terminology instead of jargons.

To be honest, this was my first time attending such a workshop.
Boy what an amazing experience it was. It's when you attend workshops like these that you realize that there are actually things that you have been doing all along, you just never knew why or how it affects you engagement.

The rule of thirds or the simple use of lines for instance can create a whole lot of difference. As explained by Mr. Rahman, the human eye is somehow trained to respond and focus to such things. It automatically attracts the human eye to your subject. A rather interesting fact if you ask me.

These are just some of the shot that I was able to get shortly after the first session of the workshop.
I myself find it hard to believe that these photos were actually taken from my mobile phone camera. Do you?

Friday, 26 January 2018

Kick Start The New Year With Hard Rock Cafe's Rock'N Bowls!

Hard Rock Cafe is a name that is synonym with the likes of Biker Blokes and the Elite when it comes to good old fashioned wine and dine.
This year, Hard Rock is ringing in the New Year with some fresh flavors and ingredients with the introduction of it's Rock'N Bowls.

Rock'N Bowls is a limited time offering which features 3 New Rice Bowls.
Starting from the 10th of January 2018 up until the 13th of March 2018, Hard Rock will be expanding it's menu to incorporate the new offerings. What this actually means is that they will be turning the ordinary rice bowls into extraordinary rock star level meals with a myriad of different flavors, spices and a fusion of both Western and Asian.

I was privileged to be amongst the first few to sample these wonderful works of culinary delight.

The 3 New Bowl's or as I call them "bundles of joy" are aimed to provide Hard Rock Cafe's patrons and guests with a special treat for their palate. 
These gastronomical Bowl's are:

Southwest Meatball Bowl:
Brown rice bowl cooked with a blend of Cajun and Southwest seasonings, topped with hot meatballs, honey sriracha glaze, chili lime crema, grated cotija cheese and crispy, seasoned tortilla straws.

BBQ Shrimp Noodle Bowl:
Rice noodle bowl served with grilled shrimp in an Asian BBQ sauce mixed with shredded napa cabbage, sesame soy glaze, sliced green onions, white sesame seeds, freshly squeezed lime juice and fried won tons.

Chili Lime Chicken Bowl:
Brown rice bowl topped with grilled chili pepper lime chicken, Cajun seasoning, diced avocado, black beans, roasted corn, grated cotija cheese, chili lime crema, chopped cilantro and nacho seasoned tortilla straws.

The fusion of flavors was most definitely something different, the mix of peppers and lime was really tantalizing to say the least.
Of course this was the highlight of the event, nonetheless as is accustom to Hard Rock style hospitality  we were also treated to some good old favorites like the Classic Nachos and The Jumbo Combo.
By the end of all that, i could barely walk. LOL!

Owwww.... and lets not forget everyone's favourite!!!! Desert....

What better way to help wash down all those calories than some healthy, wholesome mocktail juices right? Im a huge fan of mango's so obviously mine was the Mango Berry Cooler. hehehe.

Later that  night while enjoying the live band, I decided to have a look at their cocktail selection. Since I haven't had a "drink" in many years, I just decided to reminisce a little in the past and enjoy one or two. 

Hard Rock Cafe also has quite a few limited time offer cocktails up for grabs in case you didn't already know (I sure didn't - obviously)...

So come on over to Hard Rock Cafe Kuala Lumpur and enjoy these limited time only offers before the 13th of March 2018.

Rock'N Bowl will ROCK YOUR WORLD !!!! I assure you that you will not be disappointed.

Rock on over to the nearest Hard Rock Cafe or find out more at Hard Rock Cafe's Website .

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