Friday, July 18, 2014

Occupy Beach Street Weekly Highlights - 20th July 2014

Are you missing out on all the FUN? Come and join us at Occupy Beach Street this Sunday!

Exciting activities are waiting for you to explore! More Information on

Anyone of you going? I am !!!

Saturday, July 12, 2014

Penang to ban foreign cooks in hawker stalls

The Penang government will implement a ban on foreign cooks in hawker stalls to protect their food heritage.
Chief Minister Lim Guan Eng said that hawker licences were only given to the locals but the local council discovered that a few hawkers had employed foreign cooks. 

He said the local council was currently gathering feedback from the public on the matter and that the ban could be implemented as soon as early next year. 

"We are considering to revoke their hawker licences if they are found to hire foreigners as their main cooks but we need to get public feedback before we proceed with the implementation," he told reporters Saturday.
According to research conducted by the Penang Island Municipal Council (MPPP), 119 foreigners were working as cooks in 68 hawker centres in Penang Island. 

Lim said Penang was famous for its hawker food and the food must retain a local taste instead of a foreign taste.

"It defeats the purpose of approving the hawker licence only for the locals if the hawkers employed foreigners as their main cooks," he said. 

He also reminded the hawkers to only employ foreigners as their kitchen helper, waiters or waitresses.
"We will take into consideration the public's needs before proceeding with the implementation," he said. 

Over 68 hawker centres were screened during the research, with the majority of the hawker stalls in Bayan Baru, Relau, Jelutong and Tanjung Tokong operated by foreigners. - Bernama

Ok, this move I 100% agree. I do not want our local hawker food to lose it's style and taste due to foreigner cooks! Support support support!

Friday, July 11, 2014

It's official, Arsenal signed Sanchez !!!

No words can describe how happy I am with this news. I truly believe the club is moving forward for better achievements...just love it! GO GO GUNNERS !!!

Arsenal and PUMA unveil three new kits

Arsenal and its new kit partner PUMA have unveiled the Gunners' new kits in style, with Mikel Arteta, Mathieu Flamini and Santi Cazorla showcasing the home, away and cup kits in the sport giant's Carnaby Street shop window.

Arsenal supporters waiting to buy the shirt outside PUMA's flagship store in London were stunned to see the kit being revealed in person by the FA Cup winners, as a curtain dropped to reveal a huge Arsenal façade.

The trilogy of kits was then showcased in a unique 20m water projection on the River Thames in front of the EDF Energy London Eye, transforming it into the iconic Clock End clock. Fans saw Arsenal manager Arsène Wenger explain the individual 'Future, Forever, Victorious' inspirations behind the kit designs, which are the basis of the 'Stronger Together' partnership message.

Each of the three kits has a unique design, inspired by the values identified by PUMA as being the foundation of Arsenal Football Club, and which form the basis of the 'Future, Forever, Victorious' story.

The home kit stays true to the traditional red-and-white Arsenal colours that first appeared in 1933. Representing 'Forever', inspired by the strong and loyal fanbase Arsenal has built over the years, the round-neck shirt has a red body and white sleeves and is paired with white shorts and red-and-white hooped socks.

'Victorious' is the theme of the away shirt, designed in the iconic yellow and navy blue colours worn by Arsenal during some of the most famous Gunners' away victories away, including the 1971 and 1979 FA Cup final wins, and the title-winning victory at Anfield in 1989. The V-neck shirt features a yellow body with blue sleeves, blue shorts and blue-and-yellow hooped socks.

The blue and lime green 'Future' cup kit will be worn by Arsenal away from home in cup competitions, including the Champions League and FA Cup. It symbolises the desire for innovation and progression that has driven the club through its history, and features a button-down collared shirt with blue and sky blue striped panels across the body. The kit also features blue shorts and two-tone blue hooped socks.

All kits have been manufactured around PUMA's pioneering ACTV Power Plus, fusing the best of sports science behind engineered bodywear compression garments and kinesiology performance taping to enhance athletic performance.

The team will wear the away 'Victorious' kit in their forthcoming pre-season games at Boreham Wood and in New York before appearing in the 'Forever' home kit for the first time at the Emirates Cup on the weekend of August 2 and 3.

