tag:blogger.com,1999:blog-29896562648274899972024-03-05T20:29:50.367+08:00Legal Cat-asthropheLegal stories. Legal business. Legal world. Legal everything.Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.comBlogger574125tag:blogger.com,1999:blog-2989656264827489997.post-17040311746328524372015-12-08T18:33:00.000+08:002015-12-08T18:33:17.581+08:00PUDGi - A new venture<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="border: 0px; box-sizing: border-box; color: #232629; font-family: Georgia, serif; line-height: 32px; margin-bottom: 32px; outline: 0px; padding: 0px; text-align: justify; vertical-align: baseline;">
<strong style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">THIS IS A MISSION STATEMENT</strong> :</div>
<div style="border: 0px; box-sizing: border-box; color: #232629; font-family: Georgia, serif; line-height: 32px; margin-bottom: 32px; outline: 0px; padding: 0px; vertical-align: baseline;">
</div>
<div style="text-align: justify;">
Nani Yunus and I have decided, after a long thought and she agreeing to it (although she said it was my decision - kids, this is how a marriage works), we are going to move to a place called Giching in 2016. Here's the Airbnb link for the place : <a href="https://www.airbnb.com/rooms/4458240" style="border: 0px; box-sizing: border-box; color: #8c68cb; font-family: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; vertical-align: baseline;" target="_blank">https://www.airbnb.com/rooms/4458240</a>.</div>
<div style="text-align: justify;">
It is in Sepang, just across the entrance to Bandar Baru Salak Tinggi (Jalan Haji Jumani to be exact), 5 minutes drive to Salak Tinggi ERL (the fare will be RM18 one-way now after staying at RM12.50 for a long time). It is 10 minutes to F1 Sepang International Circuit track, Mitsui Premium Outlet and both KLIAs. Seri Serenia, where the new Xiamen University Malaysia Campus is, is just 15 minutes drive from it. There'll be another premium outlet there, soon.</div>
<br />
<div style="border: 0px; box-sizing: border-box; color: #232629; font-family: Georgia, serif; line-height: 32px; margin-bottom: 32px; outline: 0px; padding: 0px; text-align: justify; vertical-align: baseline;">
The land is owned by my mom, the real property guru who bought the land in the 80s and can make a bundle if she sells it now. I am thankful for her as a mother and learned all my property skills from her (a book about her is in the planning stage). We never live in a kampung and this is as close we ever get to live in one.</div>
<div style="border: 0px; box-sizing: border-box; color: #232629; font-family: Georgia, serif; line-height: 32px; margin-bottom: 32px; outline: 0px; padding: 0px; text-align: justify; vertical-align: baseline;">
In 2011, we did it by selling our house in BBSA- Bukit Bandaraya Shah Alam at a price we didn't expect anyone would be willing to pay but surprisingly, someone did. We have to apologize because for all you know, we are the one who started the price range for the 20' x 70' double-storey terrace house in that area to cost upward of half-a-million RM.</div>
<div style="border: 0px; box-sizing: border-box; color: #232629; font-family: Georgia, serif; line-height: 32px; margin-bottom: 32px; outline: 0px; padding: 0px; text-align: justify; vertical-align: baseline;">
As we don't have kids, yet (insha Allah when we have rezeki), we could easily relocate and we choose Ara Damansara to be the place we might want to buy a house and we want to try it out first. So, we rent. I wrote a few article saying we should rent first before buying a place and I practiced what I preached. I am renting my current abode and extend it last year until near the end of 2016. Alas, the place is getting too crowded, there will be 7 malls in this area alone with all the condominiums to be completed soon and although LRT will be just 3 minutes drive, it is not a nice place to live anymore.</div>
<div style="border: 0px; box-sizing: border-box; color: #232629; font-family: Georgia, serif; line-height: 32px; margin-bottom: 32px; outline: 0px; padding: 0px; text-align: justify; vertical-align: baseline;">
I did write a few of my books in this house including PINJAM - sebuah novel Anuar Shah, PENTAS and the upcoming PERSONA (all with Fixi) with a few short stories and a few of my Ask the Lawyer books. Nani Yunus did make a good career for herself with Reapfield Property Shah Alam. We love it here in Ara Damansara and it is our first fully gated and guarded community with us, a Malay couple, being the minority (again, I did write articles about this a few times). We love the park behind our house with dogs roaming (wild and tame) and we even feed a few of the dogs, one we name Doggie (yes, we know) and one black poodle we still not sure to name him Dash or Bash. The stray cats Stranger and Stoking don't come here anymore and we lost our cats, Cookie and Muffin, here. We hope they are in a better place.</div>
<div style="border: 0px; box-sizing: border-box; color: #232629; font-family: Georgia, serif; line-height: 32px; margin-bottom: 32px; outline: 0px; padding: 0px; text-align: justify; vertical-align: baseline;">
So, after discussing with our cats, Pudgy, Kiddo and Jelly, we are moving very slowly to Giching. We will still use this current place as our transit home until our tenancy runs out in November 2016.</div>
<div style="border: 0px; box-sizing: border-box; color: #232629; font-family: Georgia, serif; line-height: 32px; margin-bottom: 32px; outline: 0px; padding: 0px; text-align: justify; vertical-align: baseline;">
Kg Giching might just be our retirement place. We are NOT retiring. We plan to never retire. I am very much involved with my legal firm Khairul, Suhaila & Hazlina and Nani Yunus with her 'Property Listings by Nani Yunus' project. We have tried the commute from it to our respective workplaces and we'll be using more public transport than ever. We've been testing ERL, LRT, Komuter, Uber Malaysia services, GrabTaxi and even busses to get around. We will drive if we need to. We will be buying properties in Transit Oriented Development soon as transit houses and maybe rent or sell them accordingly. We will still attend events and lepaking like we always do in Klang Valley.</div>
<div style="border: 0px; box-sizing: border-box; color: #232629; font-family: Georgia, serif; line-height: 32px; margin-bottom: 32px; outline: 0px; padding: 0px; text-align: justify; vertical-align: baseline;">
We are also jumping into the start-up bandwagon with PUDGi - Pusat Urbanisasi Desa Giching, a cafe cum event venue with writing residency planned in the future with involvement, I hope, from Malaysian Writers / Penulis Malaysia (a Facebook page group), Fixi, DuBook Press, Lejen Press or any of the indie publishers who like to support us or do a community-base event. We also aspire to make our home a homestay, an open-air wedding venue and a place for a few agriculture projects. We want to make it communal more than anything else.</div>
<div style="border: 0px; box-sizing: border-box; color: #232629; font-family: Georgia, serif; line-height: 32px; margin-bottom: 32px; outline: 0px; padding: 0px; text-align: justify; vertical-align: baseline;">
We welcome anyone to come talk to us to make it a more vibrant community-based project than just a place to live. We may want to give mostly what we get from it although we are not the ultimate owner. My mom will be very much involved with whatever we do with it. She's a scary woman who knows her way in the corporate and agriculture world. She was the 1st batch of Sekolah Tun Fatimah after all (and I think Sekolah Pertanian Malaysia, which became Universiti Pertanian Malaysia before its current name - Universiti Putra Malaysia). The stories she could tell and did.</div>
<div style="border: 0px; box-sizing: border-box; color: #232629; font-family: Georgia, serif; line-height: 32px; margin-bottom: 32px; outline: 0px; padding: 0px; vertical-align: baseline;">
</div>
<div style="text-align: justify;">
So, as 2016 beckons, we are dreading it very much on our new journey. Most of our friends would have known about this already. This is not easy for us and of course, with some rezeki, we are going to make it work. Or we will be 'balik bandar, tanam something' with our tails between our legs if we fail. We've tried and failed a few times with different projects because that's where the fun is.</div>
<div style="text-align: justify;">
Wish us luck and pray for us. We'll be updating about it and inviting all to come to PUDGi soon enough.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Follow us on <a href="https://www.facebook.com/PUDGi2015/?ref=bookmarks">Facebook</a>, <a href="https://twitter.com/PUDGi2015">Twitter</a> and <a href="https://www.instagram.com/pudgi2015/">Instagram</a> under the name of PUDGi2015.</div>
<div style="font-size: 18px; text-align: justify;">
<br /></div>
<div style="font-size: 18px; text-align: justify;">
<br /></div>
</div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com2Sepang, Selangor, Malaysia2.8045558463655871 101.733098030090332.8005908463655871 101.72805553009033 2.8085208463655871 101.73814053009033tag:blogger.com,1999:blog-2989656264827489997.post-66485650642888185692015-06-11T23:21:00.000+08:002015-06-11T23:21:40.222+08:00Rumah ibarat Harta Rampasan Perang<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhifRIJclfanhGpKl_k1nzzuW0gQslZbqIwBruyU1NLQY9L-wktPazC4Pln_WftkD1r8jWR3MbgFQfXnBu6Xf4vfql2I2l_-VOpoYX3QPd8hu1rczgKuhH9qMNjTPfLxIaSc87r8bt-Q2I/s1600/KLIBF+book+launch+26032010+%252813%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhifRIJclfanhGpKl_k1nzzuW0gQslZbqIwBruyU1NLQY9L-wktPazC4Pln_WftkD1r8jWR3MbgFQfXnBu6Xf4vfql2I2l_-VOpoYX3QPd8hu1rczgKuhH9qMNjTPfLxIaSc87r8bt-Q2I/s320/KLIBF+book+launch+26032010+%252813%2529.jpg" width="320" /></a></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Tahun 2014, iaitu tahun lepas adalah tahun berkenalan dengan beberapa rakan baru di dunia penerbitan buku. Antara yang menjadi kenalan baru adalah Amir Muhamad, yang aku jumpa semasa pelancaran buku kedua aku di Pesta Buku Antarabangsa Kuala Lumpur 2013. Masa tu Azizi Ali telah menjemput seorang VIP untuk melancarkan buku-buku keluaran syarikat penerbitannya, True Wealth Sdn Bhd. Azizi Ali memang telah lama aku kenali sejak 2008 secara peribadi dan bertahun-tahun sebelum itu melalui tulisannya.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Masa tu aku telah terlibat sama dengan pelancaran tersebut di Center Court PWTC di Pesta Buku KL itu kerana buku aku, 40 More Questions You Should Ask Your Lawyer Before Buying A Residential Property in Malaysia baru keluar sebulan dua sebelum tu. Buku kedua ini tidak diterbitkan sebagai buku Bahasa Malaysia fizikal tetapi hanya sebagai eBook. Tajuknya ialah 40 Lagi Soalan Yang Anda Patut Tanya Peguam Anda Sebelum Membeli Rumah Kediaman di Malaysia. Link untuk membelinya ialah : <a href="http://lawyerhartanah.com/">LawyerHartanah.com</a>. Mungkin satu hari ia akan dikeluarkan sebagai buku fizikal.</div>
<div style="text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEit_2B4U6VoBqb27r7RZtfDJDNsCQM2p1vZdQTc51oRga5iSV6gOpKo_v2vueMl1-I3GSKnBbY4XcFisCIR4R-V2pVB4PeUA4WBgeAN0A3Y32Ku7iNa7Dk-fniMW2ZepKdoSb6zRuFd-6w/s1600/tanyalahpeguam_9p5mm+copy.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="219" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEit_2B4U6VoBqb27r7RZtfDJDNsCQM2p1vZdQTc51oRga5iSV6gOpKo_v2vueMl1-I3GSKnBbY4XcFisCIR4R-V2pVB4PeUA4WBgeAN0A3Y32Ku7iNa7Dk-fniMW2ZepKdoSb6zRuFd-6w/s320/tanyalahpeguam_9p5mm+copy.jpg" width="320" /></a></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Beberapa bulan kemudian aku mula menulis satu manuskrip untuk Fixi, syarikat penerbitan yang diwujudkan oleh Amir Muhammad untuk menerbitkan cerita-cerita yang bukan cerita cinta di Malaysia. Ini adalah penerangan Amir jika ditemuramah tentang bagaimana ideanya untuk mewujudkan Fixi timbul. Aku sebenarnya merahsiakan manuskrip fiksyen aku daripada Azizi kerana segan untuk memberitahu yang aku menulis buku fiksyen. Ya lah, target market Fixi adalah muda mudi yang boleh dikatakan majoritinya adalah belasan tahun dan awal dua puluhan. Dengan Fixi aku dah terbit dua buku bawah nama Anuar Shah bertajuk Pinjam dan Pentas. Insyaallah aku akan tulis beberapa buku lagi dengan Fixi (dan mungkin tak berhenti pun selagi diorang nak terbitkan)</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Aku yang dah nak masuk empat puluh masa tu dan seorang peguam hartanah terasa macam dah patut lupa kan generasi muda. Tapi macam terpanggil pulan nak menulis untuk mereka.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Sejak masa itu aku berkenalan dengan lebih mendalam seorang individu bernama Mutalib Uthman atau Mut atau Luca yang terkenal di blog dan Twitter. Aku tak kenal dia masa dia femes di blog tetapi aku kenal dia bila dia dah dewasa ni.</div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLp6u62UpCeMG1mwqN4YVidkeWhfcHhpflhrkn3-Y5bqsJOuFdHWtbyIWetAUZY9v0xhMOfE2tH_rtgdjU_wdhgxeAYKWQWv9te5mWHtlaF3owT4zg-bFQnsuJtAqIetJelIIr92DnGCg/s1600/Ebook-1+%2528Lawyer+Hartanah%2529.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLp6u62UpCeMG1mwqN4YVidkeWhfcHhpflhrkn3-Y5bqsJOuFdHWtbyIWetAUZY9v0xhMOfE2tH_rtgdjU_wdhgxeAYKWQWv9te5mWHtlaF3owT4zg-bFQnsuJtAqIetJelIIr92DnGCg/s320/Ebook-1+%2528Lawyer+Hartanah%2529.png" width="261" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMHtw2RUgrnXuXgnsqiI_tdn7VPm6sZEI5RkQsfOVA0kHaF8MBpIBkd9pK1nO6VPyjf3Wu6hqoAXpVEQOtqg-qHdC6Fo2G9m026DwF2rpQKm6ec4Y-B6U5vXRUsnSG9ZYwCkAkh5vSYtc/s1600/Cover+Pinjam.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="234" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMHtw2RUgrnXuXgnsqiI_tdn7VPm6sZEI5RkQsfOVA0kHaF8MBpIBkd9pK1nO6VPyjf3Wu6hqoAXpVEQOtqg-qHdC6Fo2G9m026DwF2rpQKm6ec4Y-B6U5vXRUsnSG9ZYwCkAkh5vSYtc/s320/Cover+Pinjam.jpg" width="320" /></a></div>
<br />
<div style="text-align: justify;">
Jadi setiap kali berjumpa masa awal-awal, dia tanya, aku tak nak tulis buku hartanah untuk golongan muda ke?</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Aku terpanggil untuk menulis dan sekarang aku sedang menulis sebuah buku bertajuk 'Harta Rampasan Perang' untuk DuBook Press.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Ini adalah Bab Pertama buku itu yang menerangkan kenapa rumah adalah ibarat harta rampasan perang.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Mungkin final product akan berubah tetapi inilah outlinenya -</div>
<br />
<div class="MsoNormal">
<b><span lang="EN-US">1 - Definisi Harta Rampasan Perang<o:p></o:p></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Kata pujangga,
rumahku adalah adalah syurgaku.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Rumah adalah
tempat kita dilahirkan (untuk sesetengah orang), dibesarkan, diberi makan,
belajar berjalan, bermain dengan kawan-kawan, tempat kita pulang semula selepas
keluar belajar, selepas keluar mengembara, tempat kita berasmara dana, tempat
membela kucing atau anjing, tempat membuang najis, tempat kita jatuh, tempat
kita bangun dan secara mudah, rumah adalah tempat kita hidup dan mati.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Rumah adalah
lebih berharga kepada sesetengah orang berbanding dengan harta lain. Rumah
tidak mudah untuk dilepaskan apabila seseorang mula suka kepadanya. Rumah tidak
mudah untuk dipindahkan daripada satu orang kepada seorang yang lain.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Kalau kita
pindah rumah kita akan mengupah orang untuk mengangkat barang-barang yang telah
kita kumpul sepanjang hidup kita di rumah itu ke rumah yang baru. Begitu
berharga rumah dan isi rumah di zaman moden ini, kita akan membeli insurans
untuk rumah dan isi rumah.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Jika seseorang
tu adalah seorang pengumpul, tidak kira pengumpul lukisan mahal karya Da Vinci
atau Van Gogh atau Ibrahim Hussin, atau mengumpul komik edisi pertama Superman
atau Raja Rimba, dia akan pastikan sekuriti di rumahnya adalah first class atau
jika dia gemar mengumpul isteri dan mempunyai ramai anak-anak yang dianggapnya
perlu berharga, dia akan pastikan akan mempunyai rumah yang cukup untuk
memuaskan hati semua tanggungannya.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Untuk memahami
kenapa rumah ibarat harta rampasan perang, cuba lihat betapa sukarnya untuk
memiliki rumah. Cuba lihat barisan yang panjang setiap kali terdapat pelancaran
rumah baru bagaimana pembeli rumah sanggup beratur daripada pagi sehingga ke
malam untuk mendapatkan rumah yang boleh berharga daripada RM42,000 iaitu harga
rumah murah di Malaysia sehingga rumah berjuta-juta ringgit.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Rumah yang
dilabel di bawah skim rumah mampu milik atau lebih popular dikenali dengan nama
affordable housing dijual oleh syarikat-syarikat penuh milik kerajaan seperti
Syarikat Perumahan Negara Berhad, Perumahan 1 Malaysia (PR1MA), Rumah Wilayah
Persekutuan (Rumah WIP), syarikat berkaitan kerajaan seperti Sime Darby, SP
Setia, I&P dan PKNS dan juga dibina oleh syarikat-syarikat swasta seperti
Mah Sing, Matrix Concept dan Tropicana Berhad.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Ada yang
melakukan pembinaan rumah mampu milik ini dengan rela kerana ia adalah matlamat
syarikat itu dan ada yang melakukannya dengan tidak rela.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Rumah-rumah
mampu milik ini adalah hanya sebahagian daripada jenis-jenis rumah yang ada di
dunia ini. Ada juga rumah yang berharga lebih mahal daripada rumah mampu milik
(rumah mampu milik yang paling mahal adalah RM400,000 – ada yang meletakkannya
pada RM500,000).<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Rumah banglo
tersergam indah di atas bukit, rumah penthouse dua tingkat di tingkat yang
paling tinggi dalam sebuah kondominium, rumah agam yang mempunyai kawasan yang
sangat luas sehingga ia memerlukan beberapa orang untuk menjaganya dan
rumah-rumah teres yang dibina pada masa Lembah Klang masih baru. Rumah-rumah
yang disebut ini sudah tentunya berharga lebih daripada RM500,000 Malahan
mencapai angka berjuta-juta.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Hanya ada satu
perkara yang menghubung rumah-rumah ini, tidak kira rumah yang paling rumah
atau rumah yang paling mahal. Setiap rumah ini menjadi idaman setiap orang tidak
kira orang itu mampu untuk membelinya atau tidak.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Setiap pelabur
hartanah tidak pernah berhenti daripada membeli rumah walaupun dia telah
membeli rumah idamannya. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Lihat di setiap
barisan yang beratur di seluruh negara, betapa ramai yang beratur itu telah
mempunyai rumah yang lain.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Yang beratur
akan mendapatkan maklumat apabila ada pelancaran rumah baru dan akan cuba untuk
mendapatkan rumah itu dengan pelbagai cara termasuk menggunakan nama orang lain
yang layak mendapatnya, meminjam wang yang belum tentu mampu untuk dibayar
semula dan merasuah sesiapa saja yang boleh mendapatkan rumah itu.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Ada orang yang
menggunakan rumah sebagai alat untuk membuat lebih banyak lagi wang untuk
membeli rumah lain, ada yang sanggup mendapat rasuah dalam bentuk rumah, ada
yang menggubah wang haram yang banyak dengan membeli rumah dan macam-macam lagi
kegunaan rumah.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Rumah direbut,
dipusakai, dipindahmilik, dicagar, dipajak, disewa, dikaveat, dilien dan diberi
pampasan.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Di dalam sejarah
manusia, revolusi seperti yang berlaku berulang kali dalam sejarah dunia, sama
ada di Eropah, di Russia, di Jerman, di Amerika Syarikat, sejarah Nazi, semasa
Perang Dunia Pertama dan Kedua, sejarah warisan dunia seperti di Pulau Pinang
dan Melaka, rumah akan diserang, dibakar, dijadikan tempat persembunyian,
dijadikan markas, diletupkan, dibina semula, dicantikkan dan semua ini diulang
semula apabila negara itu jatuh ke tangan musuh.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Pelbagai cerita
di dalam dunia dapat didengar tentang bagaimana harta rampasan perang yang
menjadi milik satu pihak berpindah kepada pihak yang lagi satu apabila perang
tamat dan pemenang perang itu diumumkan.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Mungkin kita
tidak sedar tetapi Perang Dunia Kedua yang telah tamat 70 tahun yang lepas
telah menyebabkan beberapa Tanah Melayu, yang kita anggap sebagai milik mutlak
kita telah berpindah tangan kepada beberapa pihak lain. Walaupun Perang Dunia
Kedua melibatkan pihak luar antaranya Amerika Syarikat, British, Jepun dan
Jerman.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Ramai lupa
tentang negara-negara sampingan yang terlibat kerana cerita propaganda yang
banyak tersiar adalah samada perang antara Amerika Syarikat dengan Jerman;
Amerika Syarikat dengan Jepun; British dengan Jerman; dan British dengan Jepun;
atau gabungan antara dua menentang satu atau dua yang lain.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Apa yang
menyebabkan perang dunia yang sudah lama berlaku ini tetapi masih dapat dilihat
di dalam filem di seluruh dunia samada melalui filem-filem lama dan baru ini
segar dalam ingatan adalah asalnya Perang Dunia Kedua (dan Pertama) adalah
mengani tanah atau harta. Satu negara ingin memiliki tanah dan harta negara
lain. Itu adalah punca asal kedua-dua perang tetapi ia menjadi tidak penting
kerana apabila semakin banyak jumlah korban manusia, memulakan perang kerana
tanah menjadi tidak penting.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Untuk memberi
perspektif yang lebih mudah, mungkin kita boleh lihat bagaimana Singapura telah
berjaya mendapatkan Pulau Batu Putih atau nama Portugisnya, Pedra Branca, di pesisir
pantai Johor.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Untuk sebuah
negara seperti Singapura yang kecil, yang wujud sebagai sebuah pulau di hujung
negara kita, mereka cukup menghargai tanah yang mereka miliki termasuk Pulau
Batu Putih yang mereka telah menangi di Mahkamah Antarabangsa di The Hague,
Belanda. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Singapura
sentiasa mengawal Pulau Batu Putih itu pada setiap masa dengan bot pengawal
pantai pereka seperti pada bila-bila masa Malaysia akan melanggar penghakiman
yang telah dijatuhkan oleh Mahkamah Antarabangsa itu. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Untuk memberi
perspektif personal kepada pemilik-pemilik rumah, pernah kah anda lihat kes-kes
yang terpampang di dada akhbar tentang bagaimana dua jiran boleh bertelagah
kerana satu jiran membuat ubahsuai rumah sehingga ada bahagian yang terjulur ke
rumah jirannya.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Kes yang mungkin
boleh dijadikan contoh terbaik adalah kes yang berlaku kepada seorang ustazah
terkenal, yang kini adalah seorang senator, di mana dia telah disaman oleh
jirannya kerana merosakkan rumput dan tembok rumah jirannya semasa membina
binaan rumahnya sehingga memakan ruang kediaman jirannya. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Jirannya
mendakwa, pembinaan yang dilakukan di rumah ustazah itu telah menyebabkan
rumput mutiara dan tembok di rumahnya rosak. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Maka berperang
lah dua jiran tersebut.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Jiran ustazah
itu menuntut gantirugi di mahkamah dalam kes pada tahun 2002 ini tetapi
akhirnya pada tahun 2006, kes ini berjaya diselesaikan di luar mahkamah.
