Buying a plot of land or an apartment? Find out which one serves you best

Saving up to buy property takes commitment and a lot of sacrifice. When the time is finally right to invest, home buyers are now faced with a real conundrum; to buy a plot or an already built house. All the options are viable in their own right, but you want to go with what works best for your situation. 

There is a lot to consider apart from one’s own preferences and desires, because it’s not a small investment. Furthermore, the decision you make has long-term implications which you have to consider carefully so that you don’t end up cursing yourself. 

Here is what you need to think about, whether looking at land for sale or apartment for sale:

Cost of investing

It goes without saying that this would be the first thing to consider when thinking about owning a property. Property prices are influenced by many factors such as location and size. In most cases it is cheaper to buy a plot than it is to buy an apartment. You should, however, consider how much it will cost you to erect a building on the piece of land. In the case of apartments, you are buying a house that is ready to live in and there is no more real expenditure after you complete the buying process.

How it appreciates in value 

The main thing to consider here is the location. It is the single factor that mostly determines how the piece of land will appreciate. In stable markets, the plot will rise in value much faster. The main reason is because it is easier to develop a plot than build a structure. As such, the value of your investment will rise faster within a short time.


The metrics of supply and demand also play in favor of plots. It’s a given that land becomes scarce over time. The scheme of things in such scenarios is that, plots appreciate faster in value than apartments. Land is not subject to the law of diminishing returns. Unlike plots that have a variety of options when it comes to building, apartments are limited to their layout. Moreover, apartments rise in value over a certain period of time and then start to diminish because of factors such as dilapidation and changing market trends.

While it may seem that a plot is the best option due to how it appreciates, you still have to consider location. Most people will buy plots according to predictions about growth of the place which is followed by a rise in demand for land. However, if the infrastructure around the place does not develop allowing a town to materialize as expected, then things go south.

Generating income

Land ranks terribly when it comes to income generation. Renting out land does not fetch much of an income. On the other hand, apartments are ready to go as soon as they are complete and you can get 3-5% of the property’s value in rent each year. You couldn’t possibly get that much if you just had land with nothing on it. 

Renting out land can also become tricky if the tenant takes things to court. The land will stay without generating an income through this time.

Taxation and help from banks

In these two instances, taxation is different. When you borrow from the bank to buy an apartment, the process is easy; what is more, you are entitled to some tax deductions if you buy an apartment. You get tax deductions on interest paid on the loan for a financial year. You also get tax deductions for settling the principal.

When you buy land to build a house, you are also eligible for the same tax exemptions but these are only accessible from the year the house is finished. If you buy the land and have no intention of building on it then there are no tax exemptions available unless you rent it out. You will have to pay wealth tax on the land if it lies in an urban area and exceeds the size- in square meters, allowed by the council for tax exemption.

Other risks involved

It is important that you know what you are getting yourself into before you make the move. Apart from the issues that arise directly from the choice you are going for, there are external factors that play in. Most property fraud happens when dealing with land. There is a high chance of encroachment when the land is vacant. Secondly, plots are known to be sold to multiple owners, when this gets to litigation the land remains dormant.



What is your comfort zone?

After you have weighed all the options and found your stance in every aspect, it is important to think about what you want. When you choose to buy an apartment, you are freed from the hustle of finding an architect, running around seeking the requisite council documents or dealing with contractors. You get the house ready to move into. Apartment owners also enjoy services such as power backup, pools, fitness clubs and such which improve the quality of life. Buying a plot means you will have to forego all of these and build everything for yourself, which is not a small investment.

Bottom line

Before you can delve into property investment, you need to find the right people to deal with through the process; people with a track record. This ensures that you get a fair deal no matter which route you choose to take. For buyers who don’t intend to keep the property for long then an apartment is the right choice. The factor of depreciation becomes negligible if the apartment is not kept for a long enough time for depreciation to take effect. 

When you think about it though, there is a sense of possession that comes with building your own home from scratch. Everything is designed as you like it and you can start immediately you acquire the land. 