Nice and stylish jersery. With new kit deal and newly recruit Sanchez on board, let's hope for a greater heights for Arsenal starting with the new looming new season. Go go GUNNERS !!!

Bank Negara raises OPR by 25 basis points

Bank Negara Malaysia (BNM) raised the overnight policy rate (OPR) by 25 basis points to 3.25% on Thursday, the first time since May 2011 with economists expecting the rate hike to address the potential rise in financial imbalances. 

Alliance Bank Malaysia chief economist, Manokaran Mottain said the hike in the OPR was a "pre-emptive measure to prevent further disproportionate risk taking as well as reducing asset price misalignments".

"While the central bank in previous instances had preferred to make use of macro prudential tools in reducing asset price bubbles risks, the rate hike will likely deliver greater traction in averting any excessive leveraging activities," he said.

BNM said the decision was made at its monetary policy committee (MPC) meeting as the latest economic indicators pointed to continued strength in exports and private sector activity in Malaysia. It also expected Malaysia's overall economic growth momentum to be sustained.

"The floor and ceiling rates of the corridor for the OPR are correspondingly raised to 3.00% and 3.50% respectively," it said. "At the new level of the OPR, the stance of monetary policy remains supportive of the economy."

BNM said going forward, the overall growth momentum was expected to be sustained while inflation has been relatively stable.

"Exports will continue to benefit from the recovery in the advanced economies and from regional demand. Investment activity is projected to remain robust, led by the private sector."

"Private consumption will be supported by stable income growth and favourable labour market conditions. The prospects are therefore for the Malaysian economy to remain firmly on a steady growth path," it said.

BNM said inflation has been relatively stable as the effects of the price adjustments for utilities and energy continue to moderate. Demand driven inflation remains contained, it added. 

"Looking ahead, inflation is, however, expected to remain above its long-run average due to the higher domestic cost factors. 

BNM added amid the firm growth prospects and with inflation remaining above its long-run average, the monetary policy committee decided to adjust the degree of monetary accommodation. 

This normalisation of monetary conditions also aims to mitigate the risk of broader economic and financial imbalances that could undermine the growth prospects of the Malaysian economy, said the central bank. 

Alliance Bank's Manokaran said the MPC's decision to raise the OPR by 25bps was within expectation as well as market consensus.

He pointed out that since the previous MPC meeting in May, financial markets had been influenced by this expectation.

The ringgit rallied to RM3.172 against the US dollar on Wednesday, up 2.06% gain. At the close on Thursday, the ringgit was trading at RM3.182.

"In the meantime, the rise in OPR will likely improve Malaysia's attractiveness amongst foreign investors, leading to stronger capital inflows, lower bond yields and an appreciating ringgit.

"Looking ahead, we do not see the recently announced OPR hike to be the start of a monetary tightening process. At the new rate, the OPR remains accommodative of growth. In this regard, we expect the OPR to remain unchanged at 3.25% for the rest of 2014," he said. - By The Star

With current situation, increase interest rate, WTF !!??!! New couples and newly graduates really facing tough time going to own a house going forward...

Tuesday, July 8, 2014

World Cup 2014 SemiFinal #1 : Brazil vs Germany

Wow ! Final 4 matches of the FIFA World Cup 2014 in Brazil. 2 more semi finals, followed by the 3rd placing match and finally the one to decide who will be crown the new FIFA world cup winner 2014! 

I'm really having goosebumps! All remaining 4 matches will be during the wee hours of Malaysia time at 4am...I really wish I can wake up and watch all the 4 remaining matches, but not sure how my weak body can cope...

Anyway, first semi final match is tonight, with host Brazil vs Germany, the team so similar to Spain 4 years ago. Brazil as always, needed not much introduction anymore as they all well famous with they style, skills and stars. The only disadvantages are their star man Neymar has been ruled out of the tournament while captain Thiago Silva will be suspended. Well, never under-estimate Brazil, never count out the host and never say never! Germany on the other hand, is the hot favourite heading into this match tonight. Even local radio station this morning was discussing this match and all the callers dialling in were saying Germany will win hands down. For me, I dare not predict who will win, or I shall say it's so hard for me to say...may the best team win with no bias refereeing and no ugly tackling!