Alhamdulillah selesai.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Contoh-contoh di
atas di mana manusia berebut tanah atas dasar kenegaraan, ideologi dan
keempunyaan, jelas menunjukkan yang rumah dan tanah sering menjadi rebutan.<o:p></o:p></span></div>
<!--[if gte mso 9]><xml>
<o:DocumentProperties>
<o:Revision>0</o:Revision>
<o:TotalTime>0</o:TotalTime>
<o:Pages>1</o:Pages>
<o:Words>1170</o:Words>
<o:Characters>6674</o:Characters>
<o:Company>Khairul, Suhaila & Hazlina</o:Company>
<o:Lines>55</o:Lines>
<o:Paragraphs>15</o:Paragraphs>
<o:CharactersWithSpaces>7829</o:CharactersWithSpaces>
<o:Version>14.0</o:Version>
</o:DocumentProperties>
<o:OfficeDocumentSettings>
<o:AllowPNG/>
<o:PixelsPerInch>96</o:PixelsPerInch>
</o:OfficeDocumentSettings>
</xml><![endif]-->
<!--[if gte mso 9]><xml>
<w:WordDocument>
<w:View>Normal</w:View>
<w:Zoom>0</w:Zoom>
<w:TrackMoves/>
<w:TrackFormatting/>
<w:PunctuationKerning/>
<w:ValidateAgainstSchemas/>
<w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid>
<w:IgnoreMixedContent>false</w:IgnoreMixedContent>
<w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText>
<w:DoNotPromoteQF/>
<w:LidThemeOther>EN-MY</w:LidThemeOther>
<w:LidThemeAsian>JA</w:LidThemeAsian>
<w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript>
<w:Compatibility>
<w:BreakWrappedTables/>
<w:SnapToGridInCell/>
<w:WrapTextWithPunct/>
<w:UseAsianBreakRules/>
<w:DontGrowAutofit/>
<w:SplitPgBreakAndParaMark/>
<w:EnableOpenTypeKerning/>
<w:DontFlipMirrorIndents/>
<w:OverrideTableStyleHps/>
</w:Compatibility>
<m:mathPr>
<m:mathFont m:val="Cambria Math"/>
<m:brkBin m:val="before"/>
<m:brkBinSub m:val="--"/>
<m:smallFrac m:val="off"/>
<m:dispDef/>
<m:lMargin m:val="0"/>
<m:rMargin m:val="0"/>
<m:defJc m:val="centerGroup"/>
<m:wrapIndent m:val="1440"/>
<m:intLim m:val="subSup"/>
<m:naryLim m:val="undOvr"/>
</m:mathPr></w:WordDocument>
</xml><![endif]--><!--[if gte mso 9]><xml>
<w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
DefSemiHidden="true" DefQFormat="false" DefPriority="99"
LatentStyleCount="276">
<w:LsdException Locked="false" Priority="0" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Normal"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="heading 1"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 2"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 3"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 4"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 5"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 6"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 7"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 8"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 9"/>
<w:LsdException Locked="false" Priority="39" Name="toc 1"/>
<w:LsdException Locked="false" Priority="39" Name="toc 2"/>
<w:LsdException Locked="false" Priority="39" Name="toc 3"/>
<w:LsdException Locked="false" Priority="39" Name="toc 4"/>
<w:LsdException Locked="false" Priority="39" Name="toc 5"/>
<w:LsdException Locked="false" Priority="39" Name="toc 6"/>
<w:LsdException Locked="false" Priority="39" Name="toc 7"/>
<w:LsdException Locked="false" Priority="39" Name="toc 8"/>
<w:LsdException Locked="false" Priority="39" Name="toc 9"/>
<w:LsdException Locked="false" Priority="35" QFormat="true" Name="caption"/>
<w:LsdException Locked="false" Priority="10" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" Priority="1" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" Priority="11" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" Priority="22" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" Priority="59" SemiHidden="false"
UnhideWhenUsed="false" Name="Table Grid"/>
<w:LsdException Locked="false" UnhideWhenUsed="false" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" UnhideWhenUsed="false" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" QFormat="true" Name="TOC Heading"/>
</w:LatentStyles>
</xml><![endif]-->
<!--[if gte mso 10]>
<style>
/* Style Definitions */
table.MsoNormalTable
{mso-style-name:"Table Normal";
mso-tstyle-rowband-size:0;
mso-tstyle-colband-size:0;
mso-style-noshow:yes;
mso-style-priority:99;
mso-style-parent:"";
mso-padding-alt:0cm 5.4pt 0cm 5.4pt;
mso-para-margin:0cm;
mso-para-margin-bottom:.0001pt;
mso-pagination:widow-orphan;
font-size:10.0pt;
font-family:Calibri;}
</style>
<![endif]-->
<!--StartFragment-->
<!--EndFragment--><br />
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Apabila ia
diperolehi dan dimiliki oleh seseorang maka ia <b>ibarat harta rampasan perang</b>.<o:p></o:p></span></div>
</div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-59897018894767686232015-05-27T13:51:00.002+08:002015-05-27T13:51:48.583+08:00How new F&B business can bypass GST collection / Bagaimana bisnes GST baru boleh tidak mengutip GST<div dir="ltr" style="text-align: left;" trbidi="on">
I have written this as an article published in Malaysia Insider titled <a href="http://www.themalaysianinsider.com/sideviews/article/how-a-new-fb-outlet-can-bypass-gst-khairul-anuar-shaharudin">How a new F&B outlet can bypass GST by Khairul Anuar Shaharudin</a> and the new internet magazine LivingMsia titled <a href="http://livingmsia.com/getting-into-the-food-business-be-gst-smart/">Getting into the food business? Be GST smart</a>! (Check out <a href="http://livingmsia.com/">LivingMsia</a> as they are a new internet magazine with lots to offer). They are different from each other as I edited them for each publication.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKRyvd_dqmXCl-Iav18RETJF3f1lIPhaD_2HULkhrXA6Jks9v1Vri0pSdTCrwfL1GeieYCtg3h5u-5B4kNmTccAwjwZWZh-A2X7_Y6AotndnyTG9WoOpItjVAOFrSNyrKDI6vh7PJrG0Q/s1600/IMG02675-20100912-1351.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKRyvd_dqmXCl-Iav18RETJF3f1lIPhaD_2HULkhrXA6Jks9v1Vri0pSdTCrwfL1GeieYCtg3h5u-5B4kNmTccAwjwZWZh-A2X7_Y6AotndnyTG9WoOpItjVAOFrSNyrKDI6vh7PJrG0Q/s320/IMG02675-20100912-1351.jpg" width="320" /></a></div>
<br />
Here is the article reproduced ad verbatim from Malaysian Insider :<br />
<br />
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
Caution: this is not something the taxman (Customs Department) would like you to know, but the advice here is not against the law with regards to the goods and services tax (GST) in Malaysia.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
You are starting a new food and beverage (F&B) business because you think you have delicious food to sell. Here are some tips for new F&B ventures to make sure you will survive the first few months, maybe even a year or two, in this new GST era:</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
1) There is a threshold of RM500,000 per year before you have to collect GST from your clients. That amount translates to just above RM40,000 per month. You need to calculate an amount for your livelihood after deducting costs, which may translate to half of that amount or even less.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px;">
<span class="awsm" style="box-sizing: border-box;"><span id="div-gpt-ad-1400601790726-3" style="box-sizing: border-box;"></span></span></div>
<div id="google_ads_iframe_/2316076/rec_article_0__container__" style="background-color: white; border: 0pt none; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; text-align: justify;">
You can sell your food and beverages more cheaply than those who have to collect GST for every single item they sell.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px;">
</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
The threshold set makes sure any business that crosses the threshold is taxable under GST. If you are ambitious and cannot wait to make your first million in the first year of your business, you can go ahead and break that threshold and then you will have to collect GST from your clients.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
Those who are smart and know the real value of a business for its longevity, be patient. Business is a marathon and not a 100-metre dash, after all.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
2) In order to make No. 1 work, you have to have a game plan. Like buying your ingredients for your food business from among those stuffs which are zero-rated items in GST. Many raw materials are zero-rated but this may change in the future. Hence, study the list of zero-rated items and make sure you make adjustments accordingly.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
3) Lower the costs of your operation. You can do this by doing a few cost-effective measures of running an F&B business:</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
a) Operate the business yourself. Don't use too much labour, especially foreign labour. Man the point of sale yourself, cook and serve every customer yourself (personal touch is always good) and if you can, do everything yourself.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
b) Run your business from a stall or half a shop. Get a place where the rent is cheap. If you still want make it a full-service F&B business, the patrons can stand or sit on high chairs. This requires less space.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
c) Sell from home. Run a delivery service or a pick-up service. Cakes baked at home and delivered to buyers make surprisingly good business. Packed-lunch business is also picking up in the Klang Valley.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
d) A take-away only business like goreng pisang or nasi lemak stalls can be lucrative but still below the threshold for GST collection.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
e) Cater to small groups of people with a certain target of money to be collected each month. A cook with talents for certain types of food can command good money.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
f) Keep short hours for your F&B business. Foot traffic in most areas (even in malls) fills up only in short durations of time and not all the time every day. Concentrate on either breakfast or lunch or dinner or a combination of two only, ideally those adjacent to each other.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
g) Cook and send to other places to sell your food. There are not many nasi lemak bungkus on the tables of mamaks these days.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
4) Close the shop for a certain period of time each year when you near your threshold for that year. Or set a target of RM500,000 revenue per year and the moment you achieve it, close your shop until the next year comes around. People in Europe do it. Maybe it is time for us to follow suit.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
5) Finally, albeit expensively, close your business every time you have bypassed the threshold. Be forewarned, the Customs Department did warn that businesses which take this route may be found liable in trying to bypass GST.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
Do refer to a tax consultant about all your GST inquiries before implementing these suggestions. – May 26, 2015.</div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhWcXEr4yh8vrWtR1RKOCIlBmgGIrxGVZMLLMYv72bNTW85XaEuUnuAdI_Uc3H1Po1V3LVu9rQucoVHvlZtkuKcsnf54TIOPzALSUZwTzlrE5vZ3ueUOmr_hxRrvNLkLoqOSCswyyZhbmM/s1600/IMG01791-20110114-0905.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhWcXEr4yh8vrWtR1RKOCIlBmgGIrxGVZMLLMYv72bNTW85XaEuUnuAdI_Uc3H1Po1V3LVu9rQucoVHvlZtkuKcsnf54TIOPzALSUZwTzlrE5vZ3ueUOmr_hxRrvNLkLoqOSCswyyZhbmM/s320/IMG01791-20110114-0905.jpg" width="320" /></a></div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
<br /></div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
<i><b>Berikut adalah terjemahan artikel di atas di dalam Bahasa Malaysia :</b></i></div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
Amaran : Ini bukan sesuatu yang pihak berkuasa, Jabatan Kastam, mahu anda tahu tetapi nasihat di sini bukan lah sesuatu yang menyalahi undang-undang berkenaan cukai barangan dan perkhidmatan (GST) di Malaysia.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
Anda akan memulangkan perniagaan makanan dan minuman (F&B) yang baru kerana anda merasakan anda mempunyai makanan yang sedap untuk dijual. Berikut adalah beberapa tips untuk perniagaan F&B yang baru yang memastikan anda dapat bertahan selama beberapa bulan dan mungkin juga setahun dua di dalam era GST yang masih baru ini :</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
1) Terdapat had RM500,000 setahun yang perlu dilepasi sebelum anda perlu mengutip GST daripada pelanggan anda. Jumlah ini menjadi lebih kurang RM40,000 sebulan. Anda perlu mengira jumlah yang diperlukan untuk hidup setelah menolak kos, yang mungkin akan memakan setengah atau kurang daripada jumlah itu.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
Anda boleh menjual makanan dan minuman anda lebih murah daripada mereka yang mengutip GST daripada pelanggan untuk setiap barangan yang mereka jual.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
Had yang telah ditentukan memastikan hanya perniagaan yang telah melebihi had tersebut dikenakan cukai GST. Sekiranya anda jenis yang terlalu cepat kaya dan tidak boleh menunggu untuk mencapai jumlah sejuta anda pada tahun pertama perniagaan anda, anda boleh memilih untuk melepasi had tersebut yang menyebabkan anda terpaksa mengutip GST daripada pelanggan-pelanggan anda.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
Mereka yang bijak dan tahu tentang nilai sebenar sebuah perniagaan adalah berapa lama ia wujud, akan tahu untuk bersabar. Perlu ingat, perniagaan adalah satu maraton dan bukannya larian 100-meter.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
2) Untuk membuat No. 1 berjaya, anda perlu mempunyai perancangan rapi. Antaranya membeli barangan mentah untuk perniagaan makanan daripada barangan kadar-0 dalam GST. Banyak bahan mentah adalah barangan kadar-0 tetapi ini mungkin berubah di masa hadapan. Oleh itu, kaji senaran barangan mentah kadar-0 dan pastikan anda membuat pelarasan sewajarnya. </div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
3) Kurangkan kos operasi anda. Anda boleh lakukan ini dengan beberapa kos yang efektif dalam menjalankan perniagaan F&B :</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
a) Lakukan semua operasi anda sendiri. Jangan gunakan terlalu ramai pekerja, terutama pekerja asing. Jaga kaunter wang anda sendiri, masak sendir dan hidangkan makanan untuk pelanggan anda sendiri (sentuhan peribadi selalunya menarik pelanggan yang lebih) dan sekiranya boleh, lakukan semua perkara sendiri.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
b) Jalankan perniagaan anda daripada gerai atau sewa hanya setengah kedai. Dapatkan tempat di mana sewa adalah murah. Jika anda mahu menjadikan ia perniagaan F&B berservis penuh, pelanggan boleh berdiri atau duduk atas kerusi tinggi. Ini memerlukan ruang yang lebih kecil.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
c) Jual daripada rumah. Lakukan penghantaran atau pelanggan boleh mengambilnya sendiri. Kek yang dibakar di rumah dan dihantar kepada pelanggan adalah pernigaan yang menguntungkan. Perniagaan makanan tengahari berbungkus semakin popular di Lembah Klang. </div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
d) Perniagaan makanan bungkus-sahaja seperti yang menjual goreng pisang atau nasi lemak cukup menguntungkan tetapi masih tidak melepasi had untuk mengutip GST.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
e) Masak untuk pelanggan dalam majlis tertentu dengan jumlah tertentu dengan sasaran jumlah wang tertentu untuk dikutip setiap bulan. Tukang masak yang boleh memasak makanan tertentu boleh membuat duit yang banyak. </div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
f) Pastikan masa buka perniagaan F&B anda pendek. Trafik pelanggan di kebanyakan tempat (termasuk pasaraya) hanya banyak dalam tempoh masa tertentu dan bukan setiap masa pada setiap hari. Tumpukan samada untuk sarapan pagi atau makan tengahari atau makan malam atau gabungan dua daripadanya, secara ideal yang bersebelahan antara satu sama lain.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
g) Masak dan hantar ke tempat lain untuk menjual makanan anda. Nasi lemak bungkus semakin kurang di meja-meja di kedai mamak sekarang. </div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
4) Tutup kedai anda untuk beberapa lama pada setiap tahun apabila anda hampir mencapai had GST untuk tahun tersebut. Atau setkan sasaran perolehan RM500,000 setahun dan apabila anda mencapainya, tutup kedai anda sehingga tahun seterusnya. Banyak kedai di Eropah melakukannya. Mungkin sudah sampai masa kita melakukan yang sama.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
5) Akhirnya, walaupun mungkin sedikit mahal, tutup perniagaan anda apabila anda telah mencapai had GST tersebut dan buka perniagaan baru. Jabatan Kastam ada memberi amaran akan mengambil tindakan kepada perniagaan yang sengaja melakukan sedemikian untuk sesiapa yang didapati cuba untuk lari daripada mengutip GST.</div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 13px; line-height: 19.5px; margin-bottom: 9.5px; text-align: justify;">
Sila rujuk pakar cukai dan GST tentang sebarang hal-hal GST sebelum melakukan cadangan-cadangan di atas.</div>
</div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-26014480976755791032015-05-21T16:46:00.001+08:002015-05-21T16:46:09.830+08:00Sewa : Isu dan Konflik Tuan Rumah dengan Penyewa<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjmfg7mHAP-PjFMZ95oKiX3opCNcFcM2DVcPpc07CwrqWFWeyiAhyphenhyphenLrHiqYUGj5Prw29tfUTKAwjjtW9KwswC7ykIysx9a-zFE0lTjBkzHY1preZP2ZV9EZFzP0QjXqg90jY9hRcExlc6g/s1600/IMG-20150520-WA014.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjmfg7mHAP-PjFMZ95oKiX3opCNcFcM2DVcPpc07CwrqWFWeyiAhyphenhyphenLrHiqYUGj5Prw29tfUTKAwjjtW9KwswC7ykIysx9a-zFE0lTjBkzHY1preZP2ZV9EZFzP0QjXqg90jY9hRcExlc6g/s320/IMG-20150520-WA014.jpg" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
<div style="text-align: justify;">
Pada hari Rabu, 20.5.2015, saya telah muncul di dalam program TV Al-Hijrah, Assalamualaikum di dalam segmen hartanah berbicara tentang Penyewa vs. Tuan Rumah.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Saya ada membuat blogpost tentang kemunculan saya itu di <a href="http://kruel-legalcat.blogspot.com/2015/05/tv-al-hijrah-temuramah-sekmen-hartanah.html">sini</a> (eja segmen pun salah!).</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Program Assalamualaikum TV Al-Hijrah ini berlangsung setiap hari di antara pukul 8.30 pagi sehingga 10.30 pagi. Ini maklumat tentang program <a href="http://www.tvalhijrah.com/Rancangan/Rancangan-Bual-Bicara/Assalammualaikum.aspx">Assalamualaikum</a> yang diambil daripada website TV Al-Hijrah. Jika hendak playback rancangan-rancangan daripada TV Al-Hijrah boleh ke <a href="http://alhijrahmedia.com/">Al-Hijrah Media</a>. Oleh kerana mereka tidak menaikmuatkan semua program mereka, saya ingin mengulas apa yang telah saya bincangkan pada hari itu. Iaitu tentang isu menyewa rumah.</div>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj17hcB9TRpZydKaK9JZtI1dGUdS-ItUMcpzcorOYimbEQJq8lJ5JkO1ADUCKX3gIjZHo05qPRdiM7h70f8IdvZaYlnh8LLgGLveWlQ6g_PB4VvmlH8udV2Q28cLnM4ObVtcQRbV6vYwYs/s1600/IMG-20150520-WA015.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj17hcB9TRpZydKaK9JZtI1dGUdS-ItUMcpzcorOYimbEQJq8lJ5JkO1ADUCKX3gIjZHo05qPRdiM7h70f8IdvZaYlnh8LLgGLveWlQ6g_PB4VvmlH8udV2Q28cLnM4ObVtcQRbV6vYwYs/s320/IMG-20150520-WA015.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Hos pada hari itu adalah Shahrul dan Sofi</td></tr>
</tbody></table>
<div style="text-align: justify;">
Saya telah diutarakan soalan tentang masalah-masalah yang dihadapi oleh tuan rumah dengan penyewa. Ini berlaku terutamanya jika tiada perjanjian bertulis antara tuan rumah dengan penyewa.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Di Malaysia, kecuali di Bahagian 15, Kanun Tanah Negara 1965, tiada undang-undang spesifik berkenaan sewaan. Bahagian 15 itu secara am menggariskan tentang sewaan sebarang hartanah melebihi tiga tahun akan menjadikan sewaan itu pajakan dan perlu didaftarkan di pejabat tanah menggunakan Borang 15A di dalam Kanun Tanah Negara tersebut.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Kebanyakan sewaan yang dilakukan di kalangan orang awam adalah yang tidak melebihi tiga tahun dan jatuh di bawah sewaan.</div>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyZvCQM6XB8DTYx9hfWCygbrYYq66au7I_Ci9VhksqipgRwm-9eWEFQVClOwKKsQDyWaWsZdk9zRiOVYgPQDclTar4XkGFq9n7mE7BFRw3odJXtyfSC1WSek51csQ7bDhSXSUWfEXQses/s1600/IMG_20150520_092010.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyZvCQM6XB8DTYx9hfWCygbrYYq66au7I_Ci9VhksqipgRwm-9eWEFQVClOwKKsQDyWaWsZdk9zRiOVYgPQDclTar4XkGFq9n7mE7BFRw3odJXtyfSC1WSek51csQ7bDhSXSUWfEXQses/s320/IMG_20150520_092010.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Studio TV Al-Hijrah</td></tr>
</tbody></table>
<div style="text-align: justify;">
Selain daripada perlunya perjanjian penyewaan untuk menolong tuan rumah mengutip sewa, ia juga diperlukan oleh tuan rumah untuk menekankan kepada penyewa perkara-perkara berikut :</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
1) Bila dan bagaimana bayaran sewaan perlu dilakukan. Sebagai tuan rumah, saya mendapati cara terbaik untuk memastikan penyewa membayar sewa adalah dengan penyewa memberi cheque post dated selama setahun. Ini akan memastikan sewa masuk tepat pada waktunya;</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
2) Memastikan keadaan rumah akan dipulangkan dalam keadaan baik. Saya cadangkan agar gambar keadaan rumah sebelum diserahkan kepada penyewa dimasukkan ke dalam Perjanjian Penyewaan dan ia menjadi panduan untuk penyewa memulangkan dalam keadaan yang sama;</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
3) Terma tentang apa-apa pengubahsuaian di dalam rumah dinyatakan dengan jelas termasuk meminta kebenaran daripada pihak berkuasa tempatan, membayar deposit kepada pihak berkuasa tempatan dan membayar denda, jika ada;</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
4) Satu senarai barangan samada perabut atau fittings yang diserahkan kepada penyewa dilampirkan dalam Perjanjian Penyewaaan tersebut;</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
5) Deposit rumah yang penuh dibayar pada masa Perjanjian Penyewaan dan penyerahan kunci dibuat. Ramai yang mengabaikan ini dan menyesal apabila penyewa membuat hal. Deposit biasanya adalah 2 bulan jumlah sewa dan 1 bulan sewa untuk sebarang kegagalan membayar bil utiliti;</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
6) Satu cara yang baik untuk memastikan tuan rumah tidak dibebankan dengan bil utiliti tidak berbayar adalah dengan mendaftar nama penyewa untuk utiliti tetapi syarikat utiliti biasanya membenarkan ini hanya untuk hartanah komersil;</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
7) Tuan rumah dan penyewa juga kena jelas tentang perkara paling penting iaitu kenaikan harga sewaan (tempoh masa dan jumlah);</div>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQNID5VzfCWGW9OXyDrctn0HcSC6GhnkdEhaHdIq4GvLNcKm8r5IfkY8sW6ONNlZ27xZ4ku7yaZBiA5E2GtN1bCzpRbL0S7pYH6ah8oHDwHg6LywfolkhW3_PaAl_4GysrAfErnL5khtY/s1600/IMG_20150520_091508.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQNID5VzfCWGW9OXyDrctn0HcSC6GhnkdEhaHdIq4GvLNcKm8r5IfkY8sW6ONNlZ27xZ4ku7yaZBiA5E2GtN1bCzpRbL0S7pYH6ah8oHDwHg6LywfolkhW3_PaAl_4GysrAfErnL5khtY/s320/IMG_20150520_091508.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Sebelum segmen saya, tetamu mereka termasuk Fynn Jamal bercakap tentang bayi terbuang</td></tr>
</tbody></table>
<div style="text-align: justify;">
Saya juga pernah ditemuramah oleh BFM Radio mengenai penyewaan hartanah komersil. Temuramah ini boleh didengar di podcast di bawah :</div>
<br />
<a href="http://www.bfm.my/propertyshow-khairul-anuar-commercial-leases.html">Negotiating Commercial Leases</a></div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-56751710935459330402015-05-19T23:06:00.001+08:002015-05-19T23:06:36.489+08:00TV Al-Hijrah - Temuramah Sekmen Hartanah 20.5.2015<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="text-align: justify;">
<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-bH3uk6ep8IE/U4QirDZWjxI/AAAAAAAAGfA/-A90f6YdHEg/s1600/20140124_100432.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="180" src="http://3.bp.blogspot.com/-bH3uk6ep8IE/U4QirDZWjxI/AAAAAAAAGfA/-A90f6YdHEg/s320/20140124_100432.jpg" width="320" /></a></div>
<br /></div>
<div style="text-align: justify;">
Saya akan muncul di segmen Assalamualaikum TV Al-Hijrah pada Rabu, 20.5.2015 di dalam segmen hartanah untuk berkongsi ilmu tentang masalah dan penyelesaian isu-isu yang timbul apabila menyewakan rumah kepada penyewa.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Berikut adalah soalan-soalan yang ditimbulkan oleh penerbit untuk saya terangkan dalam segmen hartanah tersebut (saya salin secara verbatim) :</div>
<div style="text-align: justify;">
<br /></div>
<div dir="ltr" style="color: #222222; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-align: justify;">
<span style="color: black; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: inherit;"><b>FOKUS/SIPNOSIS:</b></span></span></div>
<div dir="ltr" style="color: #222222; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-align: justify;">
