Generation Y or also widely known as the millennial, usually aged between 18 and 34 years old and during this age, most of them are considering to buy or invest in property. Investing or buying properties could be tedious and troublesome due to the lengthy processes and paperwork but it could be even challenging for millennial as it requires strong holding power in terms of financial and time. It doesn’t matter if you are purchasing The Elements in Ampang for your own stay or investment purpose, if you do not have the stable finance and strong holding power, it could impose as a burden to you for owning it.

One thing that is benefiting millennial from owning property is time as they can wait for the property value to elevate till it is profitable. The main advantage of property investment is to increase financial leverage. Most property values increase on yearly basis which sided the millennial if they invest at a younger age. Young investors in their 20s are most likely to be able to maximise capital appreciation as they allow price to appreciate for longer period compared to the investment made by a person nearing at their retirement age.

Investor’s age plays a role to determine the level of risk they are willing to take whereby the younger the investor is the more they are willing to take the risk. On the other hand, investors who are nearing to their retirement age, the type of investment they would prefer to invest are those low risk or risk-free investments, unless they are seasoned investors. It is possible to invest at a young age but it is not an easy decision to make, with the right mind set and planning, it is the best age to begin with.

After all, investing in property also means increasing wealth and net worth, to increase wealth, you’ll need to increase the number of assets that you have on hand. When you have paid in full and managed well, the investment will remain an asset, while providing passive income on monthly basis and capital appreciation. This asset can be passed down to the next generation if it can be kept for longer time.

For millennial to be successful in their investment, there are certain things they will need to do:

Be knowledgeable: Keeping abreast with technology is what Gen-Y is good at and with the benefits of online courses and apps, financial and educational property websites, blogs and social media that provides vast knowledge and valuable guidance. Most important is that getting your research done and right knowledge foundation before venturing into property investments. Read up some books relating to financial and investment gurus or attend talks and forums to obtain invaluable insights from experts and professionals. Learn from their mistakes and avoid falling into pitfalls of those bad property investments.

Shared investment: Sharing investment with who has the same passion and same goals is a good move. Youngsters mostly feared the amount needed to fork out for their first property, which is 10% of property value.  Although sharing investment will ease the burden and make investing more confident but young investors have to be aware of managing risks.
Income generator: Some young adults are considering investing in property to generate passive income by renting out property. Apart from getting rental income, they are still able to see their property value to increase.

Risk controlling: Millennial should consider investing at a younger age and since that is the best time to acquire property and make the most out of their money and youth.  Though it is important to invest but it is also important to keep the risks under control at the same time. For initial investments, choosing an affordable property and always have a plan B for emergencies. Another tip for budding investors, start with lower-priced properties and continuously level up as you invest. As you start from small, you will be able to learn to manage risk and financial management.

Choosing the right property: It is essential to choose the right property to invest that will grow value and attract potential tenants for example The Elements at Ampang that is located in the strategic location with good accessible to KL city centre. As such, you could start with smaller-sized units such as studio units or 2-bedrooms if you think it is easier to manage. Best it is to evaluate the surrounding areas, growth indicators and upcoming infrastructure and convenient amenities and others.

Ben Ladin - Hikayat Benladin Lirik



*Musik

Mereka keluar masuk gua

Mencuba mencari dimana ada

Mencuba meneka dimana saya

Mata kasar takkan dapat jumpa



Niat ingsun matakaji semar ngiseng

Akulah Ben Ladin...

Hikayat Ben Ladin...



Okey okey...

Suara dah bergema, suara sakti hamba

Dalam gelombang membawa aura ke udara

Separa manusia separa luar biasa

Gurau senda dengan kata-kata sang pujangga



Kalau main api janganlah tambah gasolin

Mesti hati-hati janganlah seperti lilin

Jika mahu terang biar terang dengan betul

Jangan jadi arang jadi arang buat kotor



Kerna atas muka ada selendang suci

Maka hias ia biar terpampang seri

Akulah ilustrasi definisi gergasi

Terhasil dari experimentasi radiasi bunyi



Buka mata minda luas seperti lautan

Usah fikir bukan-bukan kata bukan-bukan

Nenek tua si bongkok tiga

Cubalah nenek cari cucu dimana ada



Mereka keluar masuk gua

Mencuba mencari dimana ada

Mencuba meneka dimana saya

Mata kasar takkan dapat jumpa



Niat ingsun matakaji semar ngiseng

Akulah Ben Ladin...

Hikayat Ben Ladin...