Monday, July 7, 2014

10 Tips to look out for and pay attention when attending JOB INTERVIEW

Hmm, this might not be using to some of you, but I do see the value in it while reading it. It served as a reminder or checklist for any individual to take note while attending an job interview answering questions related to how you handle situations or problem faced. Nice one and no harm reading!

Penang Bon Odori Festival 2014

Date: 19 July 2014
Time: 6pm- 11pm
Venue: Esplanade
*Fireworks display at 10pm

Penang’s most anticipated Japanese cultural  festival is back  this year with exciting games, mouth watering Japanese food, exotic performances and more.
The annual Bon Odori Festival will be happening on the 19 July 2014, from 6pm – 11pm. As usual, the fireworks will start at 10pm sharp.
There will be over 80 stalls selling authentic Japanese food, handicrafts and games. Visitors can also try out Japanese traditional costumes and take photos with Cosplayers.
Two groups, specially imported from Japan will be performing during the night. The first group is a Japanese Folk dance and Dagaya with special taiko drums
There will also be a Miss Yukata Competition this year. The champion will be rewarded with RM1,500. The second prize winner will recieve RM1,000 while the third-placed contestant will receive RM500.
For more information please call 04-650 5136 or  012-4337063.

Make sure if you are planning to enjoy this show, be there early or be there using motorcycle, else you will be in deep frustrated with the traffic there. Enjoy the fireworks!

Friday, July 4, 2014

World Cup 2014 1st Quarter Finals - France vs Germany

This is absolutely exciting and interesting match to the first quarter final match of the FIFA 2014 World Cup in Brazil! How many of you are watching tonight? I'm quite tired as of this moment actually, and tomorrow morning I still have my regular Saturday hike, but I will be sure going out with friends at the mamak stall tonight watching this nice game, since I'm not really needed at home...haha! 

May the best team wins...

Sakae Sushi RM1 Promotion 2014

Sakae Sushi is offering RM1 Sushi Treat Voucher giveaway to celebrate 100,000 FB fans during the month of July 2014.

Promotion period: 3 - 8 July 2014
Venue: All Sakae Sushi restaurant in Malaysia.

Print the voucher from the following link:

Terms and condition:

  1. Voucher valid from 3 to 8 July 2014.
  2. Printed voucher must be produced before ordering.
  3. Valid for dine in with minimum spend of RM30 in a single receipt.
  4. Limited to one(1) odder per voucher per receipt and no spliting bills or tables allowed.
  5. Offer is valid while stock last.
  6. Not valid with any other vouchers, discounts or promotions unless stated.
  7. All prices are subject to applicable service and government tax.
If you are a fan, don't miss this out! My team's birthday lunch is actually supposed to be here, before we changed the venue...haha.

Thursday, July 3, 2014

Occupy Beach Street Weekly Highlights - 06th July 2014...DON'T MISS IT!

Weekly Highlights - 06th July 2014

Are you missing out on all the FUN? Come and join us at Occupy Beach Street this Sunday!

Exciting activities are waiting for you to explore! More Information on

Do come out early Sunday and join, this is very fun and exciting! Total recommendation!

Tuesday, July 1, 2014

Jennifer Lopez to perform in 2014 Formula 1 Singapore Grand Prix in September

Latina superstar Jennifer Lopez is joining the amazing line-up of international stars who will be performing over the 2014 Formula 1 Singapore Airlines Singapore Grand Prix race weekend (Sept 19-21) at the Marina Bay Street Circuit.
Lopez, who just released her eight studio album A.K.A, last performed in Singapore in 2012 at Gardens by the Bay.

The 44-year-old singer proves that a little heartbreak – she separated from Casper Smart, her boyfriend of almost three years recently – is not going to stop her from shaking her derriere around the world.
La Lopez was seen jiggling what her momma gave her at the Fifa World Cup 2014 opening ceremony in Brazil last month, performing the official song We Are One with Pitbull and Brazilian singer Claudia Leitte.

Also scheduled to perform at the September event in Singapore are Robbie Williams, Mayday, John Legend, Pet Shop Boys and Ziggy Marley. More artistes will be unveiled soon.

I wonder what about Malaysia GP? Who is performing? Who is pulling the strings? Or am I just dreaming?

Mom's Bake newly delicious product - Fudge Chocolate Brownie!!!