<span style="color: black; font-family: inherit; line-height: 1.38; white-space: pre-wrap;"><br /></span></div>
<div dir="ltr" style="color: #222222; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-align: justify;">
<span style="color: black; font-family: inherit; line-height: 1.38; white-space: pre-wrap;">Kekecewaan adalah perkataan yang paling tepat untuk digambarkan kepada pemilik rumah yang memberi sewa kepada penyewa yang suka hati mengubah suai rumah dan tidak menjelaskan bayaran sewa tepat pada masanya. Inilah lumrah yang terpaksa dihadapi pemilik rumah yang menyewakan rumah mereka kepada orang lain. Perjanjian awal di antara pemilik dan penyewa sudah tentu pelbagai kata-kata manis diberikan.</span></div>
<div style="text-align: justify;">
<span style="font-family: inherit;"><br style="color: #222222; line-height: 20px; text-align: start;" /></span></div>
<div dir="ltr" style="color: #222222; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-align: justify;">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBDm58HGzhl1Sk9kt0MIBa6sgZsSJBNa9KqWTmwelFCtObMwo2HaIeTjtn0JYAWDOfGsqAqx82IwlCYUNGolSgfc8lOBn0mv29UCYBJIQ6Tev8p1Witk16KaeOPUp9H-qBzeC3Qadsdto/s1600/IMG00730-20101128-1614.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBDm58HGzhl1Sk9kt0MIBa6sgZsSJBNa9KqWTmwelFCtObMwo2HaIeTjtn0JYAWDOfGsqAqx82IwlCYUNGolSgfc8lOBn0mv29UCYBJIQ6Tev8p1Witk16KaeOPUp9H-qBzeC3Qadsdto/s320/IMG00730-20101128-1614.jpg" width="320" /></a></div>
<span style="color: black; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: inherit;"><b><br /></b></span></span>
<b style="color: black; font-family: inherit; line-height: 1.38; white-space: pre-wrap;">SOALAN :</b></div>
<div dir="ltr" style="color: #222222; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-align: justify;">
<span style="color: black; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: inherit;"><br /></span></span></div>
<div dir="ltr" style="color: #222222; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-align: justify;">
<span style="color: black; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: inherit;">1. Sebagai penyewa, apa yang perlu anda lakukan apabila menyewa rumah?</span></span></div>
<div dir="ltr" style="color: #222222; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-align: justify;">
<span style="color: black; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: inherit;">2. Apakah yang dibolehkan dan tidak dibolehkan sebagai penyewa untuk melakukan pengubahsuaian rumah?</span></span></div>
<div dir="ltr" style="color: #222222; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-align: justify;">
<span style="color: black; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: inherit;">3. Mengikut Perjanjian sewa rumah, apakah tindakan tuan rumah sekiranya mereka gagal patuhi?</span></span></div>
<div dir="ltr" style="color: #222222; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-align: justify;">
<span style="color: black; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: inherit;">4. Penyewa sukahati ubah meter.</span></span></div>
<div dir="ltr" style="color: #222222; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-align: justify;">
<span style="color: black; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: inherit;">5. Selain itu, sewa bulanan dilambatkan namun masih mampu untuk mengubahsuai rumah tersebut.</span></span></div>
<div style="text-align: justify;">
<span style="line-height: 20px; text-align: start; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: inherit;">6. Kata-kata akhir pesanan kepada penyewa dan tuan rumah.</span></span></div>
<div style="text-align: justify;">
<span style="line-height: 20px; text-align: start; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: inherit;"><br /></span></span></div>
<div style="text-align: justify;">
<span style="line-height: 20px; text-align: start; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: inherit;">Saya akan jawap soalan-soalan yang ditanya dalam rancangan Assalamualaikum esok pagi. Rancangan ini berlangsung di antara pukul 8.30 pagi sehingga 10.30 pagi setiap Isnin sehingga Ahad secara live daripada Pusat Penyiaran Digital TV Al-Hijrah di Kompleks Pusat Islam, Kuala Lumpur. </span></span></div>
</div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-59477574127553158302015-05-14T16:10:00.000+08:002015-05-14T16:13:22.618+08:00Why does it take so long for lawyers to complete a property transaction?<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEge_AaZriNL1-4LaDMv9VY4unK-TIkOE5lgYNE4ARe004X_THnMutqxatsyg_z8ee_ctz2dmOuOgH_g7Foef5ps3XUJslOmyVZVkzoekYgqT0csH7Q1otJyg7iRQQmaWN2SD7gt5MZujzo/s1600/P1010759.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEge_AaZriNL1-4LaDMv9VY4unK-TIkOE5lgYNE4ARe004X_THnMutqxatsyg_z8ee_ctz2dmOuOgH_g7Foef5ps3XUJslOmyVZVkzoekYgqT0csH7Q1otJyg7iRQQmaWN2SD7gt5MZujzo/s320/P1010759.JPG" width="240" /></a></div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<span style="line-height: 150%;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<span style="line-height: 150%;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<span style="line-height: 150%;"><span style="font-family: Arial, Helvetica, sans-serif;">This question is not only asked by
the purchaser of a property transaction but is also asked by the seller who
sells the property to get money out of it. Most seller and purchaser expect a
property transaction to be completed within a month or two. That is not the
case as there are various factors to be taken into consideration and various
parties involved other than the seller and the purchaser. <o:p></o:p></span></span></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<br /></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<span style="line-height: 150%;"><span style="font-family: Arial, Helvetica, sans-serif;">A lawyer is involved in a property
transaction as a facilitator. A lawyer manages the various parties involved in
the property transaction which include :</span></span></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="line-height: 150%; text-indent: -0.25in;">1)<span style="font-stretch: normal; line-height: normal;"> </span></span><span style="line-height: 150%; text-indent: -0.25in;">the seller;</span></span></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="line-height: 150%; text-indent: -0.25in;">2)<span style="font-stretch: normal; line-height: normal;"> </span></span><span style="line-height: 150%; text-indent: -0.25in;">the purchaser;</span></span></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="line-height: 150%; text-indent: -0.25in;">3)<span style="font-stretch: normal; line-height: normal;"> </span></span><span style="line-height: 150%; text-indent: -0.25in;">the lawyer representing the seller
(if the lawyer is acting for the purchaser) and vice versa;</span></span></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="line-height: 150%; text-indent: -0.25in;">4)<span style="font-stretch: normal; line-height: normal;"> </span></span><span style="line-height: 150%; text-indent: -0.25in;">the housing developer (which an be the seller
or involved in the transaction as the property is not issued with an individual
title yet);</span></span></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="line-height: 150%; text-indent: -0.25in;">5)<span style="font-stretch: normal; line-height: normal;"> </span></span><span style="line-height: 150%; text-indent: -0.25in;">the land office (where the property
is registered as proof of ownership);</span></span></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="line-height: 150%; text-indent: -0.25in;">6)<span style="font-stretch: normal; line-height: normal;"> </span></span><span style="line-height: 150%; text-indent: -0.25in;">the state authority (which is
actually represented by the land office but is involved if the property is a property which requires a consent to transfer or consent to charge - usually leasehold property);</span></span></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="line-height: 150%; text-indent: -0.25in;">7)<span style="font-stretch: normal; line-height: normal;"> </span></span><span style="line-height: 150%; text-indent: -0.25in;">local authority (to pay for any assessment
notice arrears);</span></span></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="line-height: 150%; text-indent: -0.25in;">8)<span style="font-stretch: normal; line-height: normal;"> </span></span><span style="line-height: 150%; text-indent: -0.25in;">bank or banks (depending whether the purchaser
purchase the property by taking a housing loan and if the seller still owes the
bank any money which need to be paid first)</span></span></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<br /></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<span style="line-height: 150%;"><span style="font-family: Arial, Helvetica, sans-serif;">The duration of a property
transaction from the time that the Sale & Purchase Agreement is signed to
the time that the purchaser can say that he is the new owner of the property
fluctuates according to the type of property being transacted. The easiest type
of property to transfer will be a piece of land but this type of property also
has pitfalls which can drag the transaction into many months. If the property
is a house, the package that it comes in will be the key to the process. A
house can be built on a piece of land and sell as a terrace house, a bungalow
or a semi-D. A house can also be an apartment, a condominium and a penthouse. Agreements
governing the sale of the house built on land and the one sold as a strata
property are different.<o:p></o:p></span></span></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<br /></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<span style="line-height: 150%;"><span style="font-family: Arial, Helvetica, sans-serif;">When you buy from a property
developer, the sale of a house on land will use the agreement provided for in
Schedule G under the Housing Development (Control and Licensing) Act 1966 which
is the sale of building and land. The time frame provided for the property to
be completely built and delivered to the purchaser is two years. Within the two
years, the housing developers at their own pace must built the structure of the
house, get all the infrastructures within the housing development ready, deal
with authorities and finally deliver the key to the house buyer. The sale of strata
property will use the agreement provided for in Schedule H of the Housing
Development (Control and Licensing) Act 1966 which is the sale of building or
land which will be subdivided into parcel. As for strata property, the
timeframe is increased to three years as there are a lot more complications in
building a property with many units within it. <o:p></o:p></span></span></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<br /></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<span style="line-height: 150%;"><span style="font-family: Arial, Helvetica, sans-serif;">As housing developers has their own
capability in building their housing project, you cannot actually say they are
not delivering because you do not see any construction is taking place at the
place where your new house is supposed to be. As much as housing developers are
said to have a reputation as businessmen who don’t deliver what they have
promised, they can set the schedule of building the houses according to their
own time frame. If they are serious businessmen, they will want more purchasers
to purchase their housing project and keep them in business. Only when there are no progress in the
housing development for more than one year should you worry about the fate of
your house, if you buy the property from a housing developer.<o:p></o:p></span></span></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<span style="line-height: 150%;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjiAD2LjB5LaGLUaIOKWXaMhoUPZVyOJKMfJktVJ1ztUXkka3hSTw-aHUsCZnOV-2xtl749s9sbptnOE-onpr1lEJJ3dhXuiDXZYfrMfGspbu0bWwy1OES7S2cIMi8d0IXkzWxajscVI00/s1600/P4260010.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjiAD2LjB5LaGLUaIOKWXaMhoUPZVyOJKMfJktVJ1ztUXkka3hSTw-aHUsCZnOV-2xtl749s9sbptnOE-onpr1lEJJ3dhXuiDXZYfrMfGspbu0bWwy1OES7S2cIMi8d0IXkzWxajscVI00/s320/P4260010.JPG" width="320" /></a></div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<span style="line-height: 150%;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<span style="line-height: 150%;"><span style="font-family: Arial, Helvetica, sans-serif;">However, if you are buying a property
from another individual, the timeframe for the completion of the transaction
can fluctuate between three months to more than a year (even more), depending
on the type of property that you are buying and how you intend to finance your
purchase. If the property that you are buying is not charged to any financial
institution and the property does not require to be approved by the state
authority to be transferred, whether the property has been issued a title or
not, the time for it to be transferred can be a short time of two or three
months. This is a very rare occurrence in this day and age as most property is
purchased by the vendor in the first instance using a financial institution. <o:p></o:p></span></span></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<br /></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<span style="line-height: 150%;"><span style="font-family: Arial, Helvetica, sans-serif;">If the property is charged to a
financial institution, the time for the transfer will be determined by the
efficiency of bank which has put a charge on the property before it is sold.
The bank will only release the property from its control once it has receives
the full amount of payment due from the purchaser’s financier. Just imagine the
intricacies that are involve as your lawyers have to communicate with your
financier, with the vendor’s lawyer, with the vendor’s bank and in certain
matters, the vendor himself, in trying to get the property unencumbered. Once
payment are made, the lawyer who handles the finance side of your purchase will
have to secure the interest of the financial institution that you have chosen
to finance your property transaction. That will take another duration which
will depend on the efficiency of your lawyer and to some extent, your
financier. <o:p></o:p></span></span></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<br /></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;">One of the
timeframe which usually delay the completion of a property transaction is when
consent to transfer need to be acquired from the State Authority. ‘Application
for Consent to Transfer’ as it is called usually takes between 3 months or more
especially if the transfer is from a bumiputra seller to a non-bumiputra
purchaser. Surprisingly, once consent to transfer is obtained, a consent to
charge will only requires a maximum of 2 weeks to be obtained from the same
department. <o:p></o:p></span></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<br /></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;">If the property
is still not issued with an individual title, the housing developer which had
built the property needs to be involved in the equation. Although Section 22D
of the Housing Development (Control and Licensing) Act 1966 has specifically
stated a housing developer should not withhold confirmation of any arrears and
can only charge RM50-00 for issuing an undertaking to the lawyer(s) handling
the transaction, things get complicated if there are arrears, if Joint
Management Body decided to be tough and if the property is under receivership,
to quote a few ‘complications’. Add between two weeks to three months for your
lawyer to resolve this.<o:p></o:p></span></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<br /></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;">Another delay
will usually happen when the property needs to be redeemed from the seller’s
financier. As the seller’s financier is in the process of losing a customer,
the department that handles the issuance of redemption statement and handling
the redemption itself usually takes time to do as such. Another factor is the
security documents are usually kept by a storage company and takes some
reasonable time to be located. Add in another one or two month to the equation.<o:p></o:p></span></div>
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<br /></div>
</div>
<div style="text-align: left;">
</div>
<div class="MsoNormal" style="line-height: 150%; text-align: left;">
<div style="text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;">These are just
some examples which can crop up when a property transaction is being conducted
by your lawyer. A good advice for novice or even seasoned seller or purchaser
of property to follow closely your lawyer who conducts your property
transaction and help them facilitate the transaction wherever you could.</span><o:p></o:p></div>
<div style="text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;"><i>This article was first published in Property Insight magazine, April 2015 edition</i></span></div>
</div>
</div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-63448652341459162272015-04-21T14:50:00.000+08:002015-04-21T14:50:37.941+08:00London Book Fair 2015<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhh0mr3156kK1ie6yj-YAkUXrjiEAcO2fNA05OtO7pkw1NLMC6NrpZeGVKzxavZFnpt7TPAK3vqRDgZAt0QbHZhdo1RZuP6X01tGnaIvuonoHrtttbagXqS6-ybiQVeWTH-XCRu8hRwKzc/s1600/IMG-20150414-WA005.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhh0mr3156kK1ie6yj-YAkUXrjiEAcO2fNA05OtO7pkw1NLMC6NrpZeGVKzxavZFnpt7TPAK3vqRDgZAt0QbHZhdo1RZuP6X01tGnaIvuonoHrtttbagXqS6-ybiQVeWTH-XCRu8hRwKzc/s1600/IMG-20150414-WA005.jpg" height="320" width="240" /></a></div>
<br />
<div style="text-align: justify;">
After the Tokyo Book Fair 2014 (which I still haven't blogged about) and the New Delhi Book Fair 2015, last week, between 14 to 16 of April 2015, I managed to attend the London Book Fair 2015. Unlike the Tokyo Book Fair 2014 and the New Delhi Book Fair 2015, I properly attend the three-day event as I was given the task by the owner of Fixi, Amir Muhammad, to help him to bring Malaysian publishers to the London Book Fair in 2016. We are determine to do it without government help as we think the London Book Fair can be a springboard to a lot of Malaysian publishers to break new territory.</div>
<div style="text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhb5zs2ObkXP6DRqs3YSCfDq-UzTpJ2wGZHPYw3-T29RbIiAEn7LiISNSMGohQPIBPjX30zh-37jnve45kk7u0Kfp_FZld0674bmuUbIRTaPrzp-ZSg7qWwMqQ_lgaR0ZHxLIhGwr7ilIQ/s1600/IMG_20150414_113225.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhb5zs2ObkXP6DRqs3YSCfDq-UzTpJ2wGZHPYw3-T29RbIiAEn7LiISNSMGohQPIBPjX30zh-37jnve45kk7u0Kfp_FZld0674bmuUbIRTaPrzp-ZSg7qWwMqQ_lgaR0ZHxLIhGwr7ilIQ/s1600/IMG_20150414_113225.jpg" height="320" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0tOdDyHDLr1mvaI62qgSbeYf5ccG5lxGAlbp0nLIaSdLvPNwAlo-K4M7TS_ZLntNCw8SAmaLfyW0iuOKKyU1ytUM1hLmdsuqj-eVxj7IbWPLjAGJ-YFsolDGcIXj47hXV_h1aJaBHDEc/s1600/IMG_20150414_115314.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0tOdDyHDLr1mvaI62qgSbeYf5ccG5lxGAlbp0nLIaSdLvPNwAlo-K4M7TS_ZLntNCw8SAmaLfyW0iuOKKyU1ytUM1hLmdsuqj-eVxj7IbWPLjAGJ-YFsolDGcIXj47hXV_h1aJaBHDEc/s1600/IMG_20150414_115314.jpg" height="320" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4IOymv9dL8tBUhhMne8zb4s0kXAQOX7Jz0CE4jEBwZpbNMr7xR_jG6qMP1bcp3CRjWjmSPmcmRfi_p2I8r6kOOkkuYjB4nw7cMLvvKTPIeyYY_l3nT_NhsJ-JaVfXLxvqkaYFe6iT-nw/s1600/IMG_20150414_115526.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4IOymv9dL8tBUhhMne8zb4s0kXAQOX7Jz0CE4jEBwZpbNMr7xR_jG6qMP1bcp3CRjWjmSPmcmRfi_p2I8r6kOOkkuYjB4nw7cMLvvKTPIeyYY_l3nT_NhsJ-JaVfXLxvqkaYFe6iT-nw/s1600/IMG_20150414_115526.jpg" height="320" width="320" /></a></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<span style="text-align: left;">It was one year, in 2014, after Fixi won the Bookseller International Adult Trade Publisher Award at the International Book Industry Excellence Awards. Here is </span><a href="http://www.thestar.com.my/Lifestyle/Books/News/2014/04/09/Malaysian-publisher-Fixi-wins-award-at-the-London-Book-Fair/" style="text-align: left;">the Star newspaper</a><span style="text-align: left;"> coverage about Fixi win last year. It was a proud moment for Fixi and I had just joined Fixi. I now can claim to be one of Fixi's stable of writers with 2 short stories being accepted in their anthologies (Lost in Putrajaya and MF2014) and 2 Malay novels : Pinjam and Pentas. Here's my </span><a href="https://www.goodreads.com/author/list/8073715.Anuar_Shah" style="text-align: left;">Goodreads link</a><span style="text-align: left;">.</span></div>
<div style="text-align: justify;">
<span style="text-align: left;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgzeS1O9N9EEGA22gFLYMbTWjNQt0cY8XvmbiUZkrTfYG1vvjR8WXjEnUDMXfxLpZqxQzqGYBBsBcwnt1FMUNRLDxsi7QFen1R_kwZxIik_y6HdaYhvCel2lJzlETHkkPsuBs9hnvzACII/s1600/IMG_20150414_142335.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgzeS1O9N9EEGA22gFLYMbTWjNQt0cY8XvmbiUZkrTfYG1vvjR8WXjEnUDMXfxLpZqxQzqGYBBsBcwnt1FMUNRLDxsi7QFen1R_kwZxIik_y6HdaYhvCel2lJzlETHkkPsuBs9hnvzACII/s1600/IMG_20150414_142335.jpg" height="320" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiuhlBrfa3JBi8lo3h2Dpf4o3HWjqYQjW2jm4L1Vho5do_E1GD-oBEs2iaIop2Aysly6NXfCwp_2fFpssfeq5TyGxQEpJfv1EnjOCljif_6GYZ6BDVD39I4vFjh1z0imvmHVnfl1m3KYzU/s1600/IMG_20150414_153930.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiuhlBrfa3JBi8lo3h2Dpf4o3HWjqYQjW2jm4L1Vho5do_E1GD-oBEs2iaIop2Aysly6NXfCwp_2fFpssfeq5TyGxQEpJfv1EnjOCljif_6GYZ6BDVD39I4vFjh1z0imvmHVnfl1m3KYzU/s1600/IMG_20150414_153930.jpg" height="320" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgheXB9ydagSd9RKanMxBIZKxJM6tbdLmxiCyMxw2WDiEvz9LXWh9VcvZbtY4PM8NjKXoSB-EAiVKzYSijmP61mSnOTnwJZiMG1W60cJPAeL6pHURJT3A9ltipteA5CvtKDky0g3_k121A/s1600/IMG_20150414_155845.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgheXB9ydagSd9RKanMxBIZKxJM6tbdLmxiCyMxw2WDiEvz9LXWh9VcvZbtY4PM8NjKXoSB-EAiVKzYSijmP61mSnOTnwJZiMG1W60cJPAeL6pHURJT3A9ltipteA5CvtKDky0g3_k121A/s1600/IMG_20150414_155845.jpg" height="320" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0qROXMjkhS0AcCPL8dmNICo66UCPrpwjxS_Rmz23ZvTMVQK77gmmhmyAIA5Y57BYUIt_ek5o7FSfBPZ3Gt4UI7atDouywNS1Jf7tnqYhGL_gNBnA0I0md9w1ETRC_qbyOBSO_S0tt93w/s1600/IMG_20150414_183147.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0qROXMjkhS0AcCPL8dmNICo66UCPrpwjxS_Rmz23ZvTMVQK77gmmhmyAIA5Y57BYUIt_ek5o7FSfBPZ3Gt4UI7atDouywNS1Jf7tnqYhGL_gNBnA0I0md9w1ETRC_qbyOBSO_S0tt93w/s1600/IMG_20150414_183147.jpg" height="320" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwRKdnA7MPD2goWwYFzb9OwKd8ICTApxZLX4cDUbLWYb2ARD3mgXrW49UPaXcrNmRpn5xE4QcojQ5Cxf3IkkyZcfgqGaSwcAgZwXNwWh8e6636xNwh4CQ0z6M1jG-eNdT2tW7Owe1ykbk/s1600/IMG_20150414_163959.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwRKdnA7MPD2goWwYFzb9OwKd8ICTApxZLX4cDUbLWYb2ARD3mgXrW49UPaXcrNmRpn5xE4QcojQ5Cxf3IkkyZcfgqGaSwcAgZwXNwWh8e6636xNwh4CQ0z6M1jG-eNdT2tW7Owe1ykbk/s1600/IMG_20150414_163959.jpg" height="320" width="320" /></a></div>
<div style="text-align: justify;">
<span style="text-align: left;"><br /></span></div>
At the London Book Fair, where the business of books were conducted by business people, there were so many writers abound looking for opportunity. As you have to pay to get a badge, at GBP35, you know all that attended the London Book Fair were serious people. Unlike the other book fairs I attended, I planned to do so as well. I attended nearly most of the interesting forum, book launches, author's talk, technology briefing and pavilion's launches. Singapore have a pavilion which Amir said was getting bigger and bigger. Indonesia on account of being the guest country in October 2015's Frankfurt Book Fair 2015 (the biggest book fair in the world) had quite a big pavilion too.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjEZKLhqtlOYyJzkzGnxzXq4WfnmbO4ZDm7N8BuLiUi4kjP4j5s5_6z1SE9WgBNHflkqzHVwtwLw4ker3HKnIyWyGkPm9hLRCvZ58lptoLT5OxDnSbj3rrrxM_wlQHs6Pk0nHUnoB0JI0U/s1600/IMG_20150415_111047.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjEZKLhqtlOYyJzkzGnxzXq4WfnmbO4ZDm7N8BuLiUi4kjP4j5s5_6z1SE9WgBNHflkqzHVwtwLw4ker3HKnIyWyGkPm9hLRCvZ58lptoLT5OxDnSbj3rrrxM_wlQHs6Pk0nHUnoB0JI0U/s1600/IMG_20150415_111047.jpg" height="320" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgw0L2J3ji9YpwkhircRdRvmeJk0WXsV41rtHgmv-42lGZI8ovYAPwVJBz33A4ci-PIPld04ZxmCfgNyb6-5MjhrciqpwTDa0TGg2BzeDqavgHgYT5siaxELiZsIwtJZA8XGp5MkIGCs_0/s1600/IMG_20150415_113056.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgw0L2J3ji9YpwkhircRdRvmeJk0WXsV41rtHgmv-42lGZI8ovYAPwVJBz33A4ci-PIPld04ZxmCfgNyb6-5MjhrciqpwTDa0TGg2BzeDqavgHgYT5siaxELiZsIwtJZA8XGp5MkIGCs_0/s1600/IMG_20150415_113056.jpg" height="320" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEhYCE2McQJEOpQJ-chlNxjIFfCQDA5ykCOdqNw5_NJf_J514wBakjbOOvkfdeYG4AqtlWADif0Uk3Xaiv6ERQcCSC2UWb8nbzNRSXq_mc1_FmHpTmDlx8RsJB4q3inRLRg7qlq6aQXbo/s1600/IMG_20150415_111618.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEhYCE2McQJEOpQJ-chlNxjIFfCQDA5ykCOdqNw5_NJf_J514wBakjbOOvkfdeYG4AqtlWADif0Uk3Xaiv6ERQcCSC2UWb8nbzNRSXq_mc1_FmHpTmDlx8RsJB4q3inRLRg7qlq6aQXbo/s1600/IMG_20150415_111618.jpg" height="320" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjIvELnU4LT_UaeeOOVCb6gqlk1rvDFm9CAcyYYIq4sALarnWZoM-nF0ms_vxAbPzC_wBBMKQ5mv4SiswSjZ3GC1sLLiz6n3Yj0pJtzznyyCuB7ZFLYFOlhiwSwUj1xwijxMogradQJTNE/s1600/IMG_20150415_121634.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjIvELnU4LT_UaeeOOVCb6gqlk1rvDFm9CAcyYYIq4sALarnWZoM-nF0ms_vxAbPzC_wBBMKQ5mv4SiswSjZ3GC1sLLiz6n3Yj0pJtzznyyCuB7ZFLYFOlhiwSwUj1xwijxMogradQJTNE/s1600/IMG_20150415_121634.jpg" height="320" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhY3fWZKvPcNmnFkY9r7PmMeJXulpEd7gNmYtbOGKQc0zSCU0BrjZti07D8KD9z_EFKSuGk9nVZ1D1R3hJK7As9WnIVZlqT1ModVoKgEUg8eTB7_OZqtqkBwj6qJ5myp_w6MAzxECD_AxU/s1600/IMG_20150415_124207.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhY3fWZKvPcNmnFkY9r7PmMeJXulpEd7gNmYtbOGKQc0zSCU0BrjZti07D8KD9z_EFKSuGk9nVZ1D1R3hJK7As9WnIVZlqT1ModVoKgEUg8eTB7_OZqtqkBwj6qJ5myp_w6MAzxECD_AxU/s1600/IMG_20150415_124207.jpg" height="240" width="320" /></a></div>
