Thursday, March 16

KOS GUAMAN URUSAN JUAL BELI HARTANAH



1. Anggaran Kos Guaman

Anggaran kos guaman untuk sesuatu urusan jual beli hartanah adalah lebih kurang 5% daripada harga jual beli sesuatu hartanah, dimana pecahan kos yang terperinci adalah seperti berikut:-

Anggaran disini anda perlu sediakan 15% tunai daripada harga hartanah tersebut.

Lebih kurang 2.5% adalah untuk Sales & Purchase :-

  1.  yuran guaman peguam bagi urusan jual beli dan pindah milik hartanah tersebut,
  2.  perbelanjaan/ kos pengurusan untuk urusan jual beli dan pindah milik hartanah tersebut (dalam bahasa perundangannya dipanggil sebagai “disbursement”).

Lebih kurang 2.5% lagi adalah untuk :-

  1.  yuran guaman peguam bagi urusan pinjaman perumahan dan gadaian hartanah tersebut kepada bank/ pembiaya,  
  2.  perbelanjaan/ kos pengurusan untuk urusan pinjaman dan gadaian hartanah tersebut kepada bank/ pembiaya (dalam bahasa perundangannya dipanggil sebagai “disbursement”).

 2. Yuran Guaman Mengikut Peratusan Nilai Hartanah

2A . Kos Yang Berkaitan Dengan Perjanjian Sales & Purchase (Yuran Guaman + Duti Setem) 

A1 - Yuran guaman - Sales & Purchase (Dikira berdasarkan JUMLAH JUALAN RUMAH)


Anggaran Sales & Purchase bagi Kes RM290,000.00 :-
RM150,000 pertama = RM1,500.00
RM140,000 seterusnya  = RM 980.00
RM1,500.00 + RM980.00 = RM2,480.00

Yuran guaman untuk urusan jual beli/ pindah milik dan pinjaman/gadaian adalah mengikut skala yang telah ditetapkan di dalam Solicitors’ Remuneration Order 2005 di bawah Legal Profession Act 1976 seperti berikut:-




A2 - Duti Setem Pindah Milik Harta Tanah (MOT) - (Kalkulator klik Sini kiraan Duti Setem Kepada Kerajaan)

 

Anggaran Duti Setem MOT bagi Kes RM290,000.00
RM100,000 pertama = RM1,000.00
RM190,000 seterusnya  = RM3800.00

RM 2,400.00 (rumah pertama)
RM 4,800.00 (rumah kedua dan seterusnya)


Nota: Sebagai sebahagian daripada usaha kerajaan Malaysia untuk mengurangkan kos pemilikan untuk pembeli rumah kali pertama, sehingga 31 Disember 2014, untuk pembeli rumah pertama kali, kos duti setem akan dikecualikan sebanyak 50% bagi duti setem surat janji permindahan dan surat pinjaman untuk pembelian harta kediaman bernilai RM400,000 ke bawah. Jika pernah beli rumah kos mahal ke kos rendah ke atas nama kita, automatik tidak layak dapat diskaun 50%,

* Kemaskini: Kelayakan had baru untuk pengecualian duti setem yang sebanyak 50% adalah untuk hartanah RM500,000 dan ke bawah dan ini adalah selaras dengan Bajet 2015. Ini akan berkuatkuasa mulai pada 1 Januari 2015.

* Jika anda pembeli rumah pertama tidak maklum kepada peguam, anda akan terlepas diskaun 50% duti setem ini dan tidak boleh dituntut dan tidak boleh dapat lagi bila-bila.



2B - Kos Yang Berkaitan Dengan Perjanjian Pinjaman (Yuran Guaman + Duti Setem, Dalam kes ini pemberi pinjaman adalah institusi Bank)

B1 - Yuran Guaman (Dikira berdasarkan JUMLAH PINJAMAN DARI BANK)

Anggaran Yuran Guaman Pinjaman Bank bagi Kes RM290,000.00. Pinjaman 90% adalah RM261,000.00

TAPI JIKA insurans MRTA/MRTT dimasukkan sekali dalam loan, maka MRTA RM14,138.00 + RM261,000.00 = RM275,138.00.  

Insurans ini hanya perlindungan sehingga umur pemohon 60 Tahun sahaja.