Hmm, make no mistake, I must intro this finger licking yummy food to each and everyone, all readers out there. Mom's Bake latest offering captures my heart completely! For the very simple reason, I love the wet and sticky brownie and I love chocolates! The sweetness, the aroma and the stickiness just suits me perfectly the best! I LOVE IT !!!

Fudge Chocolate Brownie .. Intro Price: RM14. Usual Price: RM16. Order Now !!!

For the introduction of this latest yummy product, Mom's Bake is doing promotion - RM14 instead of RM16. Don't miss out this great opportunity, be fast and grab the offer. Please ping me if interested, I can help to place order and provide more information of the delivery (only in Penang). After all, I guarantee you that your RM14 will be value for money and money well spend for such a nice dessert!

Facebook scores record 1 billion interactions for World Cup ....LIKE LIKE LIKE!

SAO PAULO: With 1 billion posts, likes and comments in just the first half of the World Cup, the soccer tournament is already the most talked-about event in Facebook Inc’s decade-long history, data obtained by Reuters showed.

The soccer conversation measured between June 12 and June 29 involved 220 million people and 1 billion interactions, the Facebook data showed.

And since the ball will be rolling for another two weeks, the tournament is set to break new records as the biggest social media event to date.

“People are having conversations on Facebook about what they watch in a really unprecedented scale,” Nick Grudin, the company’s director of partnerships, told Reuters.

“In addition to sharing and connecting with friends, people are engaging in real time with the media and the public voices they care about most.”

Facebook is the latest social media company to capitalize on TV-related traffic around big events like the World Cup, a trend started years ago by the microblog website Twitter Inc.

People use Facebook to comment about things they watch live, an interaction that could turn into a source of ad revenue for the company.

Facebook’s record numbers were possible because of widespread mobile penetration. Seven out of 10 users globally connect to the network from mobile devices, which represent roughly 60 percent of the company’s ad revenue.

There is also soccer’s global appeal. The first week of the World Cup alone saw 459 million interactions on Facebook, more than this year’s Super Bowl, the Sochi Winter Olympic Games and the Academy Awards combined.

The 1 billion mark was reached after traffic accelerated as the World Cup moved into the knockout round. On Saturday, more than 31 million people put up 75 million posts, likes and comments about Brazil’s nail-biting victory over Chile, which propelled the home team to the quarter-finals.

“This Cup has been a catalyzing cultural moment for people around the world,” Grudin said, “and we see it reflected on Facebook.”--REUTERS

I for once never doubt the power of Facebook, it's so widely use and talk about topics....well done Facebook and well done World Cup 2014!

Monday, June 30, 2014

GALAXY Life Treats YOU FREE Chatime of your choice!

GALAXY fans! Who loves CHATIME?! GALAXY Life's got GOOD news for you! How about a.... FREE Chatime redemption via GALAXY Life?! Oh! If you flash out your GALAXY S5, you get TWO free Chatime! 
Hurry on down to any** Chatime near you from 8.00pm onwards!

Date: 30th June 2014
Time: 8:00pm - 10:00pm

Choice of drinks (REGULAR) worth RM5.90:
1. Pearl Milk Tea
2. Grass Jelly Roasted Milk Tea
3. Honeydew Milk Tea
4. Hazelnut Chocolate
5. Passion Fruit QQ
6. Wintermelon Grass Jelly

Simply follow these steps to get your hands on the FREE Chatime!:
1. Download GALAXY Life application on Google Play Store.
2. Launch the GALAXY Life application and sign in with your Samsung Username and Password.
3. Select the FREE Chatime deal on GALAXY Life’s page
4. GALAXY Life users will need to press on the "REDEEM IT” to get your e-Voucher.
5. Store personnel will record your redemption code by pressing “Shop Staff Swipe” to record your order
6. ENJOY your refreshing Chatime! =)

*Terms & conditions apply
**All Chatime outlets except: Kenanga Wholesale City, Mid Valley, Taylors Lakeside, Masjid Jamek, Genting Highland, KLIA2, Queensbay Mall.