Each decision promises to have long term and short-term benefits, sometimes one outweighing the other. However, whatever one option loses in terms of the immediate benefits, it makes up for in long-term gains. Therefore, it all lies in your requirements

Rawlins GLAM
012.280.1977
Shopee Malaysia, online selling, online shopping, Crack The Code, Show Your Crack, byrawlins, online contest, Instagram contest,
Your day will cursed upon seeing this
Oh God no!
No that crack, please!

The crack on your phone!
On your phone!
Yes, that one item that somehow seems like an extension of your fingers.
Shopee Malaysia, online selling, online shopping, Crack The Code, Show Your Crack, byrawlins, online contest, Instagram contest,
Kidding aside, Shopee Malaysia is currently looking for people with cracked smartphone screen to win a brand new Huawei P9!
You heard it right!

Take a picture of your cracked screen or your friend's cracked screen, post in on your instagram. Remember to put #ShowYourCrack and #ShopeeMY so that Shopee Malaysia can detect your entry. And please, make sure that your account is public too.

Be creative and put some drama in your pictures please!
Shopee Malaysia, online selling, online shopping, Crack The Code, Show Your Crack, byrawlins, online contest, Instagram contest,
Oh yes.
If you can't find any cracked screen anywhere, you are more than welcome to smash your own screen or your friend's, but that is not a guarantee that Shopee Malaysia will award you with the new Huawei P9. Hehe.
Shopee Malaysia, online selling, online shopping, Crack The Code, Show Your Crack, byrawlins, online contest, Instagram contest,
And starting from 21 - 28 February, there will be another 'Crack' game and no, it is not where you show your crack too. This time it is for you to 'Crack The Code' daily and stand a chance to win a mobile phone, daily too!

What should you do?
Just share the Shopee FB Post along with your code and wait for the announcement at 10 pm daily.

Easy right?

See you.
Gonna look around for the unknowing prey so that I could smash his/ her screen and join the contest!
Rawlins GLAM
012.280.1977 
I love to eat.
I have sweet tooths.
I can complain about how bad the food is.

But I am bad in cooking.
I can only cook for myself and nobody else (afraid of comments from other much).
But at times, I love to create a lil' dessert for my own consumption as I can never guarantee other's health after eating my creation.

As I love my coffee that much, I tried a lil' recipe with the Pokka coffee range ie Pokka Premium Milk Coffee and Pokka Cappuccino.
byrawlins, Cappuccino. Coffee Lover, Coffee, halal, Pokka, product review, real brewed, Superior Taste Award, dessert, Premium Milk Coffee, easy dessert recipe, simple dessert recipe
For the one you love (in my case, for myself)
I named it 'Pokka Sejuk Menusuk Jiwa, Dihatiku Ada Kamu' as it really is cool, soothing and your name might be the talk of the town too if you play the card right. Hahaha.
It is pretty simple to make as I am a person of simplicity.

Here's what you will need for one flavour. In my case, as I prepared the recipe separately for each drink, so that will be 2 of each:
  1. 1 packet of unflavoured gelatin
  2. 1/4 cup of cold water 
  3. 1.5 cups of Pokka coffee range (I used  Pokka Premium Milk Coffee and Pokka Cappuccino)
  4. 1/4 cup of sugar
  5. 1/2 cup of heavy whipped cream
byrawlins, Cappuccino. Coffee Lover, Coffee, halal, Pokka, product review, real brewed, Superior Taste Award, dessert, Premium Milk Coffee, easy dessert recipe, simple dessert recipe
Pokka Premium Milk Coffee
byrawlins, Cappuccino. Coffee Lover, Coffee, halal, Pokka, product review, real brewed, Superior Taste Award, dessert, Premium Milk Coffee, easy dessert recipe, simple dessert recipe
Pokka Cappuccino
Here's the video for your kind perusal. 
#JanganMengata


As I have mentioned before, the ingredients mentioned above is for one flavour. So, I repeated the same step for my second flavour of Pokka drink.
byrawlins, Cappuccino. Coffee Lover, Coffee, halal, Pokka, product review, real brewed, Superior Taste Award, dessert, Premium Milk Coffee, easy dessert recipe, simple dessert recipe
byrawlins, Cappuccino. Coffee Lover, Coffee, halal, Pokka, product review, real brewed, Superior Taste Award, dessert, Premium Milk Coffee, easy dessert recipe, simple dessert recipe
Once the gelatin is set, you can start whipping the cream. I tried my might to whip the cream but apparently, the brand of whipped cream that I used will not thicken to a quality that I wanted it to be. Thus, the whipped cream became more like a liquid topping to the gelatin as per in the picture.

