How to Buy A car?

안녕하세요!

How are you doing out there? It's second week of August now, I can't believe time passes that fast! If you're following me on instagram @janejane_fong, you might have known that I bought myself a new car recently. Getting my own car was my biggest dream ever, especially when I desperately need to go somewhere but I missed a bus or the public transport system at that particular place sucks.  Yet, when I finally can afford to buy a car, a few big question marks popping in my mind: what is the procedure of purchasing a car?  How to deal with the bank and what documents to prepare?

I was totally clueless until I went through everything.  So perhaps these tips might help anyone of you who are planning to buy car but same clueless like me. Lol.

Step 1: Choose a car

There are so many aspects to look through when comes to decide which car you're going to buy.  Despite of the physical appearance (I believe this is what most girls taking into consideration at first place), safety, affordability and maintenance fees are important too.  It you're unsure or not understand the features of your dream car, you may visit the car showroom to consult the experts there and test drive the car.  Reselling price is another aspect to look into if you're planning to change your car shortly after few years.

I had chosen Myvi SE1.5 because it is small in size so definitely suitable to driving newbie like me.  Even though the quality might not be as good as other imported cars, the price is affordable, thus it won't be too burdening for my current salary.  

Step 2: Dealing with the bank

Once you have decided which car you gonna buy, next step is dealing with the bank.  At this stage, you need to decide the amount of money you need to borrow from the bank and for how many years you gonna pay back.  You may decide after comparing the interest rates from different banks.  You needs the following documents for application:

• Photocopy of your identity card and driving license 
• Pay slips from the latest 3 months
• Offer letter from your current employer
• Pricing details of your car (your car dealer should have prepared this for you)

For example, the price of Myvi SE1.5 is RM56400, the maximum amount I can borrow from bank is RM 50000 (approximately 90% of the total price).  I had chosen to pay back in 5 years, so the interest rate was 3% and monthly installment is RM 959.  For your information, the longer the pay back period, the higher the interest rate. So decide wisely based on your affordability!

Step 3: Approval from bank

Usually it takes around 5 working days to get the approval for your application (of course it might vary with different banks).  Once the bank had approved your application, you need to go to the bank again to sign some agreements (not 'some', actually freaking a lot).  At this point, you need to know the paying method for every months as well as the due date definitely.  You may choose to pay via cheque, cash deposit, bank transfer and etc depends on which one is easier for you.

P/s: It will be easier to take half day off to settle all those stuffs.

Step 4: Get the car

After signing all the documents, your car dealer will be notified by the bank. After that, all you need to do is pay the rest amount of money and let the car dealer to settle all those troublesome stuffs for you, such as car insurance and road tax.  Within 1 or 2 days, your dream car suppose to reach your doorstep! Check your car and ask your car dealer if there's anything unsure. After all these, you may live happily with your car and don't forget to pay debt monthly, haha!

Ta-daa! My pretty car :D

Lastly, 

Important message: Drive safe and be an ethical driver!


Till then, see u next time!

胡思亂想

不知不覺的踏入了七月，感覺還真不踏實。

自從開始工作以後，生活總離不開：上班，下班，吃飯，睡覺還有面對那沒完沒了assignments。

忘了享受生活的感覺，有點小迷茫，這是我要的生活嗎？

很想不顧一切，獨自到一個沒有人認識我的國家，

重新認識自己。

[Hishop Review] RA8 Refreshing Skin Cleanser, exclusively by Hishop

Hello lovelies, I bet this is the longest hiatus I had been through. Wondering if there's still anyone visiting the dusty, lonely blog? Not to say I'm so busy until couldn't squeeze a few minutes to update here, just I found that I'm lacking of passion in doing what I used to love.  Hey, I hope this is not an early symptom of depression :p

Due to sleeping at late hours or probably sedentary lifestyle, I realize my skin is entering a pre-mature ageing phase where I just celebrated my 23rd birthday but my skin looks much older than how it suppose to look like.  Wrinkles, dull skin complexion and uneven skin tone are my forever skin enemies.  Thank you Hishop Malaysia again for sending RA8 Refreshing Skin Cleanser, an award winning product which claims to be able to enhance skin tone, texture and overall appearance of skin.

Ingredients: EDTA, Glycerin, PEG-120 Methyl Glucose Dioleate, Propylene Glycol, Sodium Coco-Glucoside Tartrate, Cocamidopropyl Betaine, Polyquathernium-44, Polysorbate 20, Citrus Limon (lemon) Fruit Extract, Fragrance, Benzyl Alcohol, Methylchloroisothiazolinone, Methylisothiazolinone, Aqua, Aquamarine Extract

The main highlights of this product are the aquamarine extract and glutathione. The marine bio-actives were fish protein origin with high level of branch chain and essential amino acids. You get the antioxidants, micronutrient and organic mineral complexes naturally for establishing healthy skin environment.  Whereas glutathione is a natural anti-oxidizing agent, highly effective at protecting your skin from toxic substances, stress and ultraviolet radiation while visibly curbing the ageing of your skin.  These are the benefits that I have been looking for!

Direction of use: 

1. Pour a small amount of Refreshing Skin Cleanser on wet palm.

2. Work into a rich, creamy lather.

3. Apply on damp skin with gentle massage and rinse thoroughly.

Review:

Unlike most of the other cleansers, RA8 Refreshing Skin Cleanser is less soapy which I actually like it as it reduces the tightness of skin after washing face.  It smells good and refreshing, which can give you a good start in the morning. Since it is less soapy, a larger amount is needed to lather into creamy foam.  It is quite gentle to my skin and I could feel my skin more bouncy after using it for few times. The only thing I don't like is the packaging, where I think it can be more elegant than how it is now, LOL!

For more information, please log on to http://www.hishop.my/ra8

For further updates 
‘Like’ Hishop on Facebook: https://www.facebook.com/hishopmy
Follow Hishop on Twitter: http://www.twitter.com/hishop.my
Subscribe to HiShop for exclusive updates: http://www.hishop.my/subscribe

Thanks for reading, till then see you next time!





Disclaimer: Other than using this product, my skin conditions might be contributed by other skin care products as well.

變質

當愛情變成回憶，當感覺蒸發成空氣，當在意只剩下放棄；

變質的愛情像過期的罐頭，想丟掉卻又不捨。

當不再爭執的時候不代表妥協了，只是決定放棄了。

Getaway Treat Campaign by Seeties

We have Facebook, Twitter, Instagram, Weibo and etc for sharing everything in our life. Yet, we were lacking of a media which can precisely categorized what we shared to ease others to reach us. Seeties is what we need especially when we are desperately looking for some food recommendation and totally couldn't get any idea from the overloaded information from Facebook, Twitter or Instagram.  Through Seeties, not only we can read what other people sharing, we can share what we love too! The best part is, Seeties has different categories e.g. arts & crafts, beauty & fashion, food & drink, outdoor & attractions and etc where you can find what you would like to read easily. 

Now you may win a getaway treat too by joining Seeties! 

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