Terms & Conditions
1. Offer valid only for Samsung GALAXY Life and Samsung GALAXY S5 users, first come first serve basis and while allocated stocks last. Any changes of the redemption will be subject to the availability of the drinks at the time of the redemption.
2. Samsung GALAXY S5 users may redeem one (1) e-voucher for two (2) Regular Chatime.
3. Samsung GALAXY Life user may redeem one (1) e-voucher for one (1) Regular Chatime.
4. Valid at selected Chatime outlets on 30th June, 2014 from 8pm – 10pm only.
5. This e-voucher is valid for the following:
a) Regular Chatime worth RM5.90
b) Flavors: 

  • Pearl Milk Tea
  • Grass Jelly Roasted Milk Tea
  • Honeydew Milk Tea
  • Hazelnut Chocolate 
  • Passion Fruit QQ
  • Wintermelon Grass Jelly
6. E-voucher is not redeemable for cash, not exchangeable or transferable, and cannot be used in conjunction with other promotional offers. 
7. A valid privilege e-voucher within the 60-minutes countdown and “Shop Staff Swipe” must be presented upon redemption and verification. 
8. Not applicable to any redemption prior or after the redemption time. 
9. Samsung Malaysia Electronics (SME) Sdn Bhd reserves the right to amend the terms and conditions at its sole discretion without giving any prior notice. 
10. Samsung Malaysia Electronics (SME) Sdn. Bhd. shall not be liable for any loss or damage whatsoever which is suffered (including but not limited to indirect or consequential loss) for personal injury which is suffered or sustained, as a result of accepting or using any of the e-vouchers. 
11. By redeeming the e-voucher, GALAXY LIFE user agrees to release and hold the Samsung Malaysia Electronics (SME) Sdn bhd and its employees, officers, directors, shareholders, agents, representatives, parent companies affiliates, subsidiaries, licensees, advertising, promotion, and fulfilment agencies, and legal advisors, harmless from any and all losses, damages, rights, claims and actions of any kind in connection with the e-voucher redemption or resulting from acceptance, possession, use or misuse of the ticket, or from any gift-related activity, including without limitation, personal injury, death, and property damage, and claims based on publicity rights, defamation, or invasion of privacy.
12. Other terms & conditions may apply.

Visit the Samsung Mobile Malaysia Facebook page for more details.

For those of you who are great fans of ChaTime and Samsung owner, now it's the time!!!

Thursday, June 26, 2014

Arsenal Club announces 11 player departures ahead of Season 2014/15

Arsenal can confirm that 11 players will be leaving the club when their contracts officially expire on June 30.

Nicklas Bendtner and Ju Young Park come to the end of their contracts, while Kim Kallstrom and Emiliano Viviano’s loan spells are set to conclude.

As already communicated, Bacary Sagna, Lukasz Fabianski and Zak Ansah have completed permanent moves to Manchester City, Swansea City and Charlton Athletic respectively.

Meanwhile, academy players Chuks Aneke, Daniel Boateng, Zach Fagan and Leander Siemann also depart having reached the end of their current agreements.

Everyone at Arsenal would like to take this opportunity to thank all of these players for their contribution to the club, and to wish them well for the future.

I personally thank them for their services to Arsenal and wish them well for their future career elsewhere. For Arsenal, let's hope they can build on top of their remaining players and have a nice successful new season ahead. I wish they can at least challenge for the Premier League title till the end if not winning it !!!

McDonald's Malaysia Coca-Cola Glass Challenge 2014

How To Participate

1. Visit the Coca-Cola Glass Challenge app.

2. Complete the registration information request online.

3. New game mechanism will be launched each week, You will need to follow the game instructions and play the game accordingly.

4. Participants with the highest score or fastest time (depending on the weekly games mechanism) within the stipulated time will be selected as the top 10 weekly winners.

Challenge Timeline:
Week 1 Challenge: 26th June to 2nd July 2014
Week 2 Challenge: 3rd to 9th July 2014
Week 3 Challenge: 10th to 16th July 2014
Week 4 Challenge: 17th to 23rd July 2014
Week 5 Challenge: 24th to 30th July 2014


Weekly Prizes x 5 weeks : 10 sets of McDonald's Malaysia Limited Edition Coca-Cola Collectors Set

Terms & Conditions apply.

Contest Period: 26th June 2014 - 30th July 2014

Visit the McDonald's Malaysia Facebook page for more details.

 This is a nice challenge, but let me warn you...better work hard, because there are many good gamers out there! GOOD LUCK!!!

McDonald's Limited Edition of Coca-Cola glasses Collection 2014

Coca-Cola Glasses are back at McDonald’s! 
Now with 6 new classy patterns.