Jika umur anda sekarang 40 tahun, maka anda hanya dilindungi baki 20 Tahun lagi sahaja. Jika pinjaman perumahan anda diluluskan sehingga 30 Tahun pembiayaan, maka berbaki 10 tahun itu perlu dilindungi polisi insurans semula apabila tempoh perlindungan hampir tamat.

Andaikan anda sekarang 40 Tahun, meninggal dunia pada 60 Tahun ( dalam 20 Tahun dari tarikh LO pinjaman), waris tidak perlu sambung bayar pinjaman bank.

RM150,000 pertama 1% = RM1,500.00
RM125,138 seterusnya  0.7% = RM876.00 (bundarkan)
RM1,500.00 + RM876.00 = RM2,376.00

Peratus dan struktur yuran guaman untuk perjanjian pinjaman adalah sama dengan S&P, tetapi yuran guaman perjanjian pinjaman dikira berdasarkan jumlah pinjaman (bukan seperti S&P yang berdasarkan harga jualan rumah).

B2 - Duti Setem Pinjaman (Loan Duty Stamp)

Anggaran Loan Duty Stamp (Bank) bagi Kes RM290,000.00 (MOF 90% = RM261,000.00 + RM14,138.00 (MRTA) X 0.5000% = RM1,375.00)


Nota: Sebagai sebahagian daripada usaha kerajaan Malaysia untuk mengurangkan kos pemilikan untuk pembeli rumah kali pertama, sehingga 31 Disember 2014, untuk pembeli rumah pertama kali, kos duti setem akan dikecualikan sebanyak 50% bagi duti setem surat janji permindahan dan surat pinjaman untuk pembelian harta kediaman bernilai RM400,000 ke bawah.


2C. YURAN PENILAIAN - FI TAFSIRAN - PENAFSIR HARGA RUMAH

 Lantikan penafsir oleh bank diperlukan untuk menilai rumah yang kita ingin beli. Ia dikecualikan jika rumah baru siap. Jika rumah sudah siap melebihi 12 BULAN, penafsir perlu dilantik. Usia rumah di bawah 12 Bulan dikecualikan.



Anggaran tafsiran Valuation Fees bagi Kes RM290,000.00 = RM 630.00
RM 250.00 (RM100,000.00 Pertama)
RM 380.00 (RM190,000.00 Kedua)
* Jangan Lupa tambah GST ek
* Kemaskini: Yuran ejen hartanah berbeza dari 2 - 3% tanpa mengambil kira harga hartanah. Dalam kebanyakan kes kos tersebut biasanya ditanggung oleh pemaju dan penjual.

 Anggaran harga rumah RM150,000.00 ke RM290,000.00 dianggarkan fi penafsir di bawah RM1,000.00 (Kita pembeli akan bayar sendiri, dan akan dapat salinan laporan dari penafsir. Laporan ini bergambar dan ada butiran yang menyokong harga pasaran rumah tersebut samada binaan tambahan KEKAL, struktur binaan tambahan, sejarah penjualan rumah dalam taman tersebut, hotspot yang menambah nilai rumah kita dan sebagainya. Biasa ada gambar berwarna dalaman rumah dan sokongan yang berkaitan)
Jika ingin tahu fi dengan lebih lanjut sila klik kalkulator ini 

2D. YURAN AGEN




*Kemaskini: Yuran ejen hartanah berbeza dari 2 - 3% tanpa mengambil kira harga hartanah. Dalam kebanyakan kes kos tersebut biasanya ditanggung oleh pemaju dan penjual. Hati-hati cari hartanah di iklan yang kadang-kala disalin ajen untuk iklankan semula dari pemilik asal dengan harga mark-up baru.


3. Yuran Guaman Untuk Hartanah Yang Dibeli Dengan Pemaju



Untuk hartanah dalam pembinaan dan dibeli dengan pemaju yang tertakluk kepada Akta Pemajuan Perumahan (Kawalan dan Perlesenan) 1966, kadar yuran guaman untuk urusan jual beli/ pindah milik dan juga urusan pinjaman/ gadaian adalah seperti berikut:-




4. Skala Yuran Guaman Wajib Diikuti Oleh Peguam


Yuran guaman tersebut wajib diikuti oleh semua peguam. Kegagalan peguam mematuhi peraturan tersebut adalah merupakan kesalahan disiplin yang serius di bawah akta tersebut dan jika didapati bersalah oleh Jawatankuasa Disiplin Majlis Peguam, peguam tersebut boleh dikenakan tindakan disiplin yang tegas termasuklah boleh didenda dan Sijil Amalan Guaman peguam tersebut boleh di tarik balik.