<br />
<br />
Mexico was the Market Focus country for London Book Fair 2015 and had a huge pavilion. I managed to catch Elena Poniatowska, a famous Mexican writer; Chris Evans before he opened up the Club room, a frank discussion among translators from various countries about the fees they are getting paid for doing translations, a discussion by those who are bringing the Susanna Clarke's book : Jonathan Strange and Mr. Norrell to television, a talk by Conchita Wurst and a few other talks which I managed to hear bits and pieces of. Some of these writers I only heard of for the first time although they looked adored by a few people.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEikclemnY_xU9BYI0ZaILNHxHXrCq1J7GsbW_TJi2hkeammHlEBxjzIBEc7-hQfYwyP65gpgtbtgTSAzK9OUpDkcYNOtNAAPOqWehUVs4JO9G4VnzKpBTlQn0-UBUNoTD01wrf9MA05X-U/s1600/IMG_20150415_130209.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEikclemnY_xU9BYI0ZaILNHxHXrCq1J7GsbW_TJi2hkeammHlEBxjzIBEc7-hQfYwyP65gpgtbtgTSAzK9OUpDkcYNOtNAAPOqWehUVs4JO9G4VnzKpBTlQn0-UBUNoTD01wrf9MA05X-U/s1600/IMG_20150415_130209.jpg" height="240" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXY0qZ-oNNg37bZNqvpFwV_6JG1qldH393aLBgygAZ3GuInub2qphym1VZJU1CRWxlPmQEytjEZ0mgrqUZZgCf4UehCiTC_wiK3ixx3yLJed7aMKDKoPk7kDjdFO5ZcctO2uAqwB04GVU/s1600/IMG_20150415_142751.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXY0qZ-oNNg37bZNqvpFwV_6JG1qldH393aLBgygAZ3GuInub2qphym1VZJU1CRWxlPmQEytjEZ0mgrqUZZgCf4UehCiTC_wiK3ixx3yLJed7aMKDKoPk7kDjdFO5ZcctO2uAqwB04GVU/s1600/IMG_20150415_142751.jpg" height="240" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgltO0CfrVvsVdKznbP4h-DnL8tdllAGYXs5FNS37MBYN-I-Hl2bHZl6_gHbacesQY0jv0CZ1WFMbtu9DviYRKdZIHkPIPPVhmhk2TUImrCfix8QVQktkaB8bI1hebuVzAcvnG2gTbzIQc/s1600/IMG_20150415_153010.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgltO0CfrVvsVdKznbP4h-DnL8tdllAGYXs5FNS37MBYN-I-Hl2bHZl6_gHbacesQY0jv0CZ1WFMbtu9DviYRKdZIHkPIPPVhmhk2TUImrCfix8QVQktkaB8bI1hebuVzAcvnG2gTbzIQc/s1600/IMG_20150415_153010.jpg" height="240" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhH-yolLEhVaZUA1RQQyv88vZybn3MDgKql9Fr-HK1jwVvvRBSZDjt-k9SL7Ufu5q4FZdD-2fuMVXDUdjxohZxhi8XsDFDO5FvL__zsrH2qYNyD3zJIrlWbAlraH4z9p0pY5AaSb68YCZU/s1600/IMG_20150416_122129.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhH-yolLEhVaZUA1RQQyv88vZybn3MDgKql9Fr-HK1jwVvvRBSZDjt-k9SL7Ufu5q4FZdD-2fuMVXDUdjxohZxhi8XsDFDO5FvL__zsrH2qYNyD3zJIrlWbAlraH4z9p0pY5AaSb68YCZU/s1600/IMG_20150416_122129.jpg" height="320" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhYKdTYpiwoG827evD68-zWNlR2yK6dJT1z-YDFoGovS_KGaVKISz-vuFloOpKGmi3DDnuyGBBfX8xx31Q14JboBQrWBAkb7jkBQrfLie4uX48kPfce_EezsT7I2bbdMpvpMKhdxGn2LVA/s1600/IMG_20150416_104628.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhYKdTYpiwoG827evD68-zWNlR2yK6dJT1z-YDFoGovS_KGaVKISz-vuFloOpKGmi3DDnuyGBBfX8xx31Q14JboBQrWBAkb7jkBQrfLie4uX48kPfce_EezsT7I2bbdMpvpMKhdxGn2LVA/s1600/IMG_20150416_104628.jpg" height="320" width="320" /></a></div>
<br />
Outside of London Book Fair, I managed to get into Amir Muhammad's good grace to be brought to meet the people from the Big Bad Wolf, a few od Indonesian filmmakers and we even had dinner with writers Tash Aw, Zen Cho and Lina Tan (a television producer). From Malaysia there were Ling Lung and his wife from Lejen Press with Syafiq, the writer for Ajaib and Awan and Fixi had Ariff Adly, the writer for Kacau and Gelap.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-Kx7M2Yw6BYkjRYKCNf5Jw4lF1hHTfm-EpIQiXvj7GTIlLA0MbeTJlVAYSPaGQBl6t_B9fbM5kvTOzNRKbxqCbwYoX3C2ZBMF88omYm5ijrC_qpq6x4fKbNxNUQjfW2nVTW3bQHHMlfA/s1600/IMG_20150416_213858.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-Kx7M2Yw6BYkjRYKCNf5Jw4lF1hHTfm-EpIQiXvj7GTIlLA0MbeTJlVAYSPaGQBl6t_B9fbM5kvTOzNRKbxqCbwYoX3C2ZBMF88omYm5ijrC_qpq6x4fKbNxNUQjfW2nVTW3bQHHMlfA/s1600/IMG_20150416_213858.jpg" height="320" width="320" /></a></div>
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-MPcxeRyYxuS92iTxNuPcBZTwo79T8LU_UBVL8mDXuwYHVBIY-orbaPuXXdC-pC8qv_Wd_SyNOJsTeIcepwaWNkEhYuQ0gCyPNxEeUR3fWOiCZfn6XIuwSgScUTzmLznyTNl9AS3a_I8/s1600/IMG_20150413_223702.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-MPcxeRyYxuS92iTxNuPcBZTwo79T8LU_UBVL8mDXuwYHVBIY-orbaPuXXdC-pC8qv_Wd_SyNOJsTeIcepwaWNkEhYuQ0gCyPNxEeUR3fWOiCZfn6XIuwSgScUTzmLznyTNl9AS3a_I8/s1600/IMG_20150413_223702.png" height="320" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi1kt9QsBY316VKPvfSNNOwDzatHNk7nuq8wTvWHqrqO_GpCjVlpejjHtlluJVaUF0mCzH9awOc_9k0cwg-5azUC-0ElF49KPajOWsZC3MMW7ePXr9IpQN_v-pFopCwhQtwQOqJ0psBDt4/s1600/IMG_20150414_113838.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi1kt9QsBY316VKPvfSNNOwDzatHNk7nuq8wTvWHqrqO_GpCjVlpejjHtlluJVaUF0mCzH9awOc_9k0cwg-5azUC-0ElF49KPajOWsZC3MMW7ePXr9IpQN_v-pFopCwhQtwQOqJ0psBDt4/s1600/IMG_20150414_113838.jpg" height="320" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGL2axeG5RuFoF2C5mJD0YXJM2Gpdp2TqCmFOWVRu9HzgwS9vwirRsakyGXrgjZb1jXYde5n6k3ia8zFKE7bBO2fpS2dlB6QIJ58nimME1WgB3ujWMRqPcG40rcUuHMTOpVwk3bdUyv8k/s1600/IMG_20150414_104948.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGL2axeG5RuFoF2C5mJD0YXJM2Gpdp2TqCmFOWVRu9HzgwS9vwirRsakyGXrgjZb1jXYde5n6k3ia8zFKE7bBO2fpS2dlB6QIJ58nimME1WgB3ujWMRqPcG40rcUuHMTOpVwk3bdUyv8k/s1600/IMG_20150414_104948.jpg" height="320" width="320" /></a></div>
<br />
Needless to say, the sight, the sound and the experience at the London Book Fair 2015 left me wanting more and I hope I will be back next year.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEieTDm5g8_b4qMuRDtHWV941UNViicB2SQHGo97XIERAVSUij_d3IxzfZCpPZrFrTlPBs7cviQXkfIngfK1tq8FSCSZjezRw8tF1F76mAfXllRR0hKP0HXxHLVwR6TbadiXsZ_F6Em7SE0/s1600/IMG_20150417_114809.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEieTDm5g8_b4qMuRDtHWV941UNViicB2SQHGo97XIERAVSUij_d3IxzfZCpPZrFrTlPBs7cviQXkfIngfK1tq8FSCSZjezRw8tF1F76mAfXllRR0hKP0HXxHLVwR6TbadiXsZ_F6Em7SE0/s1600/IMG_20150417_114809.jpg" height="320" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi82_b4VNHFzYKDr_xIHq6va1OJK6ZuAnSimTSOkfh3tB_VJtw80ctWwnBd1S-YPIHtSl1Qwe_hfbPNU3K1L7DtQo0HY5NsnSyHrUoNAgVjVNj2YlafZeieZOzjcWPadJsubd01zFbGFiY/s1600/IMG_20150417_105917.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi82_b4VNHFzYKDr_xIHq6va1OJK6ZuAnSimTSOkfh3tB_VJtw80ctWwnBd1S-YPIHtSl1Qwe_hfbPNU3K1L7DtQo0HY5NsnSyHrUoNAgVjVNj2YlafZeieZOzjcWPadJsubd01zFbGFiY/s1600/IMG_20150417_105917.jpg" height="320" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj_3kFYjZERYFqTuHoUW0nsSm8fNFnFEzWZApgP00gFfLbBQEyC4j8s57pHfUg_HJedK7FS-Ae-Zg0qPCOLamsQVSVoKDScbnZPrkginbso-x2K1NLRlvJIoMIkdnsQLPeKJAUYFN0uwZ0/s1600/IMG_20150417_103919.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj_3kFYjZERYFqTuHoUW0nsSm8fNFnFEzWZApgP00gFfLbBQEyC4j8s57pHfUg_HJedK7FS-Ae-Zg0qPCOLamsQVSVoKDScbnZPrkginbso-x2K1NLRlvJIoMIkdnsQLPeKJAUYFN0uwZ0/s1600/IMG_20150417_103919.jpg" height="320" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEib_m4BdaKmV6-bMhJ6IrwZ5kO_atkrml7etfKNr3-aOwtUqyFwGOWpe9ouep5pl2xrhqzc9swq7upDpsFqdJInvKppUg9kT8XkDWzRAWvR_a467Ko6iNoDfrEQexcLDwtwZoD-vYRjUB8/s1600/IMG_20150417_115607.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEib_m4BdaKmV6-bMhJ6IrwZ5kO_atkrml7etfKNr3-aOwtUqyFwGOWpe9ouep5pl2xrhqzc9swq7upDpsFqdJInvKppUg9kT8XkDWzRAWvR_a467Ko6iNoDfrEQexcLDwtwZoD-vYRjUB8/s1600/IMG_20150417_115607.jpg" height="320" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxH-7_PrXYuAANUtn_BSRzsEL2djFqo0Pxylm4TlD2TzNmPNksTJ4rRNEIlCVka1Wj71mJNYgciSYTyQuIVM8Nnw5zf65xOCwTsEmHyPYZmZ7NvisjVXwrSgre8neoaktVijA-p7E_0ts/s1600/IMG_20150417_114934.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxH-7_PrXYuAANUtn_BSRzsEL2djFqo0Pxylm4TlD2TzNmPNksTJ4rRNEIlCVka1Wj71mJNYgciSYTyQuIVM8Nnw5zf65xOCwTsEmHyPYZmZ7NvisjVXwrSgre8neoaktVijA-p7E_0ts/s1600/IMG_20150417_114934.jpg" height="320" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi14V9yIVC_KftWZ7sfoa_xj8mrhmOxj_APz6dVMs4YRioJ7ydjoGQSmjke3jiHxrG73UsZ-0Icf4Ud-W__CNA8C1JpYmcNwPlyxuKCa9ELC1RoyN9SQcDw58iwg_oH9bhPW8SxS7IYZ9c/s1600/IMG_20150417_121223.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi14V9yIVC_KftWZ7sfoa_xj8mrhmOxj_APz6dVMs4YRioJ7ydjoGQSmjke3jiHxrG73UsZ-0Icf4Ud-W__CNA8C1JpYmcNwPlyxuKCa9ELC1RoyN9SQcDw58iwg_oH9bhPW8SxS7IYZ9c/s1600/IMG_20150417_121223.jpg" height="320" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
Oh, Amir Muhammad and I did went to the British Library a day after the London Book Fair where we managed to sight the original manuscripts of Hikayat Raja Babi (will be published by Fixi at the Pesta Buku Antarabangsa Kuala Lumpur 2015) and the Magna Carta.</div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com1tag:blogger.com,1999:blog-2989656264827489997.post-83964515571756016472015-03-23T16:48:00.000+08:002015-03-23T16:48:17.230+08:00Pinjam adalah Bestseller 2014 di Pesta Buku Antarabangsa Putrajaya 2015<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiuq_bk9YN4Kkf-8GXpFh9oVCFqDFgqHTspGpEXDMEBH5FGO7FShwFmj9_YdgokGGsv7nRtIHHGc7ZE3rz16L-PL5XQOefwQ0W9hVPgiNoS8BiHyyQe6m5q7W7UDuTPpHZi8Y3W2SPnLYI/s1600/Pinjam+1st+pic+20140314.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiuq_bk9YN4Kkf-8GXpFh9oVCFqDFgqHTspGpEXDMEBH5FGO7FShwFmj9_YdgokGGsv7nRtIHHGc7ZE3rz16L-PL5XQOefwQ0W9hVPgiNoS8BiHyyQe6m5q7W7UDuTPpHZi8Y3W2SPnLYI/s1600/Pinjam+1st+pic+20140314.jpg" height="240" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhc0KO689j5rXm_oy3q9DUxMiKracgPtKNwnNj3-PO_J19-jnZxwj062BAunvwT74V3JCpLNb0SH_5VRGEDUtEQ1_Drmb2Tz4yNbfLUAEk9vxdJglqheiBygQ5N0wWJ6clW6z7KW8OeQwo/s1600/Pinjam+di+Bookerville+PICC.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhc0KO689j5rXm_oy3q9DUxMiKracgPtKNwnNj3-PO_J19-jnZxwj062BAunvwT74V3JCpLNb0SH_5VRGEDUtEQ1_Drmb2Tz4yNbfLUAEk9vxdJglqheiBygQ5N0wWJ6clW6z7KW8OeQwo/s1600/Pinjam+di+Bookerville+PICC.jpg" height="121" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div style="text-align: justify;">
Dengan nama pena 'Anuar Shah', saya telah menulis dua buku. </div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Buku pertama saya, Pinjam telah diterbitkan pada 2014 di Kuala Lumpur Alternative BookFest. Kali pertama saya memegang buku Pinjam adalah ketika saya pergi ke Pesta Buku Antarabangsa Putrajaya di Pusat Konvensyen Antarabangsa Putrajaya. Saya hanya memegangnya tetapi tidak memiliki satu pun buku Pinjam itu sehingga seminggu kemudia di KL Alternatif BookFest 2014, yang kali terakhir diadakan di Annexe Gallery di belakang Pasar Seni Kuala Lumpur.</div>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhdV-4RkjlrLGTzhKLPF1GZYPui_FYRwN475TNa6JR4shEh7xztGyOSoGlMIchdFnc0cYWDSGyaMffV8gtzRXHTUxfDdJCaQsdzKLON-UqTRE_3uEnWFhEz64tmAgUrR0EQQy48BZzf6E/s1600/KAS+dgn+buku+PINJAM+di+Bookerville+22032014.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhdV-4RkjlrLGTzhKLPF1GZYPui_FYRwN475TNa6JR4shEh7xztGyOSoGlMIchdFnc0cYWDSGyaMffV8gtzRXHTUxfDdJCaQsdzKLON-UqTRE_3uEnWFhEz64tmAgUrR0EQQy48BZzf6E/s1600/KAS+dgn+buku+PINJAM+di+Bookerville+22032014.jpg" height="284" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Pegang je, tak boleh nak belek pun sebab penjualnya adalah MPH, bukan Fixi</td></tr>
</tbody></table>
<div style="text-align: justify;">
Tahun 2015, semasa saya sibuk hendak melancakan buku kedua saya dengan Fixi, Pentas, tiba-tiba saya mendapat WhatsApp daripada rakan satu sekolah saya, saudara Zaid, yang tinggal di Putrajaya. Dia telah pergi ke Pesta Buku Antarabangsa Putrajaya beberapa lebih awal daripada masa yang telah ditetapkan untuk saya pergi ke sana. Dia menghantar WhatsApp yang menunjukkan Pinjam adalah Bestseller 2014 di Pesta Buku Antarabangsa Putrajaya itu.</div>
<div style="text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmWVSupPTTHawIPLpoU2ZxkROKylzauCjkL60FI82ZmiOMNBbii77D4mTvOfMEsx9FDWMgsUUlgiRC_hcKIJ7jx5C3bdzwDrala5nOt3GGnr7QW21_TwE4SJXlBdWIzqrW7thaF3ly-FU/s1600/IMG-20150320-WA002.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmWVSupPTTHawIPLpoU2ZxkROKylzauCjkL60FI82ZmiOMNBbii77D4mTvOfMEsx9FDWMgsUUlgiRC_hcKIJ7jx5C3bdzwDrala5nOt3GGnr7QW21_TwE4SJXlBdWIzqrW7thaF3ly-FU/s1600/IMG-20150320-WA002.jpg" height="180" width="320" /></a></div>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEid3Utwhvk7pO_Eus7T1kqyROSPX1lsLfACJ8XghnnWp-NVhS4LYHE9eBgtUId2jSGHd_gvNvTMRslMwSiLl0RCY6mXfoIvleBw-1aGFM50pdNyJGfFsMOA2_wbN_d6BNd7p5-Wv-V91TM/s1600/IMG-20150320-WA003.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEid3Utwhvk7pO_Eus7T1kqyROSPX1lsLfACJ8XghnnWp-NVhS4LYHE9eBgtUId2jSGHd_gvNvTMRslMwSiLl0RCY6mXfoIvleBw-1aGFM50pdNyJGfFsMOA2_wbN_d6BNd7p5-Wv-V91TM/s1600/IMG-20150320-WA003.jpg" height="320" width="180" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Gambar-gambar WhatsApp daripada rakan saya, Zaid</td></tr>
</tbody></table>
<div style="text-align: justify;">
<span style="text-align: left;">Saya menjadi tidak sabar untuk Sabtu, 21hb sampai. Semua yang bakal berlaku pada 21hb Mac 2015 itu telah saya cerita di blogpost </span><a href="http://kruel-legalcat.blogspot.com/2015/03/equinox-book-talk-and-book-launch.html" style="text-align: left;">ini</a><span style="text-align: left;">.</span></div>
<div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
21hb Mac itu, saya telah dijemput sebagai salah seorang daripada penulis-penulis True Wealth, penerbit buku siri <a href="https://www.facebook.com/AskTheLawyer">Ask the Lawyer</a> saya untuk memberi sedikit seminar percuma terutama yang berkaitan dengan buku-buku saya. </div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Saya menjadi lebih teruja untuk ke sana kerana saya ingin melihat sendiri buku saya sebagai Bestseller 2014. Ia menjadi cukup nostalgia kerana itu lah tempat pertama saya melihat buku Pinjam itu sendiri.</div>
<div>
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<iframe width="320" height="266" class="YOUTUBE-iframe-video" data-thumbnail-src="https://i.ytimg.com/vi/Kv3D9M7VEjA/0.jpg" src="http://www.youtube.com/embed/Kv3D9M7VEjA?feature=player_embedded" frameborder="0" allowfullscreen></iframe></div>
<div>
<br /></div>
<div style="text-align: justify;">
Saya menjadi lebih bangga dan berterima kasih kerana staff MPH yang ada mengenali saya dan meminta mengambil gambar dengan saya. Seorang kedengaran berkata "Aku dah cakap, kat Pesta Buku ni kita dapat jumpa ramai orang terkenal."</div>
<div>
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgh_vehA9dxGdXWKVsB_wrE1mcAVBLICtIjZ330us1KJI4WmF4XNSrKhCLv9_H_bJxrXGnNMMOCP95Zd4vOkd6uT9LlAXSSNPNOmoJ1RQcgPxndKMa3isnp5M47BVRO1zPlkPQtIJ0kEOA/s1600/IMG-20150321-WA035.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgh_vehA9dxGdXWKVsB_wrE1mcAVBLICtIjZ330us1KJI4WmF4XNSrKhCLv9_H_bJxrXGnNMMOCP95Zd4vOkd6uT9LlAXSSNPNOmoJ1RQcgPxndKMa3isnp5M47BVRO1zPlkPQtIJ0kEOA/s1600/IMG-20150321-WA035.jpg" height="320" width="180" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Dengan pekerja-pekerja MPH pagi itu</td></tr>
</tbody></table>
<div>
Dalam hati sendiri menyebut "Wah, penulis Fixi dianggap sebagai orang terkenal."</div>
<div>
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLSYVAsg6lloRnDUdk3_TFrqGSoediRy3-_yj-cs8K_qHGuWgl9pcjLzzDzI1JI0kdZPo30aQtL7NeOUhpR-DMr4Zw7KB4lPxOySlrVPdqswGyVl-Y51D-eBb2pK-maBsJ-EDR8_LOMFQ/s1600/IMG_20150321_101636.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLSYVAsg6lloRnDUdk3_TFrqGSoediRy3-_yj-cs8K_qHGuWgl9pcjLzzDzI1JI0kdZPo30aQtL7NeOUhpR-DMr4Zw7KB4lPxOySlrVPdqswGyVl-Y51D-eBb2pK-maBsJ-EDR8_LOMFQ/s1600/IMG_20150321_101636.jpg" height="320" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5sIP2825r0q13IoVV22tnAZ5lmK4MKaeKfEvZRzwk1Ajyi3fZUE0XWEp7QYCIC5IXpMbFPm7ZPMql2U17pheuJhElEukHB4eXz-psFXFSoeWhCbWZ3JGtCPKzwuIpt9bvIl6aUPkKo-w/s1600/IMG-20150321-WA031.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5sIP2825r0q13IoVV22tnAZ5lmK4MKaeKfEvZRzwk1Ajyi3fZUE0XWEp7QYCIC5IXpMbFPm7ZPMql2U17pheuJhElEukHB4eXz-psFXFSoeWhCbWZ3JGtCPKzwuIpt9bvIl6aUPkKo-w/s1600/IMG-20150321-WA031.jpg" height="320" width="180" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div style="text-align: justify;">
<span style="text-align: justify;">Selepas saya habis memberi seminar pendek itu, terjumpa dua rakan se-universiti saya yang berkahwin sesama mereka dengan anak mereka yang sudah boleh dikatakan 'anak dara'. Saya sudah lama tidak berjumpa mereka. Sempat mengambil gambar dan kemudian di dalam group WhatsApp kami rakan saya berkata anaknya telah mengedarkan gambarnya dengan penulis Pinjam kepada kawan-kawannya (walaupun masa berjumpa tak minat untuk saya menandatangani buku Pinjam yang ibu bapanya tawarkan untuk beli untuknya).</span></div>
<div style="text-align: justify;">
<span style="text-align: justify;"><br /></span></div>
<div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgY09q0at5irJq0s-j_ls9EMGST8eUtpp-6Ww3c4iESjNo9Ds5cwtm2j59S4eoErswEkeBHhAqeZLTdzE-_20-fWKZDXaQTgRNZxsS5yR4I5hDDO4jxc4hwlYg3LFVvEYUzjRh7njqabgc/s1600/IMG-20150321-WA019.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgY09q0at5irJq0s-j_ls9EMGST8eUtpp-6Ww3c4iESjNo9Ds5cwtm2j59S4eoErswEkeBHhAqeZLTdzE-_20-fWKZDXaQTgRNZxsS5yR4I5hDDO4jxc4hwlYg3LFVvEYUzjRh7njqabgc/s1600/IMG-20150321-WA019.jpg" height="320" width="180" /></a></div>
<br />
Memang cukup bersyukur dan gembira dengan pencapaian novel sulung saya, Pinjam, itu.<br />
<br />
p/s : Jika minat nak baca Pinjam boleh beli di <a href="http://fixi.com.my/produk/pinjam">website Fixi ini</a> dan jika mahu mengikut perkembangan novel Pinjam dan novel-novel indie oleh Fixi, boleh ikut di <a href="https://www.facebook.com/NovelPinjam">sini</a>. </div>
</div>
</div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-19924110252701981382015-03-20T10:00:00.000+08:002015-03-20T10:00:01.951+08:00Kuala Lumpur Alternative BookFest 2015<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiUPw2pTieiuXySlYCXtVO0x4P9PDNOeOwzy7RCRRnwnBRXHSuv0_4iUwn1AMphwC9EWEorDNZVYZo2s7UsbSHItKdMU13Ifuqk30WrJ_UGMIHXJkMYZT7uCRNLyKA87aT19niCkE0dq1w/s1600/KLAB+2015+FB+poster.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiUPw2pTieiuXySlYCXtVO0x4P9PDNOeOwzy7RCRRnwnBRXHSuv0_4iUwn1AMphwC9EWEorDNZVYZo2s7UsbSHItKdMU13Ifuqk30WrJ_UGMIHXJkMYZT7uCRNLyKA87aT19niCkE0dq1w/s1600/KLAB+2015+FB+poster.jpg" height="200" width="400" /></a></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
It is happening tomorrow and Sunday, 21st and 22nd of March 2015 at Dataran Underground (below Dataran Merdeka).</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
I always have a sentimental attachment to Kuala Lumpur Alternative BookFest. My first novel, Pinjam, was launched there last year and of course, it was the first place it was sold. I have always visited it before I was involved in any direct way with it. Kuala Lumpur Alternative BookFest is always held together with Art for Grabs, which is a flea market for artworks and small time vendor.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Here is a video of the launch of Pinjam last year where Amir Muhammad, the owner of Fixi interviewed me.</div>
<div style="text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<iframe width="320" height="266" class="YOUTUBE-iframe-video" data-thumbnail-src="https://i.ytimg.com/vi/Kv3D9M7VEjA/0.jpg" src="http://www.youtube.com/embed/Kv3D9M7VEjA?feature=player_embedded" frameborder="0" allowfullscreen></iframe></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
It was always been held at the Central Market Annexe Gallery which made it even more nostalgic for me as Central Market was the place I lepak when I was in high school. Not that I was schooling anywhere near Central Market or Kuala Lumpur for that matter (My boarding school was in Labu, Negeri Sembilan), but it was where we, non KL-ites followed our brethen from KL when we alighted from the Seremban-Kuala Lumpur Ekspress. Yes, Central Market was the place I remember well.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Annexe Gallery, a building behind Central Market was one of the first cineplex in Kuala Lumpur. This was before cineplexes are a norm like nowadays. We were quite jakun seeing a cinema with multiple screen. I was from the generation where we went to one cinema to see one movie. The joke among my younger friends is I am so old I watched Superman (with Christopher Reeves) and Star Wars in cinema. Even when I said I watched the first Die Hard in cinema they had a laughing fit.</div>
<div style="text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVAmfYcppdiOWzGmzz1t0iSGiu9pz_mhGd3MOGvsCz9cg5VPaveuVzVh6MKrhlQsBXX5i5WoONBzR-0TuMwszkhExSNHDYtcVOiJvLC4BjaXiUJ-soSagK3q3N_yJAoHhxXrQfxz540zo/s1600/Signing+a+book.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVAmfYcppdiOWzGmzz1t0iSGiu9pz_mhGd3MOGvsCz9cg5VPaveuVzVh6MKrhlQsBXX5i5WoONBzR-0TuMwszkhExSNHDYtcVOiJvLC4BjaXiUJ-soSagK3q3N_yJAoHhxXrQfxz540zo/s1600/Signing+a+book.jpg" height="320" width="180" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicuqdGUqWO9MzVieXTz134E4rnlGVl-QEinMCSfyKLVILeMZ5LWj1Bj4BWTeOQ12fGx3e-YCfrndGY9IFmxXowTdeSPBVYxVeKbyzEyR8FjozhFkb20M_L8NephUm71UBjDEFkoJCZAJ4/s1600/Signing+a+book+2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicuqdGUqWO9MzVieXTz134E4rnlGVl-QEinMCSfyKLVILeMZ5LWj1Bj4BWTeOQ12fGx3e-YCfrndGY9IFmxXowTdeSPBVYxVeKbyzEyR8FjozhFkb20M_L8NephUm71UBjDEFkoJCZAJ4/s1600/Signing+a+book+2.jpg" height="320" width="180" /></a></div>
<br />
<div style="text-align: justify;">
Anyway, this year, my second book will be out (it is sold as eBook since Friday the13th of March - I asked specifically for that date) and the printed version will be sold today, Friday, 20th March 2015). For the eBook, it can be bought here :</div>
<br />
<div style="text-align: justify;">
<span style="background-color: white; color: #141823; font-family: Helvetica, Arial, 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 14px; line-height: 19.3199996948242px;">1) </span><a href="https://play.google.com/st%E2%80%A6/books/details/Anuar_Shah_PENTAS%E2%80%A6">Pinjam in Google Playstore</a></div>
<span style="background-color: white; color: #141823; font-family: Helvetica, Arial, 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 14px; line-height: 19.3199996948242px;"><div style="text-align: justify;">
<span style="line-height: 19.3199996948242px;">2) </span><a href="http://l.facebook.com/l.php?u=http%3A%2F%2Fwww.kakibuku.my%2Fbook%3Fid%3D686&h=HAQFcXFJc&enc=AZMjbAqwMFGwbCzVcDlMVyV5Iwlx85u5pCUWCJiJ8bK-CcenDpAtpOq_SOo9WHsyhdgGAxJKXXuRfFAPziunj8s6AqgFbRVLgyNCwIqMBOrRZfk5rAp85e9wlCtO-kOnw7W5GX6u2huIxEoP6IpYYuR8WiMVq7tw3PXQwQ59iuG5RA&s=1" rel="nofollow" style="color: #3b5998; cursor: pointer; line-height: 19.3199996948242px; text-decoration: none;" target="_blank">Kaki Buku (AppStore) Link</a></div>
</span><span style="background-color: white; color: #141823; font-family: Helvetica, Arial, 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 14px; line-height: 19.3199996948242px;"><div style="text-align: justify;">
<span style="line-height: 19.3199996948242px;">3) </span><span style="background-color: transparent; color: #3b5998; font-family: Helvetica, Arial, lucida grande, tahoma, verdana, arial, sans-serif;"><span style="cursor: pointer; line-height: 19.3199996948242px;"><a href="http://m.e-sentral.com/search/byid/49967">E-Sentral link</a></span></span></div>
</span><span class="text_exposed_show" style="background-color: white; color: #141823; display: inline; font-family: Helvetica, Arial, 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 14px; line-height: 19.3199996948242px;"><div style="text-align: justify;">
<span style="line-height: 19.3199996948242px;">4) </span><a href="http://bachabooku.com/bookinfo.aspx%E2%80%A6" style="line-height: 19.3199996948242px;">Bachabooku Link</a></div>
</span><br />
<div style="text-align: justify;">
The printed version can be bought at most major bookstores within a week and can be ordered at <a href="http://www.fixi.com.my/">Fixi's website</a>. And of course, at the Kuala Lumpur Alternative BookFest 2015.</div>
<div style="text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEguH4Qgdm2zT82EFaD0sYFQsBvMJ9svL61asgYsiOpR-zrms9BJjsQlTIMjlei4525QEY4A4VpX1lDv5f0t5cutD3eFAc6Z72fsVdA1-1dtoLnEs17XdNPMq-IYDEFYlfEXFdJz3yVfaS0/s1600/Cover+Pentas.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEguH4Qgdm2zT82EFaD0sYFQsBvMJ9svL61asgYsiOpR-zrms9BJjsQlTIMjlei4525QEY4A4VpX1lDv5f0t5cutD3eFAc6Z72fsVdA1-1dtoLnEs17XdNPMq-IYDEFYlfEXFdJz3yVfaS0/s1600/Cover+Pentas.jpg" height="227" width="320" /></a></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Pentas is about magic and 'real' magic. It is based on some story found in the Quran and how the magicians were judged when an incident happened on stage while they were performing. It refers to so many well-known magician including Houdini, David Copperfield and even the street magicians who are quite popular today. It has a bit of courtroom drama at the end and in true Fixi's books form, it has a twist.</div>