Available with every Large Coca-Cola Glass Meal from 26 June, 11am onwards. New patterns available every Thursday. Start with the Ripple Glass tomorrow. Hurry! While stocks last!

Promotion Period: 26 June - 30 July 2014
It's across all McDonald's restaurants in Malaysia....

Coca Cola glass collection period schedule and timeline:

  • Ripple: 26 June - 2 July 2014
  • Diamond: 3 July - 9 July 2014
  • Linear: 10July - 16 July 2014
  • Steel: 17 July - 23 July 2014
  • Mosaic: 24 July - 30 July 2014
Specific terms applies such as:
  1. Once Coca-Cola glass with every Large Coca-Cola glass meal.
  2. Promotion only valid between 11am - 6pm.
  3. Promotion valid while stock last.
Make sure you value your collection after you pay and collect it, not just for the sake of collecting!

High 5 Bread: Guess FIFA World Cup 2014 The Champion, Runners Up and 3rd Place Winner Contest

How To Participate

1. Purchase RM5 of High 5 Products from 7-Eleven in order to participate in the contest.

2. Snap or scan a copy of the 7-Eleven official receipt as proof of purchase.

3. Contestant must submit the above as stated via Facebook Message. In addition, contestants are required to guess The Champion, Runner Up, and 3rd Place Winner accordingly for the World Cup 2014.

4. 3 lucky winners will be selected from the pool of correct entries.


3 x Backpack

Terms & Conditions apply.

Contest Period: 23rd June 2014 - 8th July 2014 (12:00pm)

Visit the High 5 Bread Facebook page for more details.

Who says eat more bread is not good? It's ABSOLUTELY GOOD and rewarding !!!

Wednesday, June 25, 2014

Boost Juice Bars: Buy 1 Get 1 for 50% off 6 more days !!!

Celebrate your day with Boost Happy Hour at Boost Juice Bars Encorp Strand Mall!

Rock up to the store with your family and friends from 23rd - 30th June 2014 to enjoy this deal!

6:00pm - 8:00pm (Weekdays only)

* Original low fat smoothies or crushes only.
* Not valid with any other offers.
* No stamps & VIBE points will be rewarded.

Visit the Boost Juice Bars Malaysia Facebook page for more details.

Isn't this sweet? I'm sure many of you will love it, so what are you waiting for???

Tuesday, June 24, 2014

The STAR: Win With Words

How To Participate

1. Cut and collect original letters printed daily in The Star.
* Please use ONLY ORIGINAL LETTERS as well as ORIGINAL ENTRY FORMS printed in The Star. Photocopies of any kind will be disqualified.

2. Complete English words by sticking the letters on to original Entry Forms for each series.
The first letter is provided & distinct for each series. Just complete 3 different words by sticking the remaining letters needed in the boxes provided. You MUST complete all 3 words in each entry form.

3. Write down the TOTAL POINTS.
Including the points from the 1st letter already provided.

4. Accumulate as many complete entry forms as possible to be the highest scorer.
  • You are recommended to stick each entry form on a separate paper/cardboard.
  • Count the TOTAL ENTRY FORMS and GRAND TOTAL POINTS from all your entry forms.
  • Write both TOTALS on a piece of paper and submit together in 1 envelope.
  • Send in via any method that will ensure delivery within the deadline of each series.

Send MORE entries in 1 envelope to get HIGHER points.
For Hong Leong Bank customers, get extra 100 when you open a deposit account with RM1,000.

Contest Weeks:
  1. Series 1: from 23/06 to 06/07/14. The closing date of submission is 06/07/14.
  2. Series 2: from 07/07 to 20/07/14. The closing date of submission is 20/07/14.
  3. Series 3: from 21/07 to 03/08/14. The closing date of submission is 03/08/14.
  4. Series 4: from 04/08 to 17/08/14. The closing date of submission is 17/08/14.

Contest Period: 23rd June 2014 - 17th August 2014

Visit the Win With Words - The Star website for more details.

If you are free and patience, please join, it's going to be fun!

Thursday, June 19, 2014

Occupy Beach Street 22 June 2014 Highlights

Come join the fun if you are not having any activity for this Sunday, this is a very nice event for everyone in the family! Don't miss it out!