5. Semakin Tinggi Nilai Hartanah, Semakin Rendah Skala Yuran Guaman

Semakin tinggi harga jual beli atau nilaian sesuatu hartanah, semakin rendah skala yuran guaman yang akan dikenakan oleh peguam kepada anak guam mereka.

6. Peguam Tidak Boleh Beri Diskaun Yuran Guaman


Di dalam Peraturan 6, Solicitors’ Remuneration Order 2005 juga dinyatakan bahawa peguam tidak dibenarkan memberi diskaun kepada anak guam mereka terhadap yuran guaman yang dikenakan.


7. Contoh Kos Disbursement Yang Ditanggung Pembeli

Kos disbursement untuk urusan jual beli/ pindah milik dan pinjaman/ gadaian yang perlu ditanggung oleh pembeli adalah seperti kos untuk bayaran duti stem perjanjian jual beli, bayaran duti stem pindah milik, yuran pendaftaran pindah milik di pejabat tanah, carian rasmi, permohonan kebenaran pindah milik, duti stem dokumen pinjaman dan gadaian, pendaftaran gadaian di pejabat tanah, carian kebankrapan dan

8. Kadar Bayaran Disbursement Ditetapkan Oleh Pihak Berkuasa

Kadar bayaran disbursement tersebut adalah mengikut kadar yang telah ditetapkan oleh pihak berkuasa yang berkenaan seperti Lembaga Hasil Dalam Negeri (LHDN), pejabat tanah, Jabatan Insolvensi dan lain-lain. Lebih ½ daripada keseluruhan kos guaman tersebut adalah untuk tujuan bayaran disbursement kepada pihak-pihak berkuasa yang berkenaan (dalam bahasa mudah, bayaran kepada Kerajaan). Hanya tidak sampai ½ sahaja daripada keseluruhan kos guaman tersebut adalah untuk bayaran yuran guaman peguam.


9. Semakin Tinggi Nilai Hartanah, Semakin Tinggi Bayaran Disbursement

Semakin tinggi harga jual beli/ nilaian sesuatu hartanah, semakin tinggi bayaran disbursement yang terpaksa ditanggung oleh pembeli. Misalnya, untuk duti stem pindah milik sahaja, kadar duti stem yang dikenakan oleh LHDN adalah seperti berikut:-





10. Bayaran Pendaftaran Adalah Mengikut Harga Jual Beli

Untuk urusan pendaftaran pindah milik di pejabat tanah (di negeri Pahang) pula, bayaran pendaftaran adalah mengikut harga jual beli/ nilaian sesuatu hartanah seperti berikut:-



Oleh yang demikian, secara perbandingan, sekiranya pembeli membeli rumah yang dalam pembinaan daripada pemaju, yang mana harganya RM800,000.00, pembeli terpaksa membayar RM18,850.00 untuk bayaran duti stem pindah milik dan pendaftaran pindah milik sahaja (belum dicampur dengan bayaran disbursements yang lain), sedangkan pembeli hanya membayar sebanyak RM3,932.50 sahaja untuk yuran guaman peguam.

Jadi jelas di sini membuktikan, sebahagian besar kos guaman yang terpaksa dikeluarkan oleh pembeli adalah untuk bayaran disbursement, dan bukannya untuk bayaran yuran guaman peguam, sebagaimana tanggapan ramai orang.