<div style="text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg94c0wuuBk0Uq2pc6jEAdzTKvVrBTd8fHBfnsypQkVgxjtRl23MS9yxds0cm9PwLrFLI3A1Qyv0jWUe8JIgJDnMfnC1RsTy7-gJR7txG-fY9qKtgRi4z7MRv6bK3DuspsFDbj5gzldkag/s1600/Quote+pentas+(org%2Byg%2Bdiadili).jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg94c0wuuBk0Uq2pc6jEAdzTKvVrBTd8fHBfnsypQkVgxjtRl23MS9yxds0cm9PwLrFLI3A1Qyv0jWUe8JIgJDnMfnC1RsTy7-gJR7txG-fY9qKtgRi4z7MRv6bK3DuspsFDbj5gzldkag/s1600/Quote+pentas+(org%2Byg%2Bdiadili).jpg" height="320" width="317" /></a></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
This time around, Kuala Lumpur Alternative BookFest will be held at a new venue. It will be at Dataran Underground which is an event space under Dataran Merdeka, the place facing an iconic building no one shouldn't know if you are Malaysian or if you ever been to Malaysia. It has a nostalgic connection to me too, but enough of that. This place will be featured in my next novel, Persona, which I need to finish writing first.</div>
<div style="text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEioXjhwL0kKydMy_Gdfkd_-36n6l87je8KrEscukEj0J280pgWa_35eGYB5rGhUlLNZbRUaxXfl5bWRB2XvXYi9jjuOPfJBX1rpAyfW-O3g47UZpXkAG0fpXPxGUJqg8ZnOSPupkUkd_e4/s1600/Pentas+launch+poster+at+KLAB+2015.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEioXjhwL0kKydMy_Gdfkd_-36n6l87je8KrEscukEj0J280pgWa_35eGYB5rGhUlLNZbRUaxXfl5bWRB2XvXYi9jjuOPfJBX1rpAyfW-O3g47UZpXkAG0fpXPxGUJqg8ZnOSPupkUkd_e4/s1600/Pentas+launch+poster+at+KLAB+2015.jpg" height="320" width="320" /></a></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Come over to Kuala Lumpur Alternative Book Fair and here are some links for you to check out in order for you to get an idea what it is all about.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Kuala Lumpur Alternative BookFest 2015 reviewed in <a href="http://www.thestar.com.my/Lifestyle/Entertainment/Arts/Frame-Up/2015/03/18/Art-For-Grabs-KL-Alternative-Book-Fair-go-underground/">the Star</a> and <a href="http://poskod.my/street-notes/kl-alternative-bookfest-2015/">Poskod.my</a>. Both listed full schedule of the BookFest.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Here are some other events you can find at KL Alternative BookFest 2015. Fellow alumnus of my high school, Nasron Yassin is launching his Karya Agong, released by Dubook Press, at 3.30pm the same day.</div>
<div style="text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiNBuIdasLVVbQDtiCorSxVTUyaVtVs3BVoqSUZ0pkuQJa364_REduKwWTKnWvstMR5VlKIkTmiyrKvEv9l9mEZugD23lan3KTq2Li-qeOJ_D4xyxmnHgC8GMhjFDsFx3Mrs0s6gDhVNnc/s1600/Dubook+launch+poster+3.30pm.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiNBuIdasLVVbQDtiCorSxVTUyaVtVs3BVoqSUZ0pkuQJa364_REduKwWTKnWvstMR5VlKIkTmiyrKvEv9l9mEZugD23lan3KTq2Li-qeOJ_D4xyxmnHgC8GMhjFDsFx3Mrs0s6gDhVNnc/s1600/Dubook+launch+poster+3.30pm.jpg" height="320" width="226" /></a></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Here's another event by Fixi much earlier at 12 noon (quite interesting but I can't be there as I am in Putrajaya Book Fair)</div>
<div style="text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjgUdg-ryuvGzgoIsD7gSMRECDbcdcPy44r1mSdhvGZRV8DmxTyjbQB-ushgflgzI1x5WBeQIRT2hyXV-yYESPfQT_-JSgoqWwcQH4y0bSK0-eeQTy1122oJsz2Gh877fKvbd06fM7oZU8/s1600/Hikayat+Raja+Babi+bacaan+ramai+KLAB+2015.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjgUdg-ryuvGzgoIsD7gSMRECDbcdcPy44r1mSdhvGZRV8DmxTyjbQB-ushgflgzI1x5WBeQIRT2hyXV-yYESPfQT_-JSgoqWwcQH4y0bSK0-eeQTy1122oJsz2Gh877fKvbd06fM7oZU8/s1600/Hikayat+Raja+Babi+bacaan+ramai+KLAB+2015.jpg" height="320" width="320" /></a></div>
<div style="text-align: justify;">
Check out their Facebook event page <a href="https://www.facebook.com/events/1453059811601353/">here</a>. </div>
</div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-39979938532370439872015-03-18T08:00:00.000+08:002015-03-18T14:36:04.007+08:00Equinox, Book Talk and Book Launch<div dir="ltr" style="text-align: left;" trbidi="on">
Who else sells book if not the author?<br />
<br />
That's what I have been told long ago when I wanted to write.<br />
<br />
On 21st of March 2015, the day of the equinox (the phenomena when the sun is exactly on the equator) and which is expected to be scorching hot unlike any other (for that, please drink lots of water), I will be at two places (at different times, of course) and will be promoting my books. Two different books from two different genre. I am hoping to pull it off by having a change of clothes in between.<br />
<br />
Hey, if all those American artistes and even Malaysian artistes can change their clothes in the middle of their show, why not me.<br />
<br />
My first event will be at 11am on that fine 21st March morning at Putrajaya International Convention Center, where BookerVille, Facstory, Putrajaya International Book Fair 2015 under the MPH Bookstore. Click <a href="http://www.mphonline.com/offers/pibf.aspx">here</a> for more details.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgcDG1ubJAfycYs_guqZfglXDJ3LifOlAj1LGXKMhdBRjx2j8ltpptDYRIL5YEpqyDRxg0NFcsl81Z5I5pV1OJlJAh333Rk2MMynPk4Zw6iIlynqZa_roH3iamGESKTZZt6HJDJfuml_iw/s1600/Bookerville+2015.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgcDG1ubJAfycYs_guqZfglXDJ3LifOlAj1LGXKMhdBRjx2j8ltpptDYRIL5YEpqyDRxg0NFcsl81Z5I5pV1OJlJAh333Rk2MMynPk4Zw6iIlynqZa_roH3iamGESKTZZt6HJDJfuml_iw/s1600/Bookerville+2015.jpg" height="219" width="320" /></a></div>
Other than me, here are the full schedule of speakers from my property book's publisher, including Azizi Ali :<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiMPnsSUsdREax4GAKOG3UGWCX63IzATzNQW7ErsUOwnv0pOLvgHq1dGqpEna_XTvk3OLjrDKhM6DFx0I2EJ9E1BoGj93sb0DHOxWk1avr-m2_s4ZL96ETJ_8oQ_hAaUX9bR5BT-Py44X8/s1600/Bookerville+poster+for+True+Wealth+authors.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiMPnsSUsdREax4GAKOG3UGWCX63IzATzNQW7ErsUOwnv0pOLvgHq1dGqpEna_XTvk3OLjrDKhM6DFx0I2EJ9E1BoGj93sb0DHOxWk1avr-m2_s4ZL96ETJ_8oQ_hAaUX9bR5BT-Py44X8/s1600/Bookerville+poster+for+True+Wealth+authors.jpg" height="320" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: justify;">
17 Mac 2015 (Selasa) 4 ptg-4.45 ptg</div>
Jamilah Samian - Pelancaran Buku 'Ajaibnya Kebaikan'<br />
<div class="separator" style="clear: both; text-align: justify;">
</div>
<div class="separator" style="clear: both; text-align: justify;">
18 Mac 2015 (Rabu) 4 ptg-4.45 ptg</div>
Zamri Aminuddin - Rahsia Menjadi Jurujual Berjaya<br />
<div class="separator" style="clear: both; text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: justify;">
19 Mac 2015 (Khamis) 4 ptg-4.45 ptg</div>
<div class="separator" style="clear: both; text-align: justify;">
Zaid Mohamad - Strategi 7S : Ibubapa Bijak, Anak Hebat</div>
<div class="separator" style="clear: both; text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: justify;">
20 Mac 2015 (Jumaat) 11 pg-11.45 pg</div>
<div class="separator" style="clear: both; text-align: justify;">
Dr Noor Hayati - Rahsia Menulis Buku Bestseller</div>
<div class="separator" style="clear: both; text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: justify;">
21 Mac 2015 (Sabtu) 11 pg-11.45 pg</div>
Khairul Anuar - Tanya Peguam Anda! - Apa Yang Anda Patut Tanya Peguam Anda Sebelum Membeli Rumah Di Malaysia<br />
<div class="separator" style="clear: both; text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiNVU9aje0-CHEVi8naFGTbO9_TiHmc_lyuZW3ShURl1m23iqZ9QkD5ogApSZYCKJURSU0hgwc3tvwgNMvq6TuGeGXt1yRDwd9FiUCvrVgE0uMdUVMTkcrEVs4y75Htv3P6WUhszlsidfQ/s1600/Book+cover+BM.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiNVU9aje0-CHEVi8naFGTbO9_TiHmc_lyuZW3ShURl1m23iqZ9QkD5ogApSZYCKJURSU0hgwc3tvwgNMvq6TuGeGXt1yRDwd9FiUCvrVgE0uMdUVMTkcrEVs4y75Htv3P6WUhszlsidfQ/s1600/Book+cover+BM.gif" height="320" width="276" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
<span style="text-align: justify;">21 Mac 2015 (Sabtu) 1 ptg-1.45 ptg</span><br />
<div class="separator" style="clear: both; text-align: justify;">
Azizi Ali - Mencipta SPP (Sumber Pendapatan Pelbagai)</div>
<div class="separator" style="clear: both; text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: justify;">
22 Mac 2015 (Ahad) 11 pg-11.45pg</div>
Norsa'adah Ahmad - Bicara GST - GST Dari Perspektif Peniaga & Pengguna<br />
<div class="separator" style="clear: both; text-align: justify;">
22 Mac 2015 (Ahad) 1 ptg-1.45 ptg</div>
Azizi Ali - Bagaimana Melindungi Diri Anda Daripada 'Scam'<br />
<div class="separator" style="clear: both; text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: justify;">
Although I am listed to speak in Bahasa Malaysia as most of my books are in English, I will be using more Manglish than anything, depending on the crowd.</div>
<div class="separator" style="clear: both; text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: justify;">
Follow my updates on my Ask the Lawyer series in my Facebook page <a href="https://www.facebook.com/AskTheLawyer">here</a>. My Ask the Lawyer series can be bought at bookstores across Malaysia or buy it online at <a href="http://www.bookplanet.com.my/index.php?category_id=0&search=40&submit_search=&sub_category=1&route=product%2Fsearch&sub_category=true&description=true">Bookplanet.com.my</a>. All my books (and other books ) at Book Planet are being sold at a discount due the new revamped Book Planet website until 23rd March 2015. </div>
<div class="separator" style="clear: both; text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEguYD_MWshZwVtq2ieK5j_Dbwj_E-RANAhS71eB1PFJuMSPAtjF9mr1JjfivTb3_qTDiRQUDkTKSCny7gFq60ZDjKtNzKnX0sMY-V0bKhQOOhjJXWCRilmfw2NSbEKPXZlmDAJVXxiuCB0/s1600/All+Ask+the+Lawyer+books.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEguYD_MWshZwVtq2ieK5j_Dbwj_E-RANAhS71eB1PFJuMSPAtjF9mr1JjfivTb3_qTDiRQUDkTKSCny7gFq60ZDjKtNzKnX0sMY-V0bKhQOOhjJXWCRilmfw2NSbEKPXZlmDAJVXxiuCB0/s1600/All+Ask+the+Lawyer+books.jpg" height="320" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: justify;">
At 5.30pm, on the same day, I will be heading to Dataran Underground, the active-again below-ground space under Dataran Merdeka, where the KL Alternative BookFest 2015 is going to be held.</div>
<div class="separator" style="clear: both; text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: justify;">
There, I will launch my new Fixi book, PENTAS.</div>
<div class="separator" style="clear: both; text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRFPOciGzKxftkUjxrQD8bupX0u6L7Mb_J1fxLSrvzpS0-u1rjkGOoeqWCSPMrEMdjdQUrT_Wn1tM5i2Xbd8vadxzrS9Lk92spAbofJoOesqyBqCkBkCvX8GzTlIOxUfjmZvx9H3osMoM/s1600/Pentas+launch+poster+at+KLAB+2015.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRFPOciGzKxftkUjxrQD8bupX0u6L7Mb_J1fxLSrvzpS0-u1rjkGOoeqWCSPMrEMdjdQUrT_Wn1tM5i2Xbd8vadxzrS9Lk92spAbofJoOesqyBqCkBkCvX8GzTlIOxUfjmZvx9H3osMoM/s1600/Pentas+launch+poster+at+KLAB+2015.jpg" height="320" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIOxjbnFUBPPNXcMEo8XlEYlg5Gls4-LUK9Z_PtsLcsySBsTl16Brtw-gqMRm-IJ5XXYdKgIy6khRKQb9QcW43XcpQxL51sLt1roAF-wR4LfdaRzGDgjxosM5zsfi7PaSUqUUqiP5QF-c/s1600/Cover+Pentas.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIOxjbnFUBPPNXcMEo8XlEYlg5Gls4-LUK9Z_PtsLcsySBsTl16Brtw-gqMRm-IJ5XXYdKgIy6khRKQb9QcW43XcpQxL51sLt1roAF-wR4LfdaRzGDgjxosM5zsfi7PaSUqUUqiP5QF-c/s1600/Cover+Pentas.jpg" height="227" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: justify;">
What I would like to do is to invite EVERYONE that is reading this to come see me either to hear me talk (for free) or buy my book(s) or just hang out at these awesome places/events. If you are around and see me, pictures below, at least introduce yourself and say hi...</div>
<div class="separator" style="clear: both; text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhl-OlaAJg8CeixxIgOMV-7QcbemhOt45XQWb5tSxwkcNUhiosLqDbipoVRyo1NNyvTnacQjRnnvCKY4BtwRxmEsCCgfa10l2XNMgKyhJC_xkw_ialCROaypqcKZlhyyPpyvo0PPcJELAU/s1600/Holding+Pinjam+side+pose.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhl-OlaAJg8CeixxIgOMV-7QcbemhOt45XQWb5tSxwkcNUhiosLqDbipoVRyo1NNyvTnacQjRnnvCKY4BtwRxmEsCCgfa10l2XNMgKyhJC_xkw_ialCROaypqcKZlhyyPpyvo0PPcJELAU/s1600/Holding+Pinjam+side+pose.jpg" height="320" width="202" /></a></div>
<div class="separator" style="clear: both; text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: justify;">
Follow me on my Facebook page for Pinjam (my first book with Fixi) <a href="https://www.facebook.com/NovelPinjam">here</a>. My Fixi books can be bought at <a href="http://www.fixi.com.my/">Fixi's website</a>.</div>
</div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-11035662389882266972015-03-13T12:17:00.000+08:002015-03-13T12:17:29.403+08:00PENTAS, my new fiction book with Fixi is out!<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="text-align: justify;">
I may have never announced it in this blog or most of my professional-related channel. </div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
As a lawyer who owns a legal firm, telling the world I am writing Bahasa Malaysia novels for an imprint such as Fixi, which is known to sell edgy, uncensored, witchcraft-laden, mind-fuck, transgender-friendly, adultery, fill-with-murders, science-fiction books unlike the at-least-200,000 copies love story cum religious-undertone type of stories sought by most Malaysians, may not be a good idea.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
So, although I have a nearly-one-year book with Fixi, Pinjam, I never really promoted it here. Here is Pinjam's cover :</div>
<div style="text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtMqj27qvTpU0H_xcHa2AXLuLJfQ6Qq0wlZNSZWKdEGsI0svBZHZgI7tPZ5SmVpZscL6swEbPgoMKMIATqhP22rXa5IgQyfG1f4m5opOIB4kwKOwlKArocMfsb_azSLNSxGEymOdATfKw/s1600/Cover+Pinjam.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtMqj27qvTpU0H_xcHa2AXLuLJfQ6Qq0wlZNSZWKdEGsI0svBZHZgI7tPZ5SmVpZscL6swEbPgoMKMIATqhP22rXa5IgQyfG1f4m5opOIB4kwKOwlKArocMfsb_azSLNSxGEymOdATfKw/s1600/Cover+Pinjam.jpg" height="234" width="320" /></a></div>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjz0LE-7xjXr1oIG-xSk2XFIPXs4xhUHim4YbjcVLo897Q8n6gjWapB8BdXXEiR_MqFgrPiZ8PLyuGIaZaYMGfvAOuQB7Fk7OUQhCj-lIiJ-iTxOPmd6NR3A3QsHyLTflwHSdvxdE91mYU/s1600/KAS+dgn+buku+PINJAM+di+Bookerville+22032014.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjz0LE-7xjXr1oIG-xSk2XFIPXs4xhUHim4YbjcVLo897Q8n6gjWapB8BdXXEiR_MqFgrPiZ8PLyuGIaZaYMGfvAOuQB7Fk7OUQhCj-lIiJ-iTxOPmd6NR3A3QsHyLTflwHSdvxdE91mYU/s1600/KAS+dgn+buku+PINJAM+di+Bookerville+22032014.jpg" height="284" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Me holding Pinjam for the first time at Bookerville, Putrajaya Book Fair 2014 on 21st March last year</td></tr>
</tbody></table>
<div style="text-align: justify;">
Pinjam is now in its fifth print run and is selling quite well.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
So, today, on the second Friday the 13th of 2015 (there was one in February), the eBook of my second fiction book, Pentas is out and can be bought at <a href="https://play.google.com/store/books/details/Anuar_Shah_PENTAS?id=MPIGBwAAQBAJ">Google Playstore</a>, <a href="http://www.kakibuku.my/book?id=686">Kaki Buku (Appstore)</a>,<a href="http://m.e-sentral.com/search/byid/49967"> E-Sentral</a> and <a href="http://bachabooku.com/bookinfo.aspx?pid=9f265405-f0b7-497e-9d84-60061a6e13da">Bachabooku</a>.It is priced at RM9.90 as an eBook.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
It will be released as a physical book next week on 20th March.</div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgR-WaQ86fao3ESwqSpPetzpc2dnhiLmJAFz-yF0rMu9psyyuaLzsZx3b3tSShg-JUj4gychRKCquQzOjriCkLgV8dLPz6fqBFahhIvdtg9duk68lBNoCG4oARdIWzbVDv7eVe3f2GAc1A/s1600/Cover+Pentas.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgR-WaQ86fao3ESwqSpPetzpc2dnhiLmJAFz-yF0rMu9psyyuaLzsZx3b3tSShg-JUj4gychRKCquQzOjriCkLgV8dLPz6fqBFahhIvdtg9duk68lBNoCG4oARdIWzbVDv7eVe3f2GAc1A/s1600/Cover+Pentas.jpg" height="227" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
<div style="text-align: justify;">
Pentas' release was delayed because of certain objectional content in it but all is good now.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
There will be a launch event on 21st March 2015 at Dataran Underground with Pentas being one of the other 2 novels by Fixi launched that day. Do come over to buy, talk to me or just hang out.</div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQ36JS3uPTycrdTShFoe_TFXtzH7BmG7bAZtHZz0c5yNOkuoEZXMNDd_-A1pf6ompmM056jTnwWYac_RwIcK3hgvFIpf0zWsFw-1fBiYBl6SfQqwkWaXttHBA6j1WWQxozzGwJiM5OzKQ/s1600/Pentas+launch+poster+at+KLAB+2015.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQ36JS3uPTycrdTShFoe_TFXtzH7BmG7bAZtHZz0c5yNOkuoEZXMNDd_-A1pf6ompmM056jTnwWYac_RwIcK3hgvFIpf0zWsFw-1fBiYBl6SfQqwkWaXttHBA6j1WWQxozzGwJiM5OzKQ/s1600/Pentas+launch+poster+at+KLAB+2015.jpg" height="320" width="320" /></a></div>
<br /></div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-43622565997919186832015-03-12T14:04:00.000+08:002015-03-12T14:05:34.905+08:0040 Questions You Should Ask Your Lawyer Before Applying Housing Loan in Malaysia<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxEZjCl-ljD2jOxkeqw7G27T5dOs4J0Lrkik-c1nwMDu7FVaUoClTLqqYR7jI4Yu0_IP2KC6GPzlf3FHwOreBUppp-KTvI_0zmtHLAA0XK1rz7fTIL-Aypxky5qWNZUeNkEDlaxBV1DnI/s1600/Front+cover+40+Q+Housing+Loan.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxEZjCl-ljD2jOxkeqw7G27T5dOs4J0Lrkik-c1nwMDu7FVaUoClTLqqYR7jI4Yu0_IP2KC6GPzlf3FHwOreBUppp-KTvI_0zmtHLAA0XK1rz7fTIL-Aypxky5qWNZUeNkEDlaxBV1DnI/s1600/Front+cover+40+Q+Housing+Loan.jpg" height="320" width="247" /></a></div>
<br />
This book of mine is already out in bookstores across Malaysia and can be bought online at my publisher's website since December 2014. My publisher's website can be access here : <a href="http://www.bookplanet.com.my/">Book Planet.com.my</a><br />
<br />
This book is the continuation of my other books : 40 Questions You Should Ask Your Lawyer Before Buying A Residential Property in Malaysia, published in 2010; and 40 Questions You Should Ask Your Lawyer Before Buying A Residential Property in Malaysia, published in 2013.<br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFY-JgblEnCBn-2cUI2zlMia1snwFt5yBJ9QsW3r2bdWgiJJOn7u11f4X9uY8m_geoxSE5DJlK0aNcTITOS7-bLgjo2QI3ScIQNv6o8CahpqQ4JczipHdjvMNsPVdQtJgtfsFhjmd2VE0/s1600/All+Ask+the+Lawyer+books.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFY-JgblEnCBn-2cUI2zlMia1snwFt5yBJ9QsW3r2bdWgiJJOn7u11f4X9uY8m_geoxSE5DJlK0aNcTITOS7-bLgjo2QI3ScIQNv6o8CahpqQ4JczipHdjvMNsPVdQtJgtfsFhjmd2VE0/s1600/All+Ask+the+Lawyer+books.jpg" height="320" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">All the Ask the Lawyer series books</td></tr>
</tbody></table>
<br />
I also have the books in Bahasa Malaysia with 40 Soalan Yang Anda Patut Tanya Peguam Anda Sebelum Membeli Rumah di Malaysia being sold as a physical book since 2011 and 40 Lagi Soalan Yang Anda Patut Peguam Anda Sebelum Membeli Rumah di Malaysia sold as eBook. The link to my eBook is aptly named Lawyer Hartanah (Property Lawyer) and can be access here : <a href="http://lawyerhartanah.com/">Lawyerhartanah.com</a>.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhP_f_YOqpeZvZo0WRRPAiq5Sm7hxdsYHTvqeJO8qQzGU3eeCrENBn59EucDziUsugrNAeRtG-_Lb_WaxrfsNtI06J9w2onrMq1lvwlZVqLULIbwI1mE6KFbXpEotIFHndIUmIeKQaDvMw/s1600/Ebook-1+(Lawyer%2BHartanah).png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhP_f_YOqpeZvZo0WRRPAiq5Sm7hxdsYHTvqeJO8qQzGU3eeCrENBn59EucDziUsugrNAeRtG-_Lb_WaxrfsNtI06J9w2onrMq1lvwlZVqLULIbwI1mE6KFbXpEotIFHndIUmIeKQaDvMw/s1600/Ebook-1+(Lawyer%2BHartanah).png" height="320" width="261" /></a></div>
<br />
I am currently writing the Bahasa Malaysia equivalent for 40 Questions You Should Ask Your Lawyer Before Applying Housing Loan in Malaysia named 40 Soalan Yang Anda Patut Tanya Peguam Anda Sebelum Memohon Pinjaman Perumahan di Malaysia which will be released soon.<br />
<br />
Here are some previews of the book :<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjNOVN3VdjDzQTwxFZwsL5L5V3P6p2yhI5NpFt2WsCmL90EFi0vsJ9tN5YSL-XfOHB1CuBpxk7rQY3rCJXfN7CqLxew-5oNOCaPlqv9KjbyPYtupTvq5bdEEsO8ppdSKm263G6HoZkG4-w/s1600/Question+4.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjNOVN3VdjDzQTwxFZwsL5L5V3P6p2yhI5NpFt2WsCmL90EFi0vsJ9tN5YSL-XfOHB1CuBpxk7rQY3rCJXfN7CqLxew-5oNOCaPlqv9KjbyPYtupTvq5bdEEsO8ppdSKm263G6HoZkG4-w/s1600/Question+4.jpg" height="320" width="224" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIbl4wE-8Jn3PFX74kzdqL-zfVvb9GJHL2rwaX4BDJgaWq_CVzuv1_X_sADCo_i_ip7IOd2oNkpjcavJDAZ5DkFf9WHBUPe-Rm8Yzk6RsEwDyKaETk9eMhtmRq5PtgWKkaDb8Y33s1N3I/s1600/Content+1st+page.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIbl4wE-8Jn3PFX74kzdqL-zfVvb9GJHL2rwaX4BDJgaWq_CVzuv1_X_sADCo_i_ip7IOd2oNkpjcavJDAZ5DkFf9WHBUPe-Rm8Yzk6RsEwDyKaETk9eMhtmRq5PtgWKkaDb8Y33s1N3I/s1600/Content+1st+page.jpg" height="320" width="224" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidVeYK8SdK9mLIToRXsqoRgG7LLLeFih53X4D1dEInomfn12uJnQpBCReoECGpT_wlWtRM7_OCy9TI0ZUduRwQZJcnyk7_WTfZ1lmw_yilge-JaxFKATNQTeu_FYAYpds5pcg3Oj_ThI8/s1600/Content+2nd+page.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidVeYK8SdK9mLIToRXsqoRgG7LLLeFih53X4D1dEInomfn12uJnQpBCReoECGpT_wlWtRM7_OCy9TI0ZUduRwQZJcnyk7_WTfZ1lmw_yilge-JaxFKATNQTeu_FYAYpds5pcg3Oj_ThI8/s1600/Content+2nd+page.jpg" height="320" width="228" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjW4zTDvKGU_V9dy24703dycSUj3-8BRPlU2Go3OmSJaRtOT5MsdcvAR73QRg2Fw7Oaug7w74ISL5UNNPUT_xjOSnwA7JFlUQVf39953AWqRLehhafUG_U5aa5OJ5m0TETWs03sP2twZtg/s1600/Content+3rd+page.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjW4zTDvKGU_V9dy24703dycSUj3-8BRPlU2Go3OmSJaRtOT5MsdcvAR73QRg2Fw7Oaug7w74ISL5UNNPUT_xjOSnwA7JFlUQVf39953AWqRLehhafUG_U5aa5OJ5m0TETWs03sP2twZtg/s1600/Content+3rd+page.jpg" height="320" width="225" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjdSbmxiOODwoQxcD7Ys6b7f1x4koA2lhhCafwanzKTsH_Zo8CIlA4JOSZbosYb01yYecR_meXMhmCclFnG8yMavmBm91FVwtsUa8N7-1Xif9jlCX81UlmJ0Bk__AeYp2etLIMPDlgRGk4/s1600/Question+1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjdSbmxiOODwoQxcD7Ys6b7f1x4koA2lhhCafwanzKTsH_Zo8CIlA4JOSZbosYb01yYecR_meXMhmCclFnG8yMavmBm91FVwtsUa8N7-1Xif9jlCX81UlmJ0Bk__AeYp2etLIMPDlgRGk4/s1600/Question+1.jpg" height="320" width="225" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKtjmJVM2g6oo8iV9bGhNMXZ9LtzxV__Y-R8R1m5G4oRImcFXpKJA6hn-niqJE8tcrtd6qT6NbCyv2ojRzoOjBPTlHUB2AFcpPkh1bQrtqsKh1oCTPBEZvTdg5_lTVM4RXUdRJ537a7v4/s1600/Question+2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKtjmJVM2g6oo8iV9bGhNMXZ9LtzxV__Y-R8R1m5G4oRImcFXpKJA6hn-niqJE8tcrtd6qT6NbCyv2ojRzoOjBPTlHUB2AFcpPkh1bQrtqsKh1oCTPBEZvTdg5_lTVM4RXUdRJ537a7v4/s1600/Question+2.jpg" height="320" width="224" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVjaBycIOwQBmPKRb2MUoXD0JSLDwKe21cWJT7kBPQ-RR9a9fBsB-RqxtucIG08k1ATvsKbJVGGlXLuQQm3sF-qgtS4Eq1ZNCfWo53y3lxKA4LCrGzm9DEsCPwtAn9j-O49gLKdwYkEhA/s1600/Question+3.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVjaBycIOwQBmPKRb2MUoXD0JSLDwKe21cWJT7kBPQ-RR9a9fBsB-RqxtucIG08k1ATvsKbJVGGlXLuQQm3sF-qgtS4Eq1ZNCfWo53y3lxKA4LCrGzm9DEsCPwtAn9j-O49gLKdwYkEhA/s1600/Question+3.jpg" height="320" width="226" /></a></div>
<br />
<br />
<br />
<br /></div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-80706217271285506612015-03-06T07:28:00.000+08:002015-03-06T07:28:16.060+08:00Time to Dig In and Reassess Your Investment<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
The new year 2015 has brought a new landscape to the investment scenario, either to the property market or the investment market as a whole.</div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
2014 can be called as the year where most investors had expected to make less money but surprisingly, most can claim it was not too bad of a year after all. Most investment funds such as Amanah Saham Bumiputera, real estate unit trust, unit trust and Employee Provident Fund have declared good returns more than what were expected from them. The stock market had climbed to new heights. Property market did return to a semblance of the good old days.</div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
Alas, it didn’t last. By the end of the year, the stock market had turned southward, the oil prices started its sharp decline, the property market started to go soft and the fun is lacking in funds. If statistics are to be trusted, we are expecting 2015 to be a bad year. To add salt to the wound, we are expecting a period of ‘adjustment’ due to the introduction of the Goods and Sales Tax (GST) starting this 1st April 2015 in Malaysia. The words ‘uncertain’, ‘not going to be much impacted’ and the favourite ‘…going to pick up’ are keywords which are being used extensively when the experts are asked what lies ahead. No one will commit that we are heading for a bad time.</div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
For those who had lived long enough, they recognised the next few months as the time to dig in and to reassess their investment. It’s not as if they have never seen it before. Right?</div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