More Information on

Wednesday, June 18, 2014

Arsenal to host Palace on opening day of BPL 2014/15

Arsenal’s first game of the 2014/15 Barclays Premier League season is at home to Crystal Palace on Saturday, August 16.
The Gunners then travel to Goodison Park to face Everton, before finishing the month with a trip to newly-promoted Leicester City.

Arsène Wenger’s side host Manchester City on September 13, before taking on Tottenham Hotspur in the first north London derby of the season two weeks later. Seven days after that they face Chelsea at Stamford Bridge.
The Boxing Day fixture will see Arsenal host Queens Park Rangers at Emirates Stadium, before travelling to Southampton on New Year’s Day.

The Gunners are away at Manchester City (January 17) and Tottenham (February 7) at the start of 2015, while April will see them host both Liverpool and Chelsea.

Arsenal finish their campaign with a trip to Old Trafford to take on Manchester United before hosting West Bromwich Albion on the final day.

Fingers crossed that Arsenal will be doing good additions to their current squad and performing well in the BPL, Champions League and FA Cup...go go GUNNERS !!!

5 Common HomeLoan Mistakes to Avoid

Taking a home loan? Here are 5 common home loan mistakes that people make especially when they’re applying for it for the very first time. Read on so you can avoid these pitfalls too.

Diving in when you’re not qualified

Banks, by nature, are generally eager to offer home loans to qualified homebuyers. The keyword, though, is “Qualified”. In Malaysia, a qualified home loan applicant generally refers to one with the appropriate Debt Service Ratio (DSR) and has no red marks on the Central Credit Reference Information System (CCRIS) report collated by Bank Negara. If you don’t fit the criteria, they’ll have no problem rejecting your application. So before you apply you’ll want to make sure you’ve done the necessary preparations and are not fighting a lost cause right from the start.
Tips on DSR and CCRIS
  • You can easily check your DSR by dividing your total monthly debt / loan commitment (including the loan you plan to take) against your monthly income. Say the bank has a DSR requirement of 50% and your monthly income is RM10,000; you’re considered a qualified candidate if your total loan / debt commitment is RM5,000 or less.
  • You can make sure your CCRIS is clean simply by servicing all your existing loans, debts and credit card bills on time.

Going straight for the lowest interest rate and nothing else

You’re going to borrow a big sum of money. Obviously, you’ll sign up with whoever that offers you the lowest interest rate. Right? To a certain extent, it is. Your priority should definitely lies with getting the lowest possible interest rate, but you shouldn’t forget about things like margin of financing, lock-in period, and simple stuffs like making sure a branch is within your vicinity.

Applying with just one bank and telling them so

In Malaysia, it has become a general practice for seasoned homebuyers to “shop around” for the best home loan deals before you commit (NOTE: to find out how, read our guest post with renowned Malaysian property guru Jeffery Lam).  Apply with only one bank, and what you’re really doing is giving yourselves no other options even if the terms offered to you are appallingly bad.
The even worse mistake you could be making is telling a loan officer that “they are the only bank you’re applying with”. It’s pretty much the same as giving them the licence to give you the worst possible rate, because they’d know you have no where else to turn to as the 2-or-3-week deadline you’re usually given by the housing developers runs down.

Not factoring in your home loan costs

Home loan involves fees, charges and even home insurances that may come as a surprise for the inexperienced homebuyers. Some banks absorb part of these charges, whilst others may not. Most homebuyers have limited funds (and hence the need to take a loan), so it is imperative that you understand these charges involved before you commit.
To understand the major fees and charges associated with buying a property through a home loan, please refer to our article “Are You Financially Ready to Buy a House in Malaysia” written for The Star Property.

Not reading the terms & conditions

At iMoney, we’ve always emphasised on the need to read all the fine prints for anything that involves money. This goes for your home loan agreement as well. If you don’t have the capacity to do so, make sure you get the loan officer to point out all the things that matter (such as loan amount, interest rate, instalment amount, loan period, margin of finance, lock-in period, early settlement penalty and fees & charges).
The general rule: if it doesn’t appear in your agreement, it doesn’t take effect. Period. So if your home loan shows a lock-in period of 3 years whilst your officer is telling you it’s 1 year, the former wins. All the time.

Good sharing from Very useful tips and guidance, worth a read...