11. Senarai Tugas Peguam Berkaitan Urus Jual Beli Hartanah

Yuran guaman tersebut pula adalah untuk kerja-kerja yang dilakukan oleh peguam termasuklah tetapi tidak terhad kepada kerja-kerja seperti berikut:-

  1.     Memberi nasihat perundangan kepada anak guam berkaitan urusan dan proses jual beli hartanah
  2.     Menyediakan perjanjian jual beli dan dokumen pindah milik
  3.     Mempastikan terma-terma perjanjian jual beli tersebut melindungi kepentingan anak guam dan selari dengan peruntukan undang-undang yang ditetapkan
  4.     Mempastikan semua dokumen teratur sebelum menyediakan sesuatu perjanjian jual beli dan sebelum anak guam menandatangani perjanjian jual beli tersebut
  5.     Menguruskan proses pelepasan gadaian daripada bank penjual
  6.     Menguruskan urusan permohonan kebenaran pindah milik dan kebenaran gadaian
  7.     Menguruskan urusan pindah milik hartanah daripada penjual kepada pembeli
  8.     Berhubung dan follow up dengan pihak berkuasa yang berkaitan dengan urusan jual beli dan pindah milik hartanah
  9.     Menguruskan dokumentasi pinjaman perumahan anak guam
  10.     Memberi nasihat perundangan kepada anak guam berkaitan dengan urusan pinjaman perumahan dan gadaian hartanah
  11.     Menguruskan urusan gadaian hartanah daripada pembeli kepada bank
  12.     Menguruskan urusan adjudikasi dan bayaran duti stem
  13.     Mempastikan pembayaran harga jual beli mengikut peruntukan yang ditetapkan di dalam perjanjian jual beli
  14.     Mempastikan penyerahan milikan kosong dibuat mengikut peruntukan yang ditetapkan di dalam perjanjian jual beli
  15.     Sebagai stakeholder (pemegang pertaruhan) terhadap bayaran harga jual beli yang dibuat oleh pembeli sebelum boleh dilepaskan kepada penjual
  16.     Dan lain-lain kerja yang berkaitan dan bersangkutan dengan urusan jual beli sesuatu hartanah

12. Peguam Berhadapan Risiko Liabiliti

Yuran guaman tersebut juga adalah sebagai bayaran terhadap risiko professional liability yang bakal ditanggung oleh peguam tersebut, seandainya beliau gagal melaksanakan segala tanggungjawabnya yang munasabah untuk mempastikan hak.

Dan kepentingan anak guamnya sentiasa dilindungi atau sekiranya peguam tersebut menyebabkan sesuatu perkara yang boleh mendedahkan anak guamnya kepada risiko kerugian akibat kegagalan dan/atau kecuaian peguam tersebut dalam kerja-kerja yang mereka lakukan yang berkaitan dengan urusan jual beli hartanah tersebut.

Maka, adalah wajar skala yuran guaman tersebut mengikut jumlah harga jual beli/ nilaian sesuatu hartanah. Ini kerana sudah pasti lagi besar nilai sesuatu hartanah, lebih besar juga risiko yang bakal dihadapi oleh peguam.

Ini kerana sekiranya peguam gagal menjalankan tugasnya denga betul, risiko peguam berhadapan dengan tuntutan ganti rugi daripada anak guam dan pihak ke tiga juga adalah lebih besar, mengambil kira nilaian hartanah tersebut juga adalah besar.
Kesimpulan

Yuran guaman yang dikenakan oleh peguam kepada anak guam untuk urusan jual beli sesuatu hartanah dan urusan pinjaman bank telah ditetapkan oleh undang-undang. Ia adalah munasabah dan berpadanan dengan tugas dan risiko liabiliti yang terpaksa ditanggung oleh peguam.

Sebahagian besar daripada kos guaman tersebut adalah untuk tujuan bayaran disbursement dan bukan kesemua kos guaman tersebut “masuk poket” peguam semata-mata.

Tugas peguam dalam urusan jual beli hartanah bukan setakat bersifat perkeranian (clerical) semata-mata, tetapi ianya juga bersifat perundangan (legal).

Peguam yang gagal melaksanakan tugas dan tanggungjawabnya dengan sempurna, munasabah dan mengikut peruntukan undang-undang yang sedia ada, boleh berhadapan dengan tindakan disiplin oleh Majlis Peguam, tindakan sivil oleh anak guam dan pihak ke tiga, dan juga tindakan kesalahan jenayah oleh pihak berkuasa (seperti kesalahan pecah amanah dan sebagainya).

Oleh yang demikian, maka wajarlah yuran guaman tersebut setimpal dengan tugas, tanggungjawab dan risiko liabiliti yang ditanggung oleh peguam itu sendiri.