How about the young ones? The ones who had just start their work lives and are just starting to invest in places they thought were good enough for them to get good returns? Should they keep on investing? Should they cut their losses and wait until the market stabilised? Is property still a safe bet?</div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
The answer is simple: It is time to dig in and reassess your investment. It is good to do this every once in a while. You need to understand the concept of holding power and the time to cut your losses.</div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
There are a few rules all property investors or any other type of investors should always keep in mind:</div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
<strong style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;">1) ALWAYS RESEARCH WHAT YOU ARE INVESTING IN</strong></div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
Understand the concept of investment, know the product, and know how much you are spending and what your exit strategy is. Before jumping into the water, you should know whether it is cold, warm or hot.</div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
<strong style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;">2) ALWAYS KNOW THE SELLER AND MANAGER THOROUGHLY</strong></div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
One of the lessons I’ve learned about investing in property is how important it is to know the seller, be it the property development company, the bank auctioning the property or the seller of the property. Most people do not research properly the seller especially if they buy a property from a housing developer. Past success (or lack thereof) does not ensure future success.</div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
<strong style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;">3) RESEARCH THE PRODUCT YOU ARE BUYING</strong></div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
This advice is redundant of the advice No. 1 but this goes to the specifics. This is when you research the place and the type of property you are buying instead of knowing about how to invest in property. As an example, if you shunned areas such as Nilai or KLIA a few years ago, it might be of interest to you to know that the property investment landscape in those areas has changed. People are starting to buy in those areas. If you are looking for deals, this may be a good time but not for long.</div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
<strong style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;">4) UNDERSTAND THE COST (APPARENT OR HIDDEN)</strong></div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
People who buy properties should ask a lot of questions until the sale person who handles the queries starts to hate you. In all my years of being a lawyer, I find people are indifferent when it comes to the fees a lawyer can charge and why he/she is charging that much. They only look at the total amount and only care about how much discount they can get from the lawyer without asking why there’s a separate cost for disbursement and what each disbursement is for. I also find people are surprised at the idea of paying monthly charges, quarterly charges and annual charges for their strata properties to pay for monthly maintenance, sinking fund and assessment rate, respectively. When they sell their property, they are again ignorant of the fact of the Real Property Gain Tax that they will have to pay.</div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
<strong style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;">5) THERE IS NO SUCH THING AS A QUICK RETURN</strong></div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
Everyone wants to make a quick buck. As PT Barnum had allegedly said, “There’s a sucker born every minute.” These two rules have made a few enterprising spirits into crooks. The modus operandi maybe different but the rules have never change. There is no easy money. Period.</div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
<strong style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;">6) READ</strong></div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
Read the news, read about the change in law, read about the change in the interest rate regime, read about the debate on the implementation of Goods and Sales Tax, read about the debate on lowering of the prices of goods and, finally, read the fine print. Read every single thing. And understand it.</div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
<strong style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;">7) YOU CAN ALWAYS EXIT ANYTIME YOU WANT</strong></div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
If you have invested, surely you have read the fine prints and you have planned your exit strategy. Even if your debt is as simple as a credit card, as you aged, wouldn’t you want to close all those cards that are eating up your disposable cash and start to be smarter? If you had bought a property which you planned to rent but it is giving you negative cash flow, shouldn’t you check the market value and see if you can sell it for a good price? Why must you have debts that are not helping you to gain more money?</div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
<strong style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;">8) THERE’S ALWAYS OPPORTUNITY EVEN DURING THE BAD TIME</strong></div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
Yes, the oil prices dropped, the ringgit is at its lowest and the economy is going to be bad. Foreign investors are leaving in droves. People are not buying as much as they did a few years ago. If you have kept some money for such times, this is the time to buy properties. There are so many choices in the market. People rather rent than buy. If you had wanted to rent your property, you can start now. If you get good rental, don’t sell the property yet. Check your tenant properly, make sure you have an ironclad tenancy agreement and make sure you can sell the house when you get a good offer.</div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
<strong style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;">9) DO NOT STOP INVESTING. THIS TOO SHALL PASS.</strong></div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
As you reassess, exit your investment, recuperate, change tactics and reinvest your money somewhere safer, try to look for opportunities that are less risky. I’ve met so many people who insist in investing in properties but do not have any investment at all in safer portfolio such as ASB or unit trust. They rather take the high risk, high return route as if the winner-takes-all attitude is the only way for investors to live.</div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
<strong style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;">10) HAVE MULTIPLE SOURCES OF INCOME</strong></div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
Remember the time when even the government allows for its staff to have business? This happened a few years back. As much as you rely on your salary and allowance for your livelihood, why don’t you make money from what you do in your spare time? If you are a traveller or a cyclist, invite others to join you and you can charge them for organising the tour or event. Make sure you really know what you do and do it well so that the word of mouth will spread. It might just be your next career move.</div>
<div style="border: 0px; color: #444444; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 15px; padding: 0px; text-align: justify; vertical-align: baseline;">
This was first published as an article with Property Insight Magazine, March 2015 edition <a href="http://propertyinsight.com.my/time-to-dig-in-and-reassess-your-investment/">http://propertyinsight.com.my/time-to-dig-in-and-reassess-your-investment/</a></div>
</div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-1550177367907070822015-02-11T12:43:00.000+08:002015-02-11T12:43:37.418+08:00Judge in the Jessup Moot 2015 Competition<div dir="ltr" style="text-align: left;" trbidi="on">
I was invited and given the opportunity to be one of the panel of judges in the Jessup Moot 2015 Competition last Saturday, 07.02.2015.<br />
<br />
It was an experience I would always remember because the only other time I was involved in the competition was nearly 20 years ago in 1995 when I was a second year student in Universiti Kebangsaan Malaysia handling the same competition in <a href="http://www.ilkap.gov.my/">ILKAP</a>, Institut Latihan Kehakiman dan Perundangan, the training center for those in the judiciary. At that time ILKAP was in Wisma Sime Daby in Kuala Lumpur and not in its current <a href="http://www.ilkap.gov.my/?filename=webcont/petalokasi.php">sprawling campus</a> in Bandar Baru Bangi.<br />
<br />
How time have changed.<br />
<br />
It was a great experience as I was partnered with Session Court Judge, Tuan Hakim Timothy Finlayson and Encik Saiful Izan, the legal officer for Malaysian Red Crescent.<br />
<br />
The competing teams were quite good in their submissions of the case and one of them, the UiTM mooting team went on to the finals but was beaten by the eventual winner from University Malaya.<br />
<br />
Congratulations to the winner and hope they'll be as good in Washington for the world finals.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiuDIm8J1Gcg_xfuSJnrDyiypN0x-lVT36vPM9J_GNvQcfl_ldnxrrXhfy9MsCxiT3TefuDuHF31gIh4QB-ktzeXgj_P3H819NAcGUNS1xMNN0qjvZShmVIpiG2hTlGRDp8HTAYcqFokfg/s1600/Khairul+at+Jessup+Moot+2015.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiuDIm8J1Gcg_xfuSJnrDyiypN0x-lVT36vPM9J_GNvQcfl_ldnxrrXhfy9MsCxiT3TefuDuHF31gIh4QB-ktzeXgj_P3H819NAcGUNS1xMNN0qjvZShmVIpiG2hTlGRDp8HTAYcqFokfg/s1600/Khairul+at+Jessup+Moot+2015.jpg" height="180" width="320" /></a></div>
<br />
<br />
<br /></div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-6075585789703242542014-06-17T14:10:00.001+08:002015-03-13T21:58:12.553+08:00Why a housing bubble will always happen again and again. All over the world<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, sans-serif; font-size: 15px; line-height: 20px; margin-bottom: 1em; margin-top: 1em; outline: 0px; padding: 0px; vertical-align: baseline;">
If you read the news around the world, there are people keep saying a housing bubble is imminent in their county. Although it has just happened, like in the United States when the last housing bubbles brought down a few investment banks which had been hit by the sub-prime scandals, people who are smart enough say a housing bubble is in the making there. China is another country people is expecting to have its property bubble burst anytime soon. Why does this keep happening again and again?</div>
<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, sans-serif; font-size: 15px; line-height: 20px; margin-bottom: 1em; margin-top: 1em; outline: 0px; padding: 0px; vertical-align: baseline;">
It is due to the nature of housing. People keep on buying houses to live in it and to try to make a lot of money out of it by selling it at a higher margin. The question is, why don't people learn that they will drag down the economy due to their greed to make a profit? Why do they keep on doing the same thing again and again? Aren't the governments around the world doing anything about it?</div>
<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, sans-serif; font-size: 15px; line-height: 20px; margin-bottom: 1em; margin-top: 1em; outline: 0px; padding: 0px; vertical-align: baseline;">
Here's the thing about housing. There are genuine buyers who want to have a roof above their head and there are those who think houses as an investment. They are mixed together without any borders separating them in the same space. When you see a long line queuing up at a property launch, you cannot determine who are the genuine buyer and who are the speculators. The speculators who buy and want to make money out of the property want the same treatment the genuine house buyers are getting. It will make the profit higher as the housing developers will throw in so many things into the sale. Including cheaper housing loans.</div>
<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, sans-serif; font-size: 15px; line-height: 20px; margin-bottom: 1em; margin-top: 1em; outline: 0px; padding: 0px; vertical-align: baseline;">
Governments around the world have been trying to control speculative buying of property by imposing tax on the profit anyone makes when a property is sold. In Malaysia it is known as Real Property Gain Tax. The current tax regime impose tax on property sold within 5 years of the property being bought. The tax imposed is a withholding tax where the seller will have to pay the Internal Revenue Department and only get it back once it is checked out there was no profit made on the property transaction. The withholding tax for Malaysian property sellers is 2%.</div>
<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, sans-serif; font-size: 15px; line-height: 20px; margin-bottom: 1em; margin-top: 1em; outline: 0px; padding: 0px; vertical-align: baseline;">
Does this current withholding tax stop or reduce the property transactions or sales of houses? Does it stop the speculative buying of houses? No. It does not.</div>
<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, sans-serif; font-size: 15px; line-height: 20px; margin-bottom: 1em; margin-top: 1em; outline: 0px; padding: 0px; vertical-align: baseline;">
Here's why.</div>
<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, sans-serif; font-size: 15px; line-height: 20px; margin-bottom: 1em; margin-top: 1em; outline: 0px; padding: 0px; vertical-align: baseline;">
Any good property speculator will know you only have to factor in the cost of the Real Property Gain Tax into the margin that you will make from the sale of the property. This Real Property Gain Tax is not the only thing the property speculator has to contend with. The Malaysian government has imposed in 2010 a maximum margin of 70% on any third housing loan taken by any one buyer. That is already a deterrent factor there. Still people buys houses speculatively and try to make huge profits out of it.</div>
<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, sans-serif; font-size: 15px; line-height: 20px; margin-bottom: 1em; margin-top: 1em; outline: 0px; padding: 0px; vertical-align: baseline;">
Banks are also culprits in the making of housing bubbles. Why? Because they make so much money out of giving out housing loans to people who want to buy houses, whether they need it or not. A speculators adage has always been "If you can use other people money, do not use your own money." This has also been the adage that fueled a few of economic crisis in the world.</div>
<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, sans-serif; font-size: 15px; line-height: 20px; margin-bottom: 1em; margin-top: 1em; outline: 0px; padding: 0px; vertical-align: baseline;">
Another factor why housing bubble will visit the world every few years in this modern era is due to the property gurus that keep teaching people to buy and sell property to make a profit out of it. While these property gurus go running and laughing to the bank thanking the gullible students for paying them an arm and a leg trying to learn how to make money from property speculation, new property speculators are born and play the property speculation game all over again</div>
<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, sans-serif; font-size: 15px; line-height: 20px; margin-bottom: 1em; margin-top: 1em; outline: 0px; padding: 0px; vertical-align: baseline;">
So, as the sun keeps on shining and people keeps on needing a house, a housing bubble will keeps on visiting each property hot spot.</div>
<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, sans-serif; font-size: 15px; line-height: 20px; margin-bottom: 1em; margin-top: 1em; outline: 0px; padding: 0px; vertical-align: baseline;">
Again and again...</div>
<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, sans-serif; font-size: 15px; line-height: 20px; margin-bottom: 1em; margin-top: 1em; outline: 0px; padding: 0px; vertical-align: baseline;">
*Originally wrote this as a LinkedIn post : <a href="https://www.linkedin.com/today/post/article/20140617041553-25491383-why-a-housing-bubble-will-always-happens-again-and-again-all-over-the-world?trk=prof-post">https://www.linkedin.com/today/post/article/20140617041553-25491383-why-a-housing-bubble-will-always-happens-again-and-again-all-over-the-world?trk=prof-post</a></div>
</div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-77365740504321251272014-04-29T01:28:00.001+08:002014-04-29T01:28:18.857+08:00Blog ini sebagai manuskripAku diminta menulis oleh Dubook Press, syarikat buku indie yang menerbitkan beberapa buku indie non-fiction. Sebenarnya aku tak at nak tulis apa sebab siri buku Ask the Lawyer! atau Tanyalah Peguam! yang aku terbitkan bawah True Wealth, syarikat Azizi Ali tu macam indie jugaklah. Cuma bahasa dalam buku-buku tu tak indie sangat. Dia proper sikit.<div><br></div><div>So, aku nak mulakan menulis buku untuk Dubook Press ni menggunakan blog ini. Mungkin taktik aku ni akan mengurangkan ke'laku'an buku tu nanti tapi aku rasa masih ada market. Kalau blog post aku yang aku nak gunakan sebagai manuskrip ni ramai yang baca, aku rasa aku boleh jual buku tu. Kalau tak ramai, Dubook masih nak publish, aku ok je.</div><div><br></div><div>Apa yang diorang mintak aku tulis adalah tentang pembelian rumah oleh remaja. Macam a ke cakap tadi, aku rasa buku 40 Soalan Yang Patut Anda Tanya Peguam Anda Sebelum Membeli Rumah di Malaysia tu dah cover mostly everything yang patut orang pertama kali beli rumah tahu.</div><div><br></div><div>Mungkin ada market untuk pembeli belia kut? Aku ingat nak tulis tentang benda yang lebih basic. Contohnya bagaimana nak kumpul deposit 10%. Trick-trick macamana nak mark-up. Tentang bagaimana nak mintak lawyer tolong buat SPA yang bagus. Benda-benda macam tu.</div><div><br></div><div>Nanti korang komen lah kalau nak tau lagi. Boleh aku baiki manuskrip aku sebelum publish.</div><div><br></div><div>Kala korang tak tau kenapa aku sekarang nak jadi 'indie' sikit kerana aku dah ada buku terbitan Fixi. Nama buku : PINJAM. Nama pena : Anuar Shah. Kenapa Anuar Shah? Nama penuh aku Khairul Anuar. Shah tu sebahagian nama bapak aku.</div><div><br></div><div>Make, entri selepas ini akan jadi entri buku aku yang belum ada title. Mungkin title dia 'Senangnya Beli Rumah' atau 'Baiti'. Tengoklah camne.</div><br><div class="separator" style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEioKeGiVXJ8kA82itNyIJNBoycjNF08eTi05QTEp_9T86w9_f06SGrYvWQfIhzbKKmX0wYGEiXzthwDZ09DbagI3YxwUu581kQyXg8e04dzxYwxs3Ofg_HivvA6Z8s747xqSmJIIo2Qf2g/s640/blogger-image-1843174131.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEioKeGiVXJ8kA82itNyIJNBoycjNF08eTi05QTEp_9T86w9_f06SGrYvWQfIhzbKKmX0wYGEiXzthwDZ09DbagI3YxwUu581kQyXg8e04dzxYwxs3Ofg_HivvA6Z8s747xqSmJIIo2Qf2g/s640/blogger-image-1843174131.jpg"></a></div>Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-57053291952706326552013-09-17T12:35:00.000+08:002013-09-17T12:35:23.736+08:00Lawyer Hartanah : 40 Lagi Soalan Yang Patut Anda Tanya Peguam Anda Sebelum Membeli Rumah di Malaysia<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKXiTve_y9a_GnmS3vkfiXZmLWtAe5yC9C5s1tgrv1lhAIriF79QwFxMexWeJJ32AEYiUsJWTANRm0N7WD03G_PFDPpX_Z5zm9U_OEcUJ3zkeW2nNU4fnFHd5-OAsh2Ogsxe_RhFSeLEs/s1600/Lawyer+Hartanah.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKXiTve_y9a_GnmS3vkfiXZmLWtAe5yC9C5s1tgrv1lhAIriF79QwFxMexWeJJ32AEYiUsJWTANRm0N7WD03G_PFDPpX_Z5zm9U_OEcUJ3zkeW2nNU4fnFHd5-OAsh2Ogsxe_RhFSeLEs/s1600/Lawyer+Hartanah.gif" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEht0ybtdnKzSoVZMcqANjaD5bAaaOtaAU51wTmyVFnce7HraG6iJ2SgCetuLPbYaxayqykRpBoANPU03lHRIryXPNHwLSaZsaWGeEZZHs0kqruXYxl7Ha59KAsNwm18cyKcFDHSrfBDpiQ/s1600/Lawyer+Hartanah.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEht0ybtdnKzSoVZMcqANjaD5bAaaOtaAU51wTmyVFnce7HraG6iJ2SgCetuLPbYaxayqykRpBoANPU03lHRIryXPNHwLSaZsaWGeEZZHs0kqruXYxl7Ha59KAsNwm18cyKcFDHSrfBDpiQ/s1600/Lawyer+Hartanah.gif" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgcfHnkveX6Bczflxmy0F0dD3nSC4XVBnX36o4szj-w3en7-v5hlPrJ7r0HL2kJvJiAAwAbQajfYx4Ph_RWO2ig1jimHkW_MzXBfFbp12rUjUfXsD4cBBpAuQUEXW0REQS2pgjsp9TaiR4/s1600/Lawyer+Hartanah+me+pic.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgcfHnkveX6Bczflxmy0F0dD3nSC4XVBnX36o4szj-w3en7-v5hlPrJ7r0HL2kJvJiAAwAbQajfYx4Ph_RWO2ig1jimHkW_MzXBfFbp12rUjUfXsD4cBBpAuQUEXW0REQS2pgjsp9TaiR4/s320/Lawyer+Hartanah+me+pic.jpg" width="320" /></a></div>
<br />
<br />
<div style="text-align: justify;">
Buku eBook saya Lawyer Hartanah : 40 Lagi Soalan Yang Patut Anda Tanya Peguam Anda Sebelum Membeli Rumah di Malaysia mula dijual pada hari ini. Pemasaran affiliate boleh didapati di JomNiaga : <a href="http://www.jomniaga.com/affiliate/tools/17104/go">http://www.jomniaga.com/affiliate/tools/17104/go</a>. Pra-pelancaran untuk buku ini adalah dari 17hb September 2013 sehingga 29hb September 2013. Pelancaran penuh akan dilakukan pada 30hb September 2013.</div>
<div style="text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEijNsxOpS78ZJdXqvREhJQNhAYSlBfT1Ff01uBetAk0s5s1sQz-7mm51fPlCbjJHab927DktAMn7HaODWIfU92YH2pOKQXIETYgdmJ58k95izv3Edob9G5rWLAvWmLaFSMYQMoQZxmgkZs/s1600/Final+cover+for+40+More+Questions.....jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEijNsxOpS78ZJdXqvREhJQNhAYSlBfT1Ff01uBetAk0s5s1sQz-7mm51fPlCbjJHab927DktAMn7HaODWIfU92YH2pOKQXIETYgdmJ58k95izv3Edob9G5rWLAvWmLaFSMYQMoQZxmgkZs/s1600/Final+cover+for+40+More+Questions.....jpg" /></a></div>
<br />
<br />
<div style="text-align: justify;">
eBook Bahasa Malaysia ini adalah terjemahan dari buku saya : 40 More Questions You Should Ask Your Lawyer Before Buying A Residential Property in Malaysia. Saya telah menterjemahkan buku ini sendiri untuk memastikan maksud yang saya cuba sampaikan tidak hilang. Dapatkannya sekarang di pasaran atau melalui web di www.bookplanet.com.my.</div>
<div style="text-align: justify;">
<br /></div>
<br /></div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-52449852116674135872013-07-06T15:54:00.000+08:002013-07-08T07:37:57.364+08:00Nomad Offices : The office away from home office for lawyers<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimiy7foZkuGjF9eT9dhR7wIUFeImZWfIx7jKIEu0u_3BdymlsISTimOQUYF7GGTPkkmV7VcZdDT0YrqPi-wiOn6Lfx45KkHwdoUZk-wjjR1wdxG780qCs66bLvMh6-55lzj5mMm_8nzqI/s640/blogger-image--1726018785.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimiy7foZkuGjF9eT9dhR7wIUFeImZWfIx7jKIEu0u_3BdymlsISTimOQUYF7GGTPkkmV7VcZdDT0YrqPi-wiOn6Lfx45KkHwdoUZk-wjjR1wdxG780qCs66bLvMh6-55lzj5mMm_8nzqI/s640/blogger-image--1726018785.jpg"></a></div>
<div dir="ltr" style="text-align: left;" trbidi="on">
Kompleks Mahkamah Kuala Lumpur</div>
<div dir="ltr" style="text-align: left;" trbidi="on">
<br></div>
As a lawyer, when I was practicing as a litigation lawyer, speed is everything. You sometimes need to amend or use the facilities you have at your office as soon as possible but your office is just too far away. Even if your office is within Kalng Valley, when you have only a few hours to spend before you go back to court.<br>
<div dir="ltr" style="text-align: left;" trbidi="on">
<br></div>
<div dir="ltr" style="text-align: left;" trbidi="on">
Of course you have the Bar Room which has nearly everything you need as a lawyer. However, wouldn't it be more convenient if you can drive just around the corner where you can have all the convenience of your own office at your fingertips?</div>
<div dir="ltr" style="text-align: left;" trbidi="on"><br></div>
<div dir="ltr" style="text-align: left;" trbidi="on">
<br></div>
<div dir="ltr" style="text-align: left;" trbidi="on">
<br></div>
<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg80msA4CKLaddp3rMCC0zXEv3x8pP0KDeAJd9PZg1cjEge-czkJuUCHNRYyVOMCJas1UVsAZ5_qnXtBiDdVAZ4zJzdpCU0978K3LVrGxxBLVbyPvlOGpZhdQfl6Pm-WW4XHywcLIMSHRo/s640/blogger-image-669708504.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg80msA4CKLaddp3rMCC0zXEv3x8pP0KDeAJd9PZg1cjEge-czkJuUCHNRYyVOMCJas1UVsAZ5_qnXtBiDdVAZ4zJzdpCU0978K3LVrGxxBLVbyPvlOGpZhdQfl6Pm-WW4XHywcLIMSHRo/s640/blogger-image-669708504.jpg"></a></div>
Kompleks Mahkamah Syariah Wilayah Persekutuan</div>
<div dir="ltr" style="text-align: left;" trbidi="on">
<br></div>
<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxw9cAv_45x53SzPknoJu1GqAcCYeGcvIJXTWwAJeUA-sJHiVYXXiT9v9FKabj7kmkEnIiew6e_9Qi57__wkrtVqGesEgFG4C397Rvuv8D8bKrV1uWHsvyj2jWhvKSmlXJGMLEWD4oTQM/s640/blogger-image-1500471341.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxw9cAv_45x53SzPknoJu1GqAcCYeGcvIJXTWwAJeUA-sJHiVYXXiT9v9FKabj7kmkEnIiew6e_9Qi57__wkrtVqGesEgFG4C397Rvuv8D8bKrV1uWHsvyj2jWhvKSmlXJGMLEWD4oTQM/s640/blogger-image-1500471341.jpg"></a></div>
MATRADE building</div>
<div dir="ltr" style="text-align: left;" trbidi="on">
<br>
An office like Nomad Offices is the perfect alternative for an office away from home office for lawyers.</div><div dir="ltr" style="text-align: left;" trbidi="on"><br></div><div dir="ltr" style="text-align: left;" trbidi="on">The new Nomad offices Is located at Soalris Mont Kiara within the area of MATRADE, Kompleks Mahkamah Kuala Lumpur and Mahkamah Syariah Wilayah Persekutuan.</div><div dir="ltr" style="text-align: left;" trbidi="on"><br></div><div dir="ltr" style="text-align: left;" trbidi="on">With other Nomad offices in Pavilion KL, the Gardens and Menara Hap Seng, it is perfect for anyone to use it as a base. Nomad has hotel and residences. With branches in Manila, Jakarta, Bangkok, Ho Chin Minh, it is perfect as a satellite office.</div><div dir="ltr" style="text-align: left;" trbidi="on"><br></div><div dir="ltr" style="text-align: left;" trbidi="on">Nomad offices has meeting rooms for 3 to 6 people, charging stations, waiting areas, hot desks, a big room for 5 people with a manager's room and even a Playstation to unwind.</div><div dir="ltr" style="text-align: left;" trbidi="on"><br></div><div dir="ltr" style="text-align: left;" trbidi="on">Located at Level 7 of Block L, Solaris Mont Kiara, it is just perfect as an office away from your home office in Kuala Lumpur.<br>
<div class="separator" style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEheDqRNrmjrb6uoVQTtlzeI8QiWKDb1AclM-dW8Vt4eJygwDvdal5nza-BSj5hsr3HtGAXW8Pfnk6mTTAABH2L2Q_NqSM46288mUevOpLUF2BUy2VU5Kc6kiSTFl9KP-GXBBTGufhChNb4/s640/blogger-image-827403589.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEheDqRNrmjrb6uoVQTtlzeI8QiWKDb1AclM-dW8Vt4eJygwDvdal5nza-BSj5hsr3HtGAXW8Pfnk6mTTAABH2L2Q_NqSM46288mUevOpLUF2BUy2VU5Kc6kiSTFl9KP-GXBBTGufhChNb4/s640/blogger-image-827403589.jpg"></a></div><div class="separator" style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBtNCfIBUl29LdJ-57zRCViV9QIp5uUdmR-1EJ3TAVCPXX1Cao9vBTWux-2CMewbKnH1Win6Wl3PhMks0G-gpSlMxkakrwFjSJ5BJ8e8ZO3vBKJYZ-GFnuBRjRHOQybdTqaBUuNYjF4Jc/s640/blogger-image-99578857.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBtNCfIBUl29LdJ-57zRCViV9QIp5uUdmR-1EJ3TAVCPXX1Cao9vBTWux-2CMewbKnH1Win6Wl3PhMks0G-gpSlMxkakrwFjSJ5BJ8e8ZO3vBKJYZ-GFnuBRjRHOQybdTqaBUuNYjF4Jc/s640/blogger-image-99578857.jpg"></a></div><div class="separator" style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJQ_10xc2MszxfndOk2q0f_bI9LQlHaKkaPOUiXkXatJRj84JIyLiLXicPttXvk1IctgkYrOI2cZrnzCRWkzB5SwGFK9Fu9fonZxGriahTKi7HzfjP3VsdgB6ZDdkzuHumoTnhL_B94uE/s640/blogger-image-384952757.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJQ_10xc2MszxfndOk2q0f_bI9LQlHaKkaPOUiXkXatJRj84JIyLiLXicPttXvk1IctgkYrOI2cZrnzCRWkzB5SwGFK9Fu9fonZxGriahTKi7HzfjP3VsdgB6ZDdkzuHumoTnhL_B94uE/s640/blogger-image-384952757.jpg"></a></div><div class="separator" style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKTJbfhlgawpPmfLej9jR-nA9FNjVvjZM5wh5UYlQxrMF1LUdOfrlOwFg5yDhxBG4gMbCCNj8B9gGYIuzW2hVKsZY7GkZ_z2xu6V5G0Pihvvbg5W1Ee0x_oM1UDgXmSya02TFe8MYtYGY/s640/blogger-image--218886094.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKTJbfhlgawpPmfLej9jR-nA9FNjVvjZM5wh5UYlQxrMF1LUdOfrlOwFg5yDhxBG4gMbCCNj8B9gGYIuzW2hVKsZY7GkZ_z2xu6V5G0Pihvvbg5W1Ee0x_oM1UDgXmSya02TFe8MYtYGY/s640/blogger-image--218886094.jpg"></a></div><div class="separator" style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEid4qTDGnzyC3ZZGxICov8_87en3XHvDylxP6sVsKoTBLTqnlxDV6MqDGJhrTXUtGiNJPq9Fl7yPRSS8q0MIUXK9GveCJXiDLCJ8tyCWiA3wtN99ylrQbVjhWYBIojSS5w3MZ1gQqPxX-c/s640/blogger-image--1908200107.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEid4qTDGnzyC3ZZGxICov8_87en3XHvDylxP6sVsKoTBLTqnlxDV6MqDGJhrTXUtGiNJPq9Fl7yPRSS8q0MIUXK9GveCJXiDLCJ8tyCWiA3wtN99ylrQbVjhWYBIojSS5w3MZ1gQqPxX-c/s640/blogger-image--1908200107.jpg"></a></div><div id="CUSTOM_ID" class="separator" style="clear: both;"></div><br>
<span id="goog_1369707379"></span><span id="goog_1369707380"></span><br></div>
</div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-64666519137570139832013-06-25T09:00:00.000+08:002013-06-25T09:00:03.563+08:00What is a housing loan and how many types of housing loans are there?<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTh5JwfVxUGaQbRPKXIsZwcYT3w4ZU2eTMOeUZrE14TpXn29GX15g4oK4sCyrOVquE70mgsin_J6hVY_RfZFV8HAAneUfjrqQClROsipZulZg11KfQiCOiFFr-0ybm2fEWdJsDj3pa9IY/s1600/NST+RED+article+31052013+%2528pic+by+Intan%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="239" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTh5JwfVxUGaQbRPKXIsZwcYT3w4ZU2eTMOeUZrE14TpXn29GX15g4oK4sCyrOVquE70mgsin_J6hVY_RfZFV8HAAneUfjrqQClROsipZulZg11KfQiCOiFFr-0ybm2fEWdJsDj3pa9IY/s320/NST+RED+article+31052013+%2528pic+by+Intan%2529.jpg" width="320" /></a></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">I am writing a new book. It is about Housing Loan and of course, in continuation of my Ask The Lawyer series, I have titled the book '40 Questions You Should Ask Your Lawyer Before Taking A Housing Loan in Malaysia'. I want to be as concise as possible so there will not be 40 More Questions You Should Ask Your Lawyer Before Taking A Housing Loan in Malaysia.</span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">My two books tackled issues about buying residential property from housing developer and is skewed towards buying these residential property in cash. Why? Because I opined you need to understand the basic before involving purchasing property using a housing loan. A housing loan needs it's own book to be understood. Now that I have columns in New Straits Times' Real Estate and Decor and also in thestarproperty.my with occasional articles in various other publications, I will complement my published books and to-be published books with articles in them. </span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgtQmvWOfbkZVfURwxpbuLxz-7L8HDmWvxdbawMZBy5mOlCT5wkSPPlkB3ns7gFQbPuG8osiI8MUGWiH4vS1nFUxAscu_94UDTSvyBo2AT4wgzvVjK4MW7W4RC_kKxcDrIuDG4DDCSrogI/s1600/tanyalahpeguam_9p5mm+copy.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="219" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgtQmvWOfbkZVfURwxpbuLxz-7L8HDmWvxdbawMZBy5mOlCT5wkSPPlkB3ns7gFQbPuG8osiI8MUGWiH4vS1nFUxAscu_94UDTSvyBo2AT4wgzvVjK4MW7W4RC_kKxcDrIuDG4DDCSrogI/s320/tanyalahpeguam_9p5mm+copy.jpg" width="320" /></a></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">As always, I use this blog to gauge responses from my readers or would-be readers. If you still have not got my book from bookstores like MPH, Times or Kinokuniya, you can order online through my publisher Book Planet. The link for my books is here : </span><a href="http://www.bookplanet.com.my/index.php?target=products&mode=search&subcats=Y&type=extended&avail=Y&pshort=Y&pfull=Y&pname=Y&pkeywords=Y&cid=23&q=Khairul+Anuar+bin+Shaharudin&x=9&y=7" style="font-family: 'Times New Roman', serif; font-size: 12pt;">Ask the Lawyer series in Book Planet</a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">. </span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-family: Times New Roman, serif;">While waiting for my book to finish, go through this first chapter. Consider it like reading an excerpt of the whole book as this first question is the whole template for the whole book. Comments and complains are welcome, as usual :</span></div>
<div align="center" class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: center;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;"><br /></span></b></div>
<div align="center" class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: center;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Question 1</span></b><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;"> </span></b></div>
<div align="center" class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: center;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-family: "Times New Roman","serif";">Housing
loan is a financial instrument borne out of a need of the consumers, who are
house buyers seeking to buy houses. In this day and age, everyone has some form
of debts or another. Borrowing money has become a norm and it is recognised by
financial institutions around the world as the best way to check the financial
credibility of a potential customer. In short, the more debts you have with one
financial institution, the potential for you to get any type of loan from
another financial institution is higher. Of course, as a borrower, you must
make sure you are capable to manage all the loans you have taken from all the financial
institutions you have taken loans from before you are given another loan by
another financial institution. One of the biggest amounts of money by borrowing
one will take in his or her lifetime is the housing loan. House, even the
smallest one, is expensive. The need for a house has never diminished as people
need somewhere to live whether they can afford it or not. Hence, housing loan
is needed to help people to buy a house according to their need and for those
who buy house as investment, as one way to finance the investment.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-family: "Times New Roman","serif";"> In the whole scheme of property purchase,
there can only be two types of house buyers. There are those who buy a house to
stay in it and those who buy a house as a form of investment. All the housing
loans in Malaysia are tailored for those who buy houses in order to stay in it
and not for those who buy a house for investment. With the current property
climate in Malaysia where government has to intervene in order to fulfill the
supply of affordable houses to the masses, I don’t think we will ever see
financial institutions coming up with housing loans for the investors. That is
why all borrowers of housing loans are asked to sign a letter of undertaking
(which will be explained in this book) affirming that they will be living in
the house they bought and taken a housing loan for. In order to answer the
question “What is a housing loan?” the answer is - any type of loan taken from
a licensed financial institution in Malaysia to finance the purchase of a
residential property in Malaysia. In order to explain the concept of housing
loan further is to dissect each type of the housing loan available and to see
the mechanics of each type of housing loan. As questions relating to housing
loan are answered one by one in this book, the enigma surrounding housing loan is
unraveled one by one.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-family: "Times New Roman","serif";"> There are so many types of housing loan
available to finance the purchase of any type of property in Malaysia. These
housing loans relate to all types of properties available for sale from either
housing developers or individuals. There are so many ways to divide housing
loans into basic categories. Types of properties are divided into property
issued with title and property without title or property to be subdivided later.
Housing loans available to finance the purchase these properties can be divided
into the same category too. The documentations for housing loan given by
financial institution for residential property with title is very much
different from documentations for housing loan given by financial institution for
residential property to be subdivided later. The difference between these
documentations will determine the process and the cost to prepare the documentation
for the housing loan. The documentation for the housing loan to finance purchase
of property with title is more straightforward than the documentation for
housing loan to finance property to be subdivided later. The nature of
residential property to be subdivided later requires another round of
documentations to be executed when the property is finally issued with a title.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-family: "Times New Roman","serif";"> However, the more popular way to divide the
types of housing loan on offer by financial institution is whether a housing
loan is a conventional loan or an Islamic loan. As financial institutions
streamlined the operation of their conventional banking and Islamic banking,
when a bank officer attend to a customer’s enquiry about housing loans, the
first question the loan officer will ask is whether the customer is applying
for a conventional housing loan or an Islamic housing loan. Both housing loans
are different from each other and the documentations for both types of housing
loans are very much different. Both conventional housing loan and Islamic
housing loan are different products. The terms used to explain how the conventional
housing loan and Islamic housing loan is given and disbursed are different among
financial institutions. Conventional banking term such as ‘interest’ is
substituted with ‘profit’ when being referred in Islamic banking. This is just
one of the terms which differ between a conventional housing loan and Islamic
housing loan. An explanation on the difference in either the concept or the
documentations of an Islamic housing loan can be found within this book.</span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-family: Times New Roman, serif;"> </span><span style="font-family: 'Times New Roman', serif;">There is no right way to list the types of
housing loans. Like all loan products offered by financial institutions, when
you want to take a housing loan, the important question is to ask yourself why
you are taking the loan. It is understandable if the housing loan is to finance
the purchase of your dream home. If you have saved to pay the deposit on the
house and able to pay the installments until the time the house is yours,
there's an array of housing loans to choose from. However, there are many other
types of housing loans which relates to houses but is not intended to be used
for the purchase of a house. These types of loans include, as was mentioned
above, taking housing loan for investment purpose, refinancing of existing
house after a few years as value of the house rises and mortgaging a house free
from any encumbrances to the bank for cash. Currently, housing loan for residential
property is one of the cheapest loans around among a bank’s various products and
is a favorite way to own a property under your own name.</span></div>
<div>
<br /></div>
</div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-24292281523899665742013-05-22T12:02:00.000+08:002013-05-23T12:55:56.469+08:00Media appearances past few months<div dir="ltr" style="text-align: left;" trbidi="on">
It has been a few weeks of non-stop media appearances for me. Some are in articles in news portals, two radio guest appearance and author appearances at one book fair.<br />
<br />
For posterity sake, here are those media appearances :<br />
<br />
My two articles in <a href="http://www.themalaysianinsider.com/">The Malaysian Insider</a> :<br />
<br />
One is on the issue of Gated and Guarded Community in Malaysia published on 2nd April 2013 :<br />
<br />
<a href="http://www.themalaysianinsider.com/sideviews/article/whither-neighbourliness-khairul-anuar-shaharudin/">Whither neighbourliness?</a><br />
<br />
Another is about Affordable Housing in Malaysia published on 19th May 2013 :<br />
<br />
<a href="http://www.themalaysianinsider.com/sideviews/article/affordable-housing-political-rhetoric-or-serious-solution-khairul-anuar-shaharudin">Affordable housing : Political Rhetoric or Serious Solution?</a><br />
<br />
Then I answered a question in News Straits Times pullout <a href="http://www.nst.com.my/red">Real Estate and Decor</a> about discharge of a strata property :<br />
<br />
<a href="http://www.nst.com.my/red/q-a2-1.248330">Q & A on 5th April 2013</a><br />
<br />
And my article was published by <a href="http://www.nst.com.my/red">News Straits Times : Real Estate and Decor</a> about Gated and Guarded Properties in Malaysia on 3rd May 2013 :<br />
<br />
<a href="http://www.nst.com.my/red/one-day-inside-a-gated-and-guarded-development-1.270029#">One day inside a gated and guarded development</a><br />
<br />
In April and May, I had two radio interviews by BFM Radio both in <a href="http://www.bfm.my/the-property-show.html">The Property Show</a>. Here are the podcasts from the show. Here is my interviewer, Azura Rahman, from the show :<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-M-5S_QM-4tw/UZRTGbTgHTI/AAAAAAAAAbY/x9X5qjRGUKI/w788-h591-no/IMG-20130514-00247.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="http://3.bp.blogspot.com/-M-5S_QM-4tw/UZRTGbTgHTI/AAAAAAAAAbY/x9X5qjRGUKI/w788-h591-no/IMG-20130514-00247.jpg" width="320" /></a></div>
<br />
First interview was about my new book :<br />
<br />
<a href="http://www.bfm.my/the-property-show-40-more-questions-khairul-anuar-shaharuddin.html">40 More Questions You Should Ask Your Lawyer Before Buying A Residential Property in Malaysia</a><br />
<br />
My second interview was about Malay Reserved lands in Malaysia :<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://fbcdn-sphotos-c-a.akamaihd.net/hphotos-ak-prn1/553781_10151594469347042_912863053_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://fbcdn-sphotos-c-a.akamaihd.net/hphotos-ak-prn1/553781_10151594469347042_912863053_n.jpg" width="320" /></a></div>
<br />
<a href="http://www.bfm.my/2013-05-17-property-show-understanding-malay-reserve-land.html">Understanding Malay reserve land</a><br />
<br />
Finally during the recent Kuala Lumpur International Book Fair at PWTC which happened between 26th April and 4th of May 2013, my new book was launched and I made two author appearances at my publisher's booth :<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://2.bp.blogspot.com/-YLY7DuMDiAU/UYxqNOEwqKI/AAAAAAAAAYI/9iIAMv-MDlY/w887-h591-no/IMG_8871.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="http://2.bp.blogspot.com/-YLY7DuMDiAU/UYxqNOEwqKI/AAAAAAAAAYI/9iIAMv-MDlY/w887-h591-no/IMG_8871.JPG" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://4.bp.blogspot.com/-G7yTa9XNUI4/UYxqB49blcI/AAAAAAAAAXU/Xdakd--pgDo/w887-h591-no/IMG_8858.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="http://4.bp.blogspot.com/-G7yTa9XNUI4/UYxqB49blcI/AAAAAAAAAXU/Xdakd--pgDo/w887-h591-no/IMG_8858.JPG" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-sh_5bnxngbc/UX4tQ0zKgHI/AAAAAAAAALI/N_o2xLcIIdI/w788-h591-no/KLIBF+27042013+%25282%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="http://3.bp.blogspot.com/-sh_5bnxngbc/UX4tQ0zKgHI/AAAAAAAAALI/N_o2xLcIIdI/w788-h591-no/KLIBF+27042013+%25282%2529.jpg" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://1.bp.blogspot.com/-OVfwtYK9Lr0/UX4tQ71We1I/AAAAAAAAALM/u23NtZPQSSE/w788-h591-no/KLIBF+27042013+%25283%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="http://1.bp.blogspot.com/-OVfwtYK9Lr0/UX4tQ71We1I/AAAAAAAAALM/u23NtZPQSSE/w788-h591-no/KLIBF+27042013+%25283%2529.jpg" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://fbcdn-sphotos-a-a.akamaihd.net/hphotos-ak-prn1/922803_544861212231735_1625123687_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://fbcdn-sphotos-a-a.akamaihd.net/hphotos-ak-prn1/922803_544861212231735_1625123687_n.jpg" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: justify;">
That was it. I just realised I had a busy April and May 2013. It was good to be busy.</div>
<div class="separator" style="clear: both; text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: justify;">
You can still get my book here, at True Wealth Sdn Bhd's Book Planet website :</div>
<div class="separator" style="clear: both; text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: justify;">
<a href="http://www.bookplanet.com.my/index.php?target=products&product_id=241">40 More Questions You Should Ask Your Lawyer Before Buying A Residential Property in Malaysia</a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
</div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-62714683484007397062013-04-17T13:20:00.000+08:002013-06-24T13:52:13.235+08:00Credit Reporting Agencies in Malaysia : What is CENTRAL CREDIT REFERENCE INFORMATION SYSTEM (CCRIS) and CREDIT TIP OFF SERVICE (CTOS)?<div dir="ltr" style="text-align: left;" trbidi="on">
<div align="center" class="MsoNormal" style="line-height: 150%; text-align: center;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Times New Roman","serif";"><i>This is an excerpt from my next book. The book's working title is 40 Questions You Should Ask Your Lawyer Before Taking A Housing Loan in Malaysia, another book under Ask The Lawyer series. I am targeting for it to come out next year, 2014. Do get my new book 40 More Questions You Should Ask Your Lawyer Before Buying a Residential Property in Malaysia <a href="http://www.bookplanet.com.my/index.php?target=products&mode=search&subcats=Y&type=extended&avail=Y&pshort=Y&pfull=Y&pname=Y&pkeywords=Y&cid=0&q=Khairul+Anuar+Shaharudin&x=6&y=5">here</a>. Any questions, comments and inquiries are welcomed.</i></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Times New Roman","serif";"><i><br /></i></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Times New Roman","serif";"><i>CCRIS and CTOS are credit reporting agency, a newly-governed industry in Malaysia. People applying for housing loans in Malaysia will have their financial information checked by the financial institutions they are applying the housing loan to. Here is excerpts for one of the question in my book under the title above :</i></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Times New Roman","serif";"><br /></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Times New Roman","serif";">Central Credit Reference
Information System (CCRIS) is an online credit checking system operated by Bank
Negara Malaysia with all Malaysian’s resident’s credit information in the
system. As long as that person has an identification card and credit history,
he can check his credit history in CCRIS. CCRIS is managed by the Credit Bureau
of the Bank Negara Malaysia since 1982 and formed under the Central Bank of
Malaysia Act 1958. The Credit Bureau collects the credit information of any
borrower from all financial institutions in Malaysia and then issue a credit
report when it is requested by any of the financial institutions governed by
Bank Negara Malaysia. Central Credit Reference Information System is a
computerised database and there is nearly more than nine millions borrowers’
credit information currently being stored by Central Credit Reference
Information System. All the information about the function of Credit Bureau and
Central Credit Reference Information System, can be found in the Bank Negara
website on Credit Bureau : </span><a href="http://creditbureau.bnm.gov.my/"><span style="font-family: "Times New Roman","serif";">http://creditbureau.bnm.gov.my</span></a><span style="font-family: "Times New Roman","serif";">. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Times New Roman","serif";">The financial institutions are
required to report the name, identification number, address and credit facility
details such as type of credit facilities, credit limit, outstanding balance,
conduct of account and any legal action status. A borrower can check your Central
Credit Reference Information System report at Bank Negara or Bank Negara’s various
branches in Malaysia. A borrower cannot ask a representative to check his own Central
Credit Reference Information System report. Under the various banking laws
including Banking and Financial Institutions Act 1989, Islamic Banking Act 1983
and Central Bank of Malaysia Act 1958, confidentiality is imperative in dealing
with Central Credit Reference Information System report. It can only be
released with a financial institution authorised by an applicant for a housing
loan or any other loans to get the Central Credit Reference Information System
report from the credit bureau. Upon getting the Central Credit Reference
Information System report, the financial institution and its officer can only
use it to process the loan and not use it for anything else such as marketing
its products<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Times New Roman","serif";">Financial institutions giving
housing loans or any other loans to borrowers in Malaysia need up-to-date
information about the applicants of the loans. Central Credit Reference
Information System is where these financial institutions go in order to get the
credit history of the borrower. The Credit Bureau sourced the information from
all licensed commercial banks, Islamic banks, investment banks and several
other financial institutions. In order to ensure the borrower’s data is
up-to-date, verifications are done against the data at the National
Registration Department and Companies Commission of Malaysia. Here are the list
of information listed in the Central Credit Reference Information System report
:-<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif";">Outstanding
credit including housing loan, hire purchase, credit card, overdraft and
personal loan;<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif";">Special
attention account under close supervision by any financial institution; and<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">3.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif";">Application
for credit<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Times New Roman","serif";">All these three types of
information will be for anything under the applicant’s own name, joint name
with another person, sole proprietorship, a partnership or a professional body.
<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Times New Roman","serif";">Any account fully settled or
application rejected, deleted or cancelled are not included in the report.
Credit repayment behaviors are listed at the end of the report for outstanding
credit report or special attention credit report with 1, 2 or 3 or more stated
according to the month in a year for the last twelve months. These can affect
certain loan application, including housing loan. Any financial institution
processing an application from an applicant of a housing loan will give special
attention to any account with late or missed monthly installment payments, high
debt servicing ratio between the borrower’s take home income and the debt the
borrower already have, high utilisation of approved credit such as credit card,
too many loan applications and any loan under litigation or special attention
account. Unless it can be disputed, it is good for a borrower to clear some of
the debts before applying for a housing loan.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Times New Roman","serif";">Any borrower can dispute your
credit report in Central Credit Reference Information System by first going to
the bank which has entered the wrong information and then at any of the Bank
Negara branch. Any financial institution supplying the inaccurate report must
rectify any inaccurate or incomplete information immediately by sending it to
the Credit Bureau. The financial institution is obligated to reflect the latest
credit position of the borrower. A data review by the Credit Bureau can be done
if the borrower is not satisfied with financial institution. The borrower can
get and filled the Request for Data Review form to do a data review. It can be
downloaded from the Credit Bureau website and then submitted to any Bank Negara
Malaysia’s branches.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Times New Roman","serif";">Credit Tip Off Service (CTOS) is
a different form of credit report used by some financial institutions in
Malaysia. Credit Tip Off Service is not related to Bank Negara Malaysia or any
government agency and it is not endorsed by any of them. Credit Tip Off Service
is run by CTOS Data Systems Sdn Bhd, a private company, better known as CTOS
Sdn Bhd. The website for CTOS Sdn Bhd is </span><a href="http://www.ctos.com.my/"><span style="font-family: "Times New Roman","serif";">http://www.ctos.com.my/</span></a><span style="font-family: "Times New Roman","serif";"> with its office in Megan Avenue
1, Jalan Tun Razak, Kuala Lumpur. CTOS Sdn Bhd collects data made public in
news, court filings of legal proceedings allowed to be made public by the
court, Companies Commission of Malaysia, information provided by the borrower
and any of the borrower’s creditors, people or companies the borrowers
registered with such as clubs, memberships and even include utilities
companies. CTOS Sdn Bhd also collects a person’s directorship in companies
either listed or not and all his sole proprietorship or partnership holdings.
CTOS Sdn Bhd is registered under Credit Reporting Agencies Act 2010 and
governed by the Securities Commission of Malaysia. Any refusal by CTOS Sdn Bhd
to update its record can now be reported.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Times New Roman","serif";">A few people claimed Credit Tip
Off Service is an illegal gathering of information by a private company and is
a blacklist. There a few evidence of this as CTOS Sdn Bhd is a company
gathering information made public relating to credits and liabilities. CTOS is
a lead information system with clients that need to check a particular person
or company’s background, especially financials, in their normal course of
business such as bankers, legal firm, insurance company and credit card
companies. CTOS Sdn Bhd does not update their database or delete a settlement
on any of the borrower’s case automatically unless the borrower or the person
being checked informs CTOS Sdn Bhd of such matter. CTOS Sdn Bhd also claims it
is not a blacklist report. Having a credit report under CTOS Sdn Bhd does not
mean an applicant of a housing loan will not get approved. Applicants may receive
a rejection from the bank the borrower is applying for a housing loan with the
word ‘CTOS issue’ and the best course it to get in touch with CTOS Sdn Bhd to
know what is the issue if the bank is unwilling to divulge the information.
Getting credit especially a housing loan from a financial institution is still
about the borrower proving himself to be credit worthy. Any data from CTOS Sdn
Bhd is a public record and a borrower can get this record at his disposal too.
A settled court case or a bankruptcy already being settled will have proofs and
the borrower can update the financial institution the borrower is applying the
housing loan with the proof.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Times New Roman","serif";">The difference between Central
Credit Reference Information System report and Credit Tip Off Service report is
the weight given to each report. Most financial institutions give more weight
by rejecting a housing loan application when they found the applicant has a
‘CTOS issue’. Central Credit Reference Information System is run by Credit
Bureau under Bank Negara Malaysia, with banking laws to back the collection of
information. Credit Tip Off Service is not imposed on financial institution as
it is not run by any government agency but is supervised by Securities
Commision. Other than these two agencies, there are several other credit
reporting agencies such as Financial Information Service Sdn Bhd (FIS) and SME
Credit Bureau Sdn Bhd. The unscrupulous use of a borrower’s or an individual’s
information, especially financial information by any agency under Credit
Reporting Act 2010 shall be reported to Securities Commission. With the coming
of the Personal Data Protection Act 2010, the usage of personal data on
individuals by financial institutions are now under another layer of scrutiny
including disallowing the financial institutions’ credit department to divulge
an applicant’s or a borrower’s data to its marketing department unless
expressly allowed by person.<o:p></o:p></span></div>
</div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-44153879672803691022013-03-13T18:46:00.000+08:002013-03-13T18:46:50.716+08:0040 More Questions You Should Ask Your Lawyer Before Buying A Residential Property in Malaysia<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://2.bp.blogspot.com/-B7bVobTtdmg/UTiX0hTkUhE/AAAAAAAAFBA/95F1vFFipjU/s1600/371302" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="300" src="http://2.bp.blogspot.com/-B7bVobTtdmg/UTiX0hTkUhE/AAAAAAAAFBA/95F1vFFipjU/s400/371302" width="400" /></a></div>
<br />
<br />
<div style="text-align: justify;">
My new book is out. It is now in bookstores around Malaysia. You can get it at those bookstores like MPH, Kinokuniya, Popular and others. If you cannot get it there, get it online here at my publisher's online bookstore :</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<a href="http://www.bookplanet.com.my/index.php?target=products&product_id=241">Book Planet link for 40 More Questions You Should Ask Your Lawyer Before Buying A Residential Property in Malaysia</a></div>
<div style="text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjc3O5giQjmo1H96CFGyyetSAgq6VBgJjjg3BDAV_oPR0_oV5ZRfczkKmhUXODMEuNdZM5555LG23u3jQHydgT922ptPnt2eopxnkA238dRxcthQvElhwK75k2VFNh8RXsLBcpo2vlfPAM/s1600/askthelawyer.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjc3O5giQjmo1H96CFGyyetSAgq6VBgJjjg3BDAV_oPR0_oV5ZRfczkKmhUXODMEuNdZM5555LG23u3jQHydgT922ptPnt2eopxnkA238dRxcthQvElhwK75k2VFNh8RXsLBcpo2vlfPAM/s320/askthelawyer.png" width="226" /></a></div>
<div style="text-align: justify;">
If you still have not buy my first book, you can get it online too at this link :</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<a href="http://www.bookplanet.com.my/index.php?target=products&product_id=127">Book Planet link for 40 Questions You Should Ask Your Lawyer Before Buying A Residential Property in Malaysia</a></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Or its Bahasa Malaysia equivalent :</div>
<div style="text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAGc0XjZuP7oFaal5FwsoXSggTOk9KYGDKlnn2vvV_fnh-YoaI8G_EK89w3VRPXEMTZlnM_zrHJ9lOaPtdR1_TIXGomwNRdyRJAtP2cBCN_KzZCRt9Ls7hO63vu9CzCpoSd_haQZkWT_0/s1600/tanyalahpeguam_9p5mm+copy.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="219" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAGc0XjZuP7oFaal5FwsoXSggTOk9KYGDKlnn2vvV_fnh-YoaI8G_EK89w3VRPXEMTZlnM_zrHJ9lOaPtdR1_TIXGomwNRdyRJAtP2cBCN_KzZCRt9Ls7hO63vu9CzCpoSd_haQZkWT_0/s320/tanyalahpeguam_9p5mm+copy.jpg" width="320" /></a></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<a href="http://www.bookplanet.com.my/index.php?target=products&product_id=133">Book Planet link for 40 Soalan Yang Patut Anda Tanya Peguam Anda Sebelum Anda Membeli Rumah di Malaysia</a></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
The Bahasa Malaysia version of the new book is still being edited and hoping for it to come out in April 2013.</div>
</div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-46706239458967531422013-02-07T08:00:00.000+08:002013-02-07T08:00:05.393+08:00Update on 40 More Questions You Should Ask Your Lawyer Before Buying a Residential Property in Malaysia<div dir="ltr" style="text-align: left;" trbidi="on">
As of 6th February 2013, I have finally edited the final draft of the manuscript for 40 More Question You Should Ask Your Lawyer Before Buying a Residential Property in Malaysia. I have also sent the first draft of the Bahasa Malaysia equivalent of the book entitled 40 Lagi Soalan Yang Anda Patut Tanya Peguam Anda Sebelum Membeli Rumah Kediaman di Malaysia.<br />
<br />
I was told by the publisher the book will be sent for distribution in April 2013. As the first book is still selling well, there will be a reprinting to ensure the books will be sold side by side. My publisher, True Wealth Sdn Bhd is now doing its own distribution.<br />
<br />
The first book has been a great marketing tool for my medium-sized legal firm. As I was told by Azizi Ali who is someone I learned how to invest in property 13 years ago and is now a friend, a client and a mentor, it is better to hand someone a book with your name written on it than a business card.<br />
<br />
Thanks to my first book, I became more than just a lawyer. I am now a lawyer, an author, a speaker and even a point of reference for prominent people. Last Monday I met Mr. Piya Sosotikhul, the grandson of Boonsom Boonyanit of the Boonsom Boonyanit vs Adorna Properties fame who now has a Facebook page <a href="http://www.facebook.com/pages/Justice-for-Boonsom-Boonyanit-vs-Adorna-Properties/133436133476365?group_id=0">Justice for Boonsom Boonyanit vs AdornaProperties</a> as he found me through my book. An honor and I can consider it as a landmark in my career as a lawyer. Mr. Piya was looking for an avenue to help more than his family as he learned how his family's case has become a landmark in Malaysia legal system.<br />
<br />
I am writing my next book which will unravel the mystery of housing loan. The working title is 40 Questions You Should Ask Your Lawyer Before Taking a Housing Loan in Malaysia under the Ask the Lawyer series of book.<br />
<br />
I don't have any picture to share on the cover of the book yet. Maybe I will update it on this same page when I have it. Till the next update!</div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com4tag:blogger.com,1999:blog-2989656264827489997.post-38068547138642469302012-10-17T11:44:00.003+08:002012-10-17T11:44:45.143+08:00Real Property Gain Tax in 2013<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="text-align: justify;">
This is an update from my blog post in 2011 about the Real Property Gain Tax (RPGT) in Malaysia for the current year 2012. You can go to the blog post <a href="http://kruel-legalcat.blogspot.com/2011/10/real-property-gain-tax-in-2012.html">here</a>. That blog post explains about how does the Real Property Gain Tax in Malaysia works.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
It was announced in Budget 2013 that the change for Real Property Gain Tax in Malaysia for 2013 is the addition of 5% to the current 10% RPGT for the sale of property which was bought 2 years from the date of the Sale & Purchase Agreement and the addition of 5% to the current 5% RPGT for the sale of property which was bought between 2 years and 5 years from the date of the Sale & Purchase Agreement. On the 6th year, there will be no Real Property Gain Tax levied on the sale.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
As such, here is the rate which will be in force from 1st January 2013 :</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Sale of property between 0 to 2 years of purchase : 15% RPGT</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Sale of property between 2 to 5 years of purchase : 10% RPGT</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Sale of property after 5 years of purchase : 0% RPGT</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
As I had advised in the blog post about RPGT in 2011, adjust your property investment accordingly.</div>
</div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0tag:blogger.com,1999:blog-2989656264827489997.post-35302631813055946342012-09-24T16:38:00.000+08:002012-09-24T16:38:41.872+08:00Property Manager : Regulated Professionals?<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhcdHYH0Y1sIJi6-IxlneATXiauEq4FK3uTBkBzigKejeNXpoMX9QQKGxrBHR4THnhLLjZAf9DMUJME2jSl6izrZsOKb-xA2UASo2rciKB6pqNwy3yrhE3U2rrt-gKRsRmns55oDU4TFC0/s1600/IMG06480-20110705-1430.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhcdHYH0Y1sIJi6-IxlneATXiauEq4FK3uTBkBzigKejeNXpoMX9QQKGxrBHR4THnhLLjZAf9DMUJME2jSl6izrZsOKb-xA2UASo2rciKB6pqNwy3yrhE3U2rrt-gKRsRmns55oDU4TFC0/s320/IMG06480-20110705-1430.jpg" width="320" /></a></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
In my new book, 40 More Questions You Should Ask Your Lawyer Before Buying A Residential Property in Malaysia, I tried to tackle the issue of living in strata developments in most part of the book more than anything else. The process and the dynamic of living in strata developments are a different kettle of fish than living in landed properties. It all comes down to how does the housing developer of a strata development handles the process of getting the individual strata titles. As this process is being handled, the management of the strata property is also a matter which can elevate the status of a housing developer or can be a bane to it. </div>
<div>
<br /></div>
<div style="text-align: justify;">
The three stages of managing a strata property starts the moment vacant possessions are passed to the purchasers. In the first year from that date, the management will fall on the housing developer. Upon the anniversary of one year from the date of the passing of the vacant possessions, the housing developer must passed the management of the strata development to the Joint Management Body consisting of all the owners, who were once purchasers of the strata development together with the housing developer. The Joint Management Body will then formed the Joint Management Committee who will be the council which will manage the strata development. When the strata properties in the strata development have been issued with individual strata titles, that is the moment the management will pass to the Management Corporation which is the owners in the strata development, managing the strata development all by themselves.</div>
<div>
<br /></div>
<div style="text-align: justify;">
It may seem easy to manage a strata development if not for the intricacies involved in pleasing every each property ow within it. That is why property managements are needed in ensuring strata developments are properly managed. That is why the Building and Common Property (Maintenance and Management) Act 2007 which governs the conducts of Joint Management Body/Committee allows for the appointment of agents to help manage the common property and the strata development as a whole. The Strata Titles Act 1974 also recognised the need for property managers and allows it if the Management Corporation decided to do so. This Building and Common Property (Maintenance and Management) Act 2007 and the Strata Titles Act 1974 actually works hand in hand with the Valuers, Appraisers and Estate Agents Act 1981. This Act which is also known as Act 242 helps housing developers, Joint Management Bodies and Management Corporations, together with the owners of strata developments, choose the best property management agent for their strata development. Currently, Act 242 is in the midst of being amended. Let us look at the amendment to Act 242 in detail. The excerpt below is from a press release by Malaysian Institute of Professional Property Manager.</div>
<div style="text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlcyW8HuEoaRxvuMnnjhLpSKIlIwYbnH4SYV4ZFbeqqXhNSFa_1uKPn_ZLCixlmVZzfaa59qyjSmmuHEtmdEszJhLjLPwDcqEv6LSufqLbDkanw8EjKeljBWV5n7Zl-xNtpvZraK99Vxs/s1600/IMG06506-20110705-1931.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlcyW8HuEoaRxvuMnnjhLpSKIlIwYbnH4SYV4ZFbeqqXhNSFa_1uKPn_ZLCixlmVZzfaa59qyjSmmuHEtmdEszJhLjLPwDcqEv6LSufqLbDkanw8EjKeljBWV5n7Zl-xNtpvZraK99Vxs/s320/IMG06506-20110705-1931.jpg" width="320" /></a></div>
<div style="text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<div style="text-align: justify;">
The Valuers, Appraisers and Estate Agents Act 1981 provides legislative regulatory control by the Board of
Valuers, Appraisers & Estate Agents Malaysia (the Board) on a property
manager, be it a person, firm or company, who is carrying out property
management services for a fee. In order to improve the regularization of the professional
property management practice, the Board formulated and implemented the Property
Management Standards on 1 June 2010. Besides its clear and timely objective to
safeguard the interest of the public from unscrupulous and illegal property
managers, it is also to tighten the corporate governance legislative framework which
gives the profession a code of conduct within which they are allowed to
operate. The provisions regulate the professional ethics; and more importantly
the fiduciary duties and obligations of property managers.</div>
<div>
<span style="text-align: justify;"><br /></span></div>
<div>
<div class="MsoNormal" style="text-align: justify;">
<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
While it follows that property
managers are governed by the above guidelines, the rapid progress in the
property and building industry has given birth to a breed of unlicensed
property managers that has been taking the profession for granted. Operating
without any license, it could safely be said that a majority of this group are
also operating without any background, skills or experience in the field. This
in turn has created a lot of problems to home owners. On a regular basis, we
would read or watch on the local news, incidents of misconduct or sheer
negligence on the part of unlicensed property managers who have failed to
perform their duties, and the affected home owners are left with no recourse on
liability. The proposed amendment is set to rectify this problem - to further
protect the public’s interest, particularly its physical and financial well
being. </div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Professional property management
practice is a specialized profession involving specialized training, knowledge
and skills on subjects which include but not limited to, building maintenance,
facilities and services management, financial management, property laws and
insurance management. Every professional in property management practice for a
fee must hold a professional degree in Property Management or Real Estate
Management and must be duly registered by the Board. Valuers, who are trained
in the art and science of property management which incorporates valuation,
land economics and other skills, are first and foremost qualified property
managers having obtained their degree in Estate Management or Property
Management. After obtaining these degrees, registrants will have to undergo two
years of training and pass a Test of Professional Competence. Further, continuous
professional development of ten hours per annum must be exhausted in order to
remain registered which also makes them eligible for Professional Indemnity
Insurance. Anyone who fulfills the above requirements is rendered fit to offer
services relating to real estate which include property management, estate
agency, consultancy and valuation. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
The proposed amendments to Act
242, amongst others, provides the proposed opening of a Register of Property
Managers under the Act, to encourage all unlicensed property managers, under
certain criteria, to register with the Board ensuring proper control. Whether
they are named managing agents, building managers or valuers, if they are
offering the services of a property manager for a fee, they must be registered.
<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
The question of ‘monopoly’ and
that ‘the opening of the Register is inconsistent with Competition Act, 2010’
should never have been raised here. As in every professional career that
requires the knowledge of a core discipline and the need to be registered for
professional practice, such as architects, engineers, doctors or lawyers, it is
this same spirit that is put forward by the initiative to amend Act 242. Would
you also say that the law which requires all lawyers to be registered and licensed
has created a monopoly in the profession among licensed lawyers? If you would
not risk your life on an unlicensed lawyer (or any other professionals who are
in charge to safeguard and protect the public’s well being), why would you risk
your life on an unlicensed property manager? <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
It is very important to note that
registered property managers who are found to be negligent are subject to
disciplinary actions under the Act and may even face disbarment from practicing
– which will make the licensed property managers more responsible, failing
which they might be in danger of losing their license and will eventually, be
out of business. They can also be expected to comply with all the laws attached
to the profession, as well as their fiduciary duties, such as providing audited
accounts for public viewing which is one of home owner’s basic rights. Having
said that, it is to be emphasized that building owners have all the right to
manage their own properties, and Joint Management Bodies (JMBs), Management Corporations
(MCs) and shopping centre owners can manage their own buildings or hire a
registered property manager of their choice. The Act 242 only applies to those who
practise property management and offering services as a property manager for a
fee.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Another misconception is that the
fee involved in appointing a licensed property manager is expensive. Contrary
to what was said, the minimum management fee payable to a registered property
manager is in fact, RM50 per holding per month, and not per unit. This has been
clearly defined in the Local Government Act for subdivided buildings as “the
Common Property and any parcel thereof” – which clearly provides that the
minimum fee is RM50 per common property. To say that the management fee is RM50
per unit is not only wrong, but disregarding the fact that property managers
are not managing individual strata units but only the common property.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOJ2P2Pl8ILfQg3AsqEI94Tzh5UZ5cXf7YvM7RfiDHYC3AJ_0mO5E1tQl6MBjIlliI1KE95jWjRd752Erh0tioOJaDY2eIhRQa4OROzaQWeXtfGEZjmeA7tiCTlZmtsOgtN7Jgank3vAs/s1600/IMG06504-20110705-1931.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOJ2P2Pl8ILfQg3AsqEI94Tzh5UZ5cXf7YvM7RfiDHYC3AJ_0mO5E1tQl6MBjIlliI1KE95jWjRd752Erh0tioOJaDY2eIhRQa4OROzaQWeXtfGEZjmeA7tiCTlZmtsOgtN7Jgank3vAs/s320/IMG06504-20110705-1931.jpg" width="320" /></a></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
It is a fact that property
managers not registered under the Act will face difficulty obtaining indemnity
insurance cover. Even if they do obtain it, if something goes wrong and a claim
is filed, the insurance company may deny compensation on the grounds that the
property managers are not legitimate, simply because they are not registered
with the Board. The importance of an indemnity cover cannot be stressed enough.
The basic terms and conditions of a Management Agreement between a Joint Management Body or Management Corporation and the property manager must provide indemnity cover because the two parties
will eventually be exposed to risk if the companies or people they entrust
their duties to are negligent or reckless in performing their duties. Taking
the coverage will also be of comfort to the individual property manager as he will
not have to suffer in his personal capacity in the event that he is sued for something
outside his control. In this, the benefit works for both home owners and the
licensed property managers themselves.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
The task of a property manager is
not simply “administrative” in nature. It requires clear judgment, immediate
reactions to complaints, good communication skill, trustworthiness, ethics and
a lot of other skills, values and competencies which comes through education,
training and experience. A good property manager is expected to manage
properties under its portfolio as if it were his own, paying a great deal of
attention to every management detail, not limited to just the physical asset. In
no way is the proposed amendment denying the fact that there are unlicensed
managing agents out there who are absolutely competent and capable of
performing their duties. What the Board is submitting is that, one may continue
to practise as a professional property manager as long as one is registered under
the Act so that their duties in managing their strata estates can be made
clearer - ensuring the quality and professionalism of services rendered to the
public at large is maintained at the highest level. In short, the amendment of
the Act 242 ensures corporate governance, transparency and protection of the
public.<o:p></o:p></div>
</div>
<div>
<br /></div>
<div>
Let us hope that the proposed amendment which will be tabled at the Parliament very soon will help raise the standard of property managers and make them into a regulated professional body like the other well-known professionals such as lawyers, doctors and engineers with guidelines and professional indemnity insurance.</div>
<div>
<br /></div>
<div>
<br /></div>
<div>
<br /></div>
</div>
Legal Cathttp://www.blogger.com/profile/04859476049440029616noreply@blogger.com0