So, to ensure prettier toppings to your gelatin, get the canned whipped cream where you can just spray it on the gelatin.

But hey, the ones that I made was delicious!
byrawlins, Cappuccino. Coffee Lover, Coffee, halal, Pokka, product review, real brewed, Superior Taste Award, dessert, Premium Milk Coffee, easy dessert recipe, simple dessert recipe
The desserts to win the heart of the loved ones
Go ahead and give it a try.
The recipe is so simple, even Rawlins can make it. 

Rawlins GLAM
012.280.1977
How do you keep your appearance on track with your daily routine?
What is your style?
And, what is #IniCaraAku aka Rawlins GLAM’s Style?

First and foremost, professionally, as an international liaison officer, I always have to be presentable as there are meetings, presentations and delegates that I must attend to, every day. As such, I have to look and smell my best. And I must live to my name too (Rawlins GLAM) i.e. I must always be GLAM. That is my style @ #IniCaraAku.

So, how do you dress for a hectic day?
I choose the colour of my shirt accordingly – I love soft colours to brighten my mood.
I comb my hair nicely and last but not least, I spray my favourite perfume for the right occasion.

And my choice of perfume changes with time and occasions too.
Now, I am kinda addicted to the Ubermen EDT range.
Ubermen produces three types of EDT, namely Casual, Freedom and Freedom Extreme. As I cannot choose which is better than the other one, I decided to have all three in my collections.
Now I can pick and choose my perfume according to my mood and occasion.

Ubermen Casual EDT will be my daily perfume. I can use it to the office and for my business meetings. The scent is very subtle and refreshing. The subtle smell of citrus and marine stays with me for the whole 8 hours. And that elevates my confidence throughout the day too.
Fact: Joe Flizzow is the ambassador for Ubermen Style EDT Perfume 
Ubermen Freedom EDT is for me to spray on during outings with friends. That masculine smell lingers no matter what my activity is. 

My friend and I tend to do things on the go – with no plan and no direction – we just go with the flow. At times, when we hang out in Pavillion, suddenly one of us wants to go singing the karaoke and the others just follow suit. Suits it name, the perfume is my ally during the gatherings with friends.
And now, to be on the safe side, I have a bottle of Uberman in my office so that I can always be prepared for unnecessary/ untimely emergencies. One can never be too careful right. And it does pay to go that extra mile to be presentable too.
Nobody wants to deal with an unsightly and smelly person right?
Like my pictures here?

Go to http://www.ubermen.com.my/inicaraku.php and use the meme generator to edit your picture. Remember to share them too. Edit as many pictures as you like cos it is #IniCaraAku.

If you are the lucky one, you will win a customizeable t-shirt courtesy of Ubermen! 
Remember the #IniCaraAku

Embrace yourself and be a star!

Rawlins GLAM 
012.280.1977 
How's 2017 has been treating you so far?
I have been so swarmed with proposals, meetings and problems and I really need a time out.
movie review, Keanu Reeves, John Wick, Chapter 2, Action Movie, Hitman, Laurence Fishburne, Ruby Rose, byrawlins
So, I chose John Wick: Chapter 2.

The movie started off with continuation scenes from where it ended in 2014. John came after the owner of the chop shop that took his favourite Mustang, killed/ maimed/ hurt all the guards.
movie review, Keanu Reeves, John Wick, Chapter 2, Action Movie, Hitman, Laurence Fishburne, Ruby Rose, byrawlins
I need to win this game of  'Galah Panjang' and I am cursed with these short arms.
Amazingly, he left the owner of the chop shop after toasting to a 'Peace' treaty between the both of them.
Departing with his car, John called out 'Peace' with the owner of the chop shop and headed home to his new pet dog. 