KAJIAN KES RM290,000.00 :- 
NI KALAU TAK FAHAM JUGA TAK TAHU LAH PAKCIK =)

1) PEGUAM SPA YANG BUAT SALES & PURCHASES :

Anggaran Kos Guaman Sales & Purchase bagi Kes RM290,000.00 :-
RM150,000 pertama = RM1,500.00
RM140,000 seterusnya  = RM 980.00
RM1,500.00 + RM980.00 = RM2,480.00

Anggaran Duti Setem MOT bagi Kes RM290,000.00 (Bayar Kerajaan)
RM100,000 pertama = RM1,000.00
RM190,000 seterusnya  = RM3800.00
RM 2,400.00 (rumah pertama)
RM 4,800.00 (rumah kedua dan seterusnya)


2) PEGUAM BANK YANG BUAT LOAN FACILITIES LEGAL FEES :

(BANK) - Anggaran Loan Facilities Legal Fees (Bank) bagi Kes RM290,000.00. Pinjaman MOF 90% adalah RM261,000.00 + Insurans MRTA RM14,138.00 = RM275,138.00

RM150,000 pertama 1% = RM1,500.00
RM125,138 seterusnya  0.7% = RM876.00 (bundarkan)
RM1,500.00 + RM876.00 = RM2,376.00

(BANK) - Anggaran Loan Duty Stamp (Bank) bagi Kes RM290,000.00 (MOF 90% = RM261,000.00 + RM14,138.00 (MRTA) X 0.5000% = RM1,375.00)

Apabila MRTA/MRTT dicampurkan dalam loan pinjaman bank, maka bayaran pinjaman bulanan anda akan naik RM60.00 hingga RM75.00 sebulan dari loan asal (secara kasar jika tahun pinjaman dalam 30 - 35 Tahun)

3) KOS PENAFSIR BAGI HARTANAH BERUSIA > 12 BULAN, < 12 BULAN TIDAK PERLU : 

Anggaran tafsiran Valuation Fees bagi Kes RM290,000.00 = RM 630.00
RM 250.00 (RM100,000.00 Pertama)
RM 380.00 (RM190,000.00 Kedua)

Subtotal :
Anggaran pembeli rumah pertama RM 9,261.00
Anggaran pembeli rumah kedua RM 11,661.00

DEPOSIT 10% = RM29,000.00 
KOS LAIN-LAIN (Jika Ada) = RM1,000.00
WIRING, GRIL, TABLE TOP, TERIMA KUNCI, KIPAS, LAMPU, AWNING, DEPOSIT AIR, DEPOSIT ELEKTRIK - Ni kira sendirilah


Rujukan
  • http://www.majalahniaga.com/12-fakta-yang-anda-perlu-tahu-tentang-kos-guaman-urusan-jual-beli-hartanah.html
  • http://www.jpph.gov.my/V2/kira_dutisetem.php?versi=2
  • https://loanstreet.com.my/ms/pusat-pembelajaran/kos-kemasukkan-membeli-hartanah 
  • study kes sendiri tapi jangan anggap kiraan ni bulat2 betul


Monday, March 6

TANDA-TANDA MOTOR KIPAS RADIATOR MYVI NAK ROSAK

Assalamualaikum WBR

Hari ini aku nak kongsi simptom atau bunyi yang keluar apabila kipas radiator kereta kita mulai ada tanda-tanda nak rosak.

Motor kipas ni tandanya nak rosak apabila ia on ada bunyi, bila off takda bunyi. Memang begitulah keadaannya, yang aku nak point di sini adalah kipas radiator ni normal on dan off sebab tu kita akan dengar bunyi kuat sedikit dan RPM naik sedikit dalam selang 3/4 minit.

Kipas radiator ni normal on pada minit ke 20 ke atas jika kita panaskan enjin. Jadi aku cadangkan jika nak panaskan enjin kereta yang lama tersadai, pastikan enjin berfungsi panas sepenuhnya dan kipas radiator berpusing untuk sejukkan enjin. Masa ini water pump, radiator, hose radiator, thermostat semua berfungsilah dalam keadaan baik. Kalau kipas tak on juga dah lebih 30 minit, ada sesuatu yang tak kena pada alat-alat dalam perenggan ni.


video

Lagi baik apabila semua ini bekerja penuh, secara langsung alternator dan bateri dapat caj penuh. Bila panaskan enjin dalam keadaan 30 minit contohnya, fuel pump pun dapat bekerja dan indikator pelampung dalam tangki minyak juga bekerja. Jadi kalau setakat panaskan enjin kereta dalam 10 minit agak kurang berkesan.