Masuk tempat orang jadi kucing bukan singa

Jangan cuba jadi cacing nak jadi garuda

Jika mulut murai tukar paruh jadi tiong

Kalau cuma gusi jangan lagaknya bersiong



Setakat dua tangan janganlah nak berangan

Si tikus datang bekal dua belas beruk baran

Telan lauk enak lepas makan pandai simpan

Pandai-pandai lah tanggung binasa perbuatan



Pecut laju-laju sampai dia terpelanting

Bukan perkara bijak lari-lari bawa gunting

Diajak berteman rupanya musang berjanggut

Pura-pura sejuk masuk berkongsi selimut



Baik berpada-pada jahat jangan sekali

Hidup punya hukum karma kau harus mengerti

Salam perkenalan dengan ritma dan puisi

Nama patik Ben Ladin mengundurkan diri



Putih-putih melati Ali Baba

Merah-merah mawarnya si Norsiah

Jika diikutkan rasa Kassim Baba

Kelak akhirnya berputih mata



Mereka keluar masuk gua

Mencuba mencari dimana ada

Mencuba meneka dimana saya

Mata kasar takkan dapat jumpa



Niat ingsun matakaji semar ngiseng

Akulah Ben Ladin

Hikayat Ben Ladin



Putih-putih melati Ali Baba

Merah-merah mawarnya si Norsiah

Jika diikutkan rasa Kassim Baba

Kelak akhirnya berputih mata



Oooh Oooh Ooh

Oooh

1. Full Cream
2. Low Fat
3. Coklat

Hai Selamat Petang

SWANICOCO- SHOW THE VELVET LIPSTICK

korang nak tahu tak? Baru-baru ini Swanicoco telah melancarkan produk terbaru mereka iaitu LIPSTIK , So dapatlah aku peluang untuk mencuba  Swanicoco is one of 2018's hottest brands in Korea code warna lipstick- red juliet  ianya baru sahaja berada dipasaran dan buat masa sekarang hanya 50gram sahaja yang menjadi penjual tunggal diMalaysia. yer! Baru Sahaja di lancarkan pada 18 sept 2018. Swanicoco tidak menggunakan bahan-bahan yang berbahaya kepada kulit seperti pewarna, wangian tiruan, pengawet kimia, steroid, alkohol, minyak mineral, paraben, dan benzofenon.

" kami berusaha sebaik-baiknya untuk menggunakan ekstrak semulajadi dan yang ditapai, dan telah melakukan penyelidikan yang kekal untuk memastikan komponen semula jadi tidak bercanggah antara satu sama lain apabila digabungkan. Oleh itu, kita memperoleh kaedah pencampuran optimum"
Haaa begitu lah proses penghasilan Lipstik dari Swanicoco.

LIMITED EDITION : THE VELVET LIPSTICK BLACK EDITION (JULIET RED)

TARAA...thats mine

 Lipstick Ingredient List:
Octyldodecanol, Isononyl Isononanoate, Silica, Ricinus Communis (Castor) Seed Oil, Isoeicosane, Ozokerite, Ethylhexyl Palmitate, Microcrystalline Wax, Paraffin, Phenyl Trimethicone, Caprylic/Capric Triglyceride, Copernicia Cerifera (Carnauba) Wax, Polyhydroxystearic Acid, Kaolin, Tocopheryl Acetate, Caprylyl Glycol, Argania Spinosa Kernel Oil, Pentaerythrityl Tetra-Di-T-Butyl Hydroxyhydrocinnamate, Hexylene Glycol, Fragrance, Phenoxyethanol, Ci 15850, Ci 45410, Ci 15985, Ci 19140, Ci 15850

-Contains fermented extracts instead of purified water and are free of chemical ingredients, improving the skin while covering it well.

-Swanicoco’s collection of various basic makeup products boasts of great coverage, long-lasting effects, and UV protection.

HARGA :
Price ; LIMITED EDITION Show The Velvet Lipstick Black Edition in Juliet Red : RM 88.85

Lipstick Swanicoco ni korang boleh dapatkan di website 50gram & kalau korang nak dapatkan diskaun daripada pembelian korang disamping berpeluang memenangi penginapan di salah sebuah Villa di Pahang, korang boleh purchase disini > https://bit.ly/2pxOlvB <

REVIEW SEBAGAI PENGGUNA:

          

Bila dah pakai sendiri baru senang nak kongsi dengan korang, so pada aku Bau dia best wangi dan menyenangkan. Bau seakan-akan bunga rose pun ada segar gituu. Cara nak pakai pun mudah Hanya sekali sapuan pada bibir sahaja dah sekata... kiranya texture lipstik nie lembut. Dari segi ketahanan pula..biasalah orang perempuan kalau pakai lipstik mesti nak pakai yang tahan lama..swanicoco nie memang tahan lama kalau pakai seharian pun warnanya masih ada pada bibir. dan paling aku suka Ofcoz la warnanya RED JULIET nie cantik dan sangat menarik..dari jauh pun dah nampak lipstik deknonn! kehkehkeh

Dengar kata stok adalah LIMITED, makanya kalau korang nak beli boleh la grab cepat-cepat. Takut nanti dah abis stock, menyesal pulak korang nanti sebab  Swanicoco dah tak keluarkan  dah tau ^_^

Untuk Maklumat Lanjut  :-

WEBSITE : 50GRAM  x SWANICOCO
FACEBOOK : 50GRAM x SWANICOCO
INSTAGRAM : 50GRAM x SWANICOCO

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BTW masa aku dapat Lipstick swanicoco ini ada dapat skali special gift sample skincare
jom nak story dekat korang sekali

Skin care sample set :
1. Gray color one is : MGF PURE AMPLE  

Product Details:
• Contains Silk Amino Acids and Galactomyces Ferment Filtrate to improve skin firmness & hydrate skin
• FGF promotes healing and tissue regeneration & EGF promotes epidermal cell renewal 
• Improves skin texture while strengthening skin's natural barrier
• Penetrates deep into skin to promote cell growth and obtain optimum hydration within 

How to use:
After using toner, tear off the aluminum cap and put conical cap on the vial. Spread evenly to entire face. Follow with moisturizer.
(Store in a cool area or keep in the cosmetic fridge) 

Ingredients:
Silk Amino Acids, Galactomyces Ferment Filtrate, rh-Oligopeptide-1 ,rh-Polypeptide-11, Tocopherol, Allantoin, Carbomer, Arginine, Olibanum, Rosa Damascena Flower Oil 

2.Red brown color is : UV shield perfect sunblock cream. 

Product Details:
• A high protection facial sunscreen that enriched with Camellia Sinensis(Green Tea) Leaf Water
• Blended with Herbal & Botanical Extract to help soothe & moisturize skin
• Contains Niacinamide & Adeosine to improve skin tone and reduce fine lines & wrinkles
• Shields skin against harmful UVA+UVB with SPF50+/PA+++
• Suitable for daily use & under makeup and provides intense moisture
• Perfect for all skin types including sensitive skin 

How to use:
Apply after basic skincare & before outdoor activities. Reapply whenever necessary. 

For wrinkle and whitening and blocking the UV
For all types of skin
Green tea extracts/ niacinamide / adenosine
Freely use as it is not turbid. / Less stimulant to the skin as it contains the organic green tea extracts 

3. Two green small little bottle in a pack : AC Control skin toner & emulsion 

Description: Tea tree leaf water and various herb extracts (jojoba seed, artemisia annua, calendula, and comfrey leaf) in the AC Control Care Skintoner help to soothe irritation and protect skin from harmful environmental factors. This Swanicoco toner also contains hydrolized algin, a submarine plant, which is chock full of mineral and fatty acids that gently exfoliates for smoother skin. Ceramide, another key ingredient, infuses the skin with long-lasting moisture that strengthens the skin’s elasticity. Living up to its name, this skintoner helps control easily irritated, sensitive skin and effectively controls sebum—it’s particularly recommended for teenagers or young adults with blemished, oily, and acne-prone skin.

This line is recommended for those who
-Have sensitive oily skin
-Have excess sebum
-Want to maintain moisture and oil skin balance
-Suffering from problematic skin (zits)
-Frequently exposed to external stresses such as pollution
-Want refreshing skin care
-Teen skincare 

HOW TO USE:

After cleansing, pump a moderate amount into the palm of your hands and gently apply evenly over your face. Pat gently to promote full absorption.

1. Membantu ibu hamil untuk mudah bersalin
2. Mengelak baby terkena Jaundice selepas dilahirkan
3. Bacaan HB ketika hamil dikawal
4. Menstabilkan hormon dalam badan
5. Sesuai untuk kanak-kanak bagi yang lambat bercakap
6. Memberi focus terhadap pelajaran
7. Mudah menghafal
8. Untuk cantikkan kulit
9. Memberi tenaga dan melancarkan darah
10. Menambah selera makan anak-anak
11. Mengelakkan sembelit dan kembung perut
12. Boleh juga bagi yang mengidap gastrik
13. Bagus untuk eczema dapat mengurangkan sakit kulitnya
14. Sangat sesuai untuk pesakit kencing manis atau kolestrol

sedap & mudah larut

• Untuk kanak-kanak 2 tahun ke atas
• Untuk ibu hamil, mengandung, menyusu badan dan berpantang
• Untuk suami 
• Untuk pelajar
• Untuk warga emas
• Untuk seisi keluarga