Santino D'Antonio, a member of the crime lords came to ask John of his oath via a 'marker' to assist Santino in assassinating his sister so that Santino could take her place in the 'High Table'. John declined. Not satisfied with John's reply, Santino decided to take everything from John's life by setting his house on fire with a grenade launcher. Somehow, John and the dog survived.
movie review, Keanu Reeves, John Wick, Chapter 2, Action Movie, Hitman, Laurence Fishburne, Ruby Rose, byrawlins
Are you my spirit animal?
movie review, Keanu Reeves, John Wick, Chapter 2, Action Movie, Hitman, Laurence Fishburne, Ruby Rose, byrawlins
I am a self-centric person - I love to look at myself in the mirror for hours.
Seeking refuge, John went to The Continental and was advised by Winston to take up the job by Santino if he values his own life. Reluctantly, John went on the mission and killed Gianna, Santino's sister.

Cassian, the personal guard to Gianna realised something amiss when he saw John in the party where the coronation of Gianna should take place. When he realised that Gianna was killed, he immediately ran after John with his troop. Running for his life from the Cassian's party, John met a group of assassins, sent by Santino to clear up any loose ends. 
movie review, Keanu Reeves, John Wick, Chapter 2, Action Movie, Hitman, Laurence Fishburne, Ruby Rose, byrawlins
He broke the glass. Not me.
Again, running for his life, John met Cassian. A fight broke and accidentally, both of them crashed into the Continental ground where no blood should be shed. The fight stopped. Upon leaving, Cassian vowed to kill John in the quickest way, as a sign of 'professionalism'.
movie review, Keanu Reeves, John Wick, Chapter 2, Action Movie, Hitman, Laurence Fishburne, Ruby Rose, byrawlins
Again, another self-centric pr*ck. He installed mirrors all over the house, from ceiling to the floor!
movie review, Keanu Reeves, John Wick, Chapter 2, Action Movie, Hitman, Laurence Fishburne, Ruby Rose, byrawlins
With these birds, I feel superior
movie review, Keanu Reeves, John Wick, Chapter 2, Action Movie, Hitman, Laurence Fishburne, Ruby Rose, byrawlins
If I keep going out in a mess like this, it might become a fashion trend
When Santino learned that John lives, he put up a contract of USD7 Million on John and get every assassin hot on John's trails. Towards the end of his wit and life, John sought refuge from  Bowery King, the underground crime lord. Bowery helped him to find his passage to Santino in the museum but Santino managed to escape into the Continental ground. Despite Winston's warning, John killed Santino in the lounge of the Continental ground.
movie review, Keanu Reeves, John Wick, Chapter 2, Action Movie, Hitman, Laurence Fishburne, Ruby Rose, byrawlins
And you are giving me a compact powder, WHY?
What will happen to John since he broke the Continental's rule?

Plot: 4.3/ 5.0. If you have watched the first instalment, then this one is of no big surprise. No unexpected twist in the second chapter but the action is great and made my heart racing non-stop from the get go.

The Cast: 4.7/ 5.0. Say what they want but I love Keanu in this role. He is super cool, super buff (for his age, he is 53 years old for heaven's sake) and fits the role perfectly. The other characters are equally great - Common, Laurance Fishburne, Ruby Rose (oooooo... drooling over this amazingly beautiful beauty) and others. Great actors!

Will I Watch It Again: I don't mind watching it again and yes, I will buy the DVD!

Rawlins GLAM
012.280.1977

Althea Homme Box
Nowadays, homme care is a big industry as guys all over the world are getting more cautious about their looks and appearance.
Hence, when Althea Korea introduces Homme Box, I was among the first to get it! The items inside the decorative Christmas blue box are a must have for all guys!
What is inside it?

Mise en Scene Power Swing Max Hard M9 
  • I am currently head over heels over this amazing hair wax because it does things to my hair, unlike any other hair wax.
  • It is not sticky.
  • Rinses off easily - at the very first wash too! Unlike others which you have to wash the hair half a dozen of times before it is finally off of the hair.
  • Stays throughout the day - even when I accidentally fall asleep, the style stays!
Get rid of that ugly black heads!
Black Kill 3 Step Nose Pack
  • My very first encounter with a blackhead strip that literally opens up and closes the pores! 
  • The strips feel gentle on the nose.
  • It works! There were so many black heads and white heads on my nose! Ewww!
No shaving video - I am hairless like that hahaha
Innisfree Blackberry Energizing Cleanser and Shave
  • I have very sensitive skin and NEED to be choosy of what I use on my face.
  • The cleanser does not feel hard on the skin - it does not dry the skin after usage.
  • It feels gentle on the skin too.
  • After 3 days of using it, I am so glad that nothing bad happens to my face, except that my face is less oily now. Yahoo!