Kenapa aku cadangkan 30 minit panaskan enjin? sebab minyak hitam, fuel filter, keladak minyak enjin semua berada pada dasar enjin dan minyak enjin yang tidak dipanaskan pada suhu tertentu, molekul ia tidak berfungsi sebagai pelindung enjin, hanya sekadar pelincir sahaja. Fuel Filter, Plug dan Air Filter ni adalah barang yang susah nak bersihkan apabila dah terlalu lama berkerak jadi kena ganti terutamnya kereta tersadai melebihi sebulan.


Kalau nak cari Motor kipas radiator, cari yang original dari Perodua

Yang tak dapat test apabila panaskan enjin dalam keadaan idle ni ialah sistem brek tak dapat diuji. Bagi kereta yang ditinggalkan lama melebihi 6 bulan, kesilapan utama adalah kerosakan pada tayar apabila beban kereta ditanggung oleh tayar. Elok letak kayu dan tayar tidak jejak lantai.

Kalau semasa panaskan enjin, enjin melahu-lahu pula kena tekan pedal minyak kerap, itu tandanya throttle body kena servis - ia tak rosak lagi.

Ok sekarang dah jauh tajuk ni, sebenarnya cerita kipas radiator sahaja ya.

Ni Motor Kipas Radiator Yang Perlu diganti.

50% Nak Rosak :

Apabila kipas radiator berbunyi, dia akan ada berdesing bingit sekejap-sekejap
Apabila on aircond, dia akan bingit berbunyi sekejap-sekejap
Masa ni boleh agak pakai dalam 3/4 bulan lagi jika nak berjimat

80% Nak Rosak : 

Apabila bunyi berdesing dan bingit melebihi 7 saat. Masa ni boleh pakai lagi tapi jangan sesekali tersangkut di jalan jammed, nescaya jahanam terus.

98% Nak Rosak :

Dah tentunya dia akan bising dan bingit setiap kali kipas radiator berpusing. Selepas itu dia akan senyap tidak berpusing lagi dan ketika anda on aircond, langsung TIADA SEJUK. Tu da 100% tak berpusing la. Tengok video atas tu kipas masih boleh berpusing lagi tapi bunyinya perit. Dalam sehari nak kong, tepat la kong dalam beberapa jam depan rumah kawan aku.

100% Rosak :

Kipas tidak berpusing walaupun enjin panas dan jika on aircond, hanya angin biasa yang keluar dari blower.

Masa ni boleh bawa kereta tapi pastikan jangan terlalu lama berhenti nanti TEMP kereta akan naik mendadak. Kalau drive jalan sahaja masih ok

Kesimpulannya ganti Motor kipas di Perodua dalam harga RM125-RM135 tidak termasuk upah. Bilah Kipas masih boleh digunakan semula.


Monday, February 20

KETAHUI NET DISPOSABLE INCOME (NDI) SEBELUM MEMOHON PINJAMAN PERUMAHAN


Tahun 2017 ni permohonan pinjaman perumahan dilonggarkan dan umur peminjam dipanjangkan maksimum 35 Tahun. Ni apa yang aku dapat dari Maybank, Bank Rakyat (maksimum 60 Tahun) dan CIMB.









Apa Itu Net Disposable Income (NDI)?

 ****************************************

Secara ringkasnya cara pengiraan NDI adalah seperti berikut:


Pendapatan Bersih - Semua Komitmen Hutang - Komitmen hutang baru = NDI


Contohnya;




Pendapatan bersih korang lepas tolak KWSP, ada RM2500. Tolak pula hutang kereta RM350. Dan ansuran bulanan rumah kau baru nak beli ialah RM550 ( Andailah ni bayaran bulanan rumah yang kita andaikan di mudah.my (ada kiraan di sudut kanan tu dan iMoney)).



Kalau gambar di atas bagi hartanah RM320,000.00 dengan 30 Tahun adalah bulanannya RM1442.00



RM2500-RM350 (kereta)-RM550 (Nilai  bulanan pinjaman rumah ni boleh tengok di Kotak warna merah gambar atas) = RM1600




Jadi dikira  baki RM1600 ni NDI kita. Bank anggap dengan RM1600 ni lah digunakan untuk keperluan hidup. Nak bayar sewa rumah ke, bayar bil-bil utiliti dan makan minum bakal penghutang. Kes ini boleh dikatakan mendapat pinjaman perumahan dari Bank. Itu pun jika rekod CCRIS kita elok.




Kategori bandar termasuklah; Kuala Lumpur, Johor Bahru, Penang, Petaling Jaya, Subang dan bandar yang tinggi kos hidupnya.




Antara NDI ditetapkan oleh bank ialah;




 
Bandar
Luar Bandar
Maybank
1500
1000
CIMB
1000
500
Hong Leong
1000
750
Public Bank
1000
600
Bank Rakyat
1600
1000
Bank Islam
1000
1000




* Mungkin tidak tepat 100% nilai NDI tersebut. Untuk rujukan asas sahaja. Mungkin berubah mengikut SOP bank dan juga mengikut cawangan bank juga.



Artikel ini aku salin dan ubah sedikit buat pemahaman pembaca. Walaupun aku dah tahu NDI, nak mengarang tu aku kurang tahu sangat. Kredit penulis di Facebook yang aku salin ni lupa namanya. Minta halal ya.

Friday, February 3

MAKANAN DAN MINUMAN KETIKA BERPANTANG

Minggu sudah aku cerita tentang BUKU MERAH - khas untuk wanita membuat persediaan menjadi ibu.

Berkenaan BUKU MERAH itu juga aku boleh katakan 90% betul - ujian HIV bagi pasangan ibu DAN  BAPA adalah wajib di Putrajaya ketika membuka buku ini. Ujian HIV ini sudah dilaksanakan di sesetengah negeri bagi ibu dan bapa cuma di Putrajaya aku belum tahu dah dilaksanakan sepenuhnya ke belum. Apa2 aku update kemudian.

Bila dah jadi ibu bapa tu, ketahui serba sedikit makanan ketika berpantang. Peranan ni terletak pada bahu si suami untuk mencari makanan si isteri. Tak tahu masak tu kemudian cerita.

7 JENIS MAKANAN
1- Epal Merah
2-Sawi Putih
3-Daging Kambing
4-Habbatus Sauda
5-Manjakani
6- Air Suam sekadar perlu sahaja
7-Minyak Zaitun
8- Apasal cakap 7 jadi 8?, Aku copy internet ye. Jenis-jenis Ikan tertentu

SAYUR DAN ULAMAN
1-Bawang Putih
2-Kunyit
3-Serai
4-Halia
5-Tomato
6-Sawi Putih
7-Lobak Merah (Lobak Putih untuk banyakkan susu ibu)
8- Pegaga
9- Lengkuas


AYAM/BURUNG/DAGING ini seperti dalam rajah.

IKAN YANG DIGALAKKAN :

1-Haruan
2-Salmon
3-Yu
4- Tenggiri 
5-Bawal Putih / Bawal Cermin (Bukan Bawal Hitam dan Bawal Emas)
6- Siakap
7-Selar
8- Merah
9-Jenahak




Ini jenis Ikan Tenggiri di pasaran. Sekilogram dalam RM30.00.  Ada Tenggiri Papan, Tenggiri Batang dan Tenggiri Raja. Aku tak pasti mana yang sedap, janji mahal tu sedap lah. Tapi sedap juga lah aku dah rasa sama je. Sedap ooo goreng tenggiri makan dgn sambal belacan.




HERBA pula seperti Misai Kucing, Kacip Fatimah, Kurma Merah, lada Hitam, Manjakani dan Habbatus Sauda. Ni kalau jenis ikan pun tak khatam, jangan harap nak mahir jenis herba-herba macam ni memang tak semua tempat mudah dapat.





Buahan dan makanan sebegini eloklah disediakan di rumah ketika isteri berpantang.


MAKANAN DAN MