First time buying property, may need some advice

Freemasonry — Thu, 21 Mar 2019 02:51:34 +0800

Good day ladies & gentlemen,

Im currently looking at Sime Darby property @ East Residence - Alya

Ive been unable to find a proper market rate of this said property, was it 3.2mil or more?

A little background of me, which i hope it may be of useful when giving me advise financially, to be noted that this is my first time buying property.

Background:

Age: 31 Single
Occupation: Management Director
Industry: Natural, Marine, Agricultural and Food Sciences

Financially:
1. My monthly income is MYR 85,000.00, on which:

1.1 KWSP: (Employer 13% / Myself 11%)

2. I also have another own trading business, on which in monthly average basis:
2.1 Income: MYR 60,000

Personal Income-Tax 2018:
LHDN: Ive contributed a total of MYR 406,854.00 on 2018

Commitment:
Currently i'm only serving my car loan at MYR 10,438.00 and will be ended by July 2019, after which, i will no longer has any commitment. My credit card in CCRIS has been good as i do not owe any credits. Paid on time for the past 3 years.

Apart from the car, i don't really spend much of my income, except on my rental at RM1,500.00 monthly, utilities around MYR 500.00 (Phone, unifi, and water and electricity), foods around MYR 2,000 and sometimes do some grocery and shopping which is around RM500.00. On some occasion, i may pamper myself with some fine dinning, once a month at MYR 300-400/meal. That's all.

I give my parents MYR 10,000.00 / month for their expenses.

My questions are:
1. Anyone has any idea whether this property is good? Whats their workmanship, people around, and the environment, from the ads ive seen, it has been good. Im currently overseas and may not be able to come back the soonest to visit the place, am planning to just go by feelings and purchase the property.

2. What about the maintenance fees of this property, how much does it cost and does it worth it?

3. Will bank give me a loan of say 30 years?

4. What if i DP 20-30% and loan for max tenure, then perhaps when i have more cash, can i just finish paying in lump sum say within the next 10 years instead of 30 years, even tho my agreement with bank maybe 30 years.

Your advise and input is greatly appreciated.

Thank You.

Freemasonry : General Knowledge

Freemasonry — Sat, 15 Apr 2017 00:53:56 +0800

Often, many people talk about Freemasonry, and many have wrongful thoughts of it, i'm also pretty sure some are interested at freemasonry, some, not. Whatever it is, you may want to read this newbie guide of Freemasonry, and you are always welcome to ask any question you have and i will try my best to answer if asked appropriately. Please also read the general rules on this threads.

...and believe me, what you see on the internet are mostly a stupid assumption, you want the truth, im providing the truth. I'm a mason, initiated in London.

BE NOTED THAT THIS THREAD SERVE NO PURPOSE OF INVITING OR CONVERTING, FREEMASONRY ARE ONLY BY INVITATION WITH STRICT CRITERIA(S).

Rules:
1. Be courteous to all, and respect the opinion of others.
2. That you are a freeman, and speak by your own will.
3. Put harmony in place.
4. No religion and Politics allowed.
5. Serious discussion only, no trolling allowed.

1.0 Introduction
What is Freemasonry?
Freemasonry is one of the world’s oldest and largest non-religious, non-political, fraternal and charitable organisation. It teaches self-knowledge through participation in a progression of ceremonies. Members are expected to be of high moral standing and are encouraged to speak openly about Freemasonry.

How did Freemasonry originate?
Masonic scholars are not sure at what point in time our Craft was born. Every Mason knows it goes far beyond written record, and we believe it was not always called Freemasonry. Some of the ancient mysteries of Egypt, Greece and the Orient influenced the ceremonies Masons use today. These ceremonies were desinged to test men, to allow only those who were worthy to be admitted. Our ceremonies are somewhat the same, less physical in nature, and more spiritual in form.

What caused the transistion from "Operative" to "Speculative" Masonry?
Operative masonry can be traced back to the Middle Ages and beyond. Operative masons back then formed groups with structures similar to ours today. They had officers and stations just like ours. Other men were admitted only after they had served a number of years of apprenticeship. This is the source of the first degree, the Entered Apprentice.

What is the difference between "Operative" and "Speculative" Masonry?
Operative refers to the time in our history when masons actually did the physical labor of building. They were the best at their craft, and they kept secret their methods of building. Speculative refers to the peroid of time when men were accepted into the Craft without being physical builders, but rather were spiritual builders. In general, today the mason are speculative mason.

The Constitution of Freemasonry
Not all Freemasonry are the same, there are these three major constitutions, namely the English Constitution, the Scottish Constitution and the Irish Constitution and English Constitution being the oldest in the world.

Who Govern the Constitution of Freemasonry?
The Grand Lodge govern the constitution of Freemasonry.

Are there any difference between the three constitution?
Yes, but mainly the customary and culture, the objective of Freemasonry teachings in general remain the same.

Q&A (To be updated - You may also try to answer for educational purposes)
1. How many degrees are there in Freemasonry?
2. Are there any women in Freemasonry?
3. Is Freemasonry a religion body?
4. Can anyone join Freemason?
5. Why do some churches / religion dislike Freemason?

To be continue....

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First time buying property, may need some advice

Freemasonry : General Knowledge