Innisfree Blackberry Energizing Toner
  • I must admit that I am lazy to apply toner to the face but since my age is catching up with me, I need all that extra help to sustain and improve my skin and health.
  • One very big difference that I felt after using it, my skin feels like bubble gum after applying it to the face and the moisturiser spreads on evenly on the face too.
  • Let's pray together for forever youth!

Innisfree Blackberry Lotion
  • My work requires me to stay in the office most of the time and with the air-condition switch on the whole time too.
  • Prolonged stay in an air-conditioned room makes your skin dry and in my case, could be scaly too.
  • Thus, having this lotion helps me to maintain the moisture in my skin during the office hour.
  • The smell is amazing too - refreshing and not strong.
  • It permeates almost instantly and no sticky feeling too, unlike some other lotion that has that stickiness after application.
Do not be afraid of the sun anymore
Secret Key Wolf Guy Perfect Sun Screen
  • Yeay. Now I can enjoy the outdoor activities more.
  • It does not smell and no stickiness too!
Guys, with Homme Box, you do not have to think about any other products to have around. 
And it is travel-friendly too!

Where to get it?
Just visit here  - there is a 60% discount now [http://my.althea.kr/althea-box-homme-box]

Haiqal Rawlins
012.280.1977
Anuar Zain, Anuar Zain Network, Andainya Takdir, Cinta Takkan Berakhr, Video Clip, Sharifah Sakinah, Puteri Balqis, entertainment
Anuar Zain
So, have you watched the latest video clip from Anuar Zain?
Apparently, it is a continuation from "Andainya Takdir" where I thought that the wife left him and his little girl to go for fame.

But, not everything is as it seems.
'Cinta Takkan Berakhir" tells the story from the mother's side - her sacrifices to enable the daughter to continue to live and the family to be safe from her abusive new husband. The ex-husband (Anuar Zain) is still in love with his ex-wife but decided to move on with his life. 

But the daughter is still mad at her mother without knowing the real facts behind her mother's every move.

I cried watching the pain that the mother went through (emotional much???).
Di sini memikirkan mu
Cintaku tak berhenti hanya untukmu kasih
Walau seringkali hati tersakiti

Saat kau tak peduli
Aku pun tak mengerti
Namun satu yang pasti
Telah ku jatuhkan hati kepadamu selalu selamanya

Cinta takkan pernah berhenti
Karena hati telah memilih
Sadarkan dirimu ku bertahan untukmu
Cinta tak pernah memudar
Segenap hati ku mengharap
Hanya kepadamu cinta takkan berakhir

Betapa hati telah berjanji
Ku bawa sampai mati
Karena satu yang pasti
Telah ku jatuhkan hati kepadamu selalu selamanya

Cinta takkan pernah berhenti
Karena hati telah memilih
Sadarkan dirimu ku bertahan untukmu
Cinta tak pernah memudar
Segenap hatiku mengharap
Hanya kepadamu cinta takkan berakhir

Cinta takkan pernah berhenti
Karena hati telah memilih
Sadarkan dirimu ku bertahan untukmu
Cinta tak pernah memudar
Segenap hatiku mengharap
Hanya kepadamu cinta takkan berakhir

Sadarkan dirimu ku bertahan untukmu
Cinta tak pernah memudar
Segenap hatiku mengharap
Hanya kepadamu cinta takkan berakhir

I can't wait for the next installment of the video clips and Anuar Zain's next song.

Haiqal Rawlins
012.280.1977
As Malaysians, we love to serve our guests with the best food and drinks that we have.
I remembered on every festive season, my parents and grandparents will always try their best to have the best food and drinks.
And I remembered, they will always put the food (tidbits) and the soft drinks in the safest place that they could think of, as my siblings, my cousins and I will try to do 'food and drink tasting' before the date of the festival.
Pokka, Coffee, Cappuccino. Coffee Lover, Melon Milk, Cookies & Cream Milk, Jasmine Green Tea, Superios Taste Award, Halal, byrawlins, product review, real brewed,
Which one is your favorite Pokka?
When I went back to Sarawak for Christmas recently, I noticed that my parents serve our guests with drinks from Pokka. 
"This is something new as my parents are loyal type of consumer - they always serve our guests with brand XXX. "
Intrigued, I tried the Pokka Melon Milk and Pokka Cookies & Cream Milk.
And I got addicted!
So, I did what a person would do in such situation - I did the 'drink tasting' again! 
Hahaha.
Pokka, Coffee, Cappuccino. Coffee Lover, Melon Milk, Cookies & Cream Milk, Jasmine Green Tea, Superios Taste Award, Halal, byrawlins, product review, real brewed,
Pokka Melon Milk
So, what is Pokka?
Established in 1977 by parent company Pokka Corporation headquartered in Japan (http://www.pokka.co.jp/), Pokka Corporation (Singapore) Private Limited ("Pokka") (http://www.pokka.com.sg/), is a leading food and beverage group in Singapore and Asia Pacific. 
The Group manufactures and markets a wide range of beverages under its 'POKKA' brand, as well as owns and operates restaurant chains under a portfolio of proprietary brands. Backed by over 30 years of experience in the beverage industry and more than 16 years in restaurant and food outlet management, Pokka is well-entrenched in the F&B scene of Singapore & Asia Pacific region.


Now you know why Pokka's products taste very delicious - it aims to please people!
To further investigate the Pokka products, I got myself a few of the product range.
Pokka, Coffee, Cappuccino. Coffee Lover, Melon Milk, Cookies & Cream Milk, Jasmine Green Tea, Superios Taste Award, Halal, byrawlins, product review, real brewed,
Pokka Natsbee Limau Madu
Pokka, Coffee, Cappuccino. Coffee Lover, Melon Milk, Cookies & Cream Milk, Jasmine Green Tea, Superios Taste Award, Halal, byrawlins, product review, real brewed,
Pokka Cappuccino
Pokka, Coffee, Cappuccino. Coffee Lover, Melon Milk, Cookies & Cream Milk, Jasmine Green Tea, Superios Taste Award, Halal, byrawlins, product review, real brewed,
Pokka Premium Coffee
Pokka Product range are as follows: 
  1. Asian Tea
  2. Western Tea
  3. Coffee
  4. Milk Range
  5. Fruit Juice
And I just realised that the Jasmine Green Tea is the Hero of the Pokka products range.
Again, my curiosity got the best of me - I tried it.
Pokka, Coffee, Cappuccino. Coffee Lover, Melon Milk, Cookies & Cream Milk, Jasmine Green Tea, Superios Taste Award, Halal, byrawlins, product review, real brewed,
Pokka Jasmine Green Tea
How should I explain it without being exaggerated?
Simply said "It tastes much better than the ones that are being served in any outlets in Malaysia".
Refreshing and invigorating!
No wonder it won the Superior Taste Award by International Taste and Quality Institute (ITQI).

The Superior Taste Award is a unique international recognition based upon the blind judgment of Chefs and Sommeliers who are opinion leaders and experts in taste, selected from 13 prestigious culinary and sommeliers associations.

My current favorites are the milk flavored drinks ie Melon Milk and Cookies and Cream Milk as I want to skip dinner. Both has authentic taste and very filling at the same time.
Pokka, Coffee, Cappuccino. Coffee Lover, Melon Milk, Cookies & Cream Milk, Jasmine Green Tea, Superios Taste Award, Halal, byrawlins, product review, real brewed,
Cookies and Cream Milk
FACT
Pokka products contains NO PRESERVATIVE, NO COLORING, REAL BREWED dan HALAL CERTIFIED

Now I know what drink I have to store in my refridgerator - the Pokka products of course. 
To know more about Pokka and its product, head on here:
POKKA Website | POKKA Facebook
Haiqal Rawlins
012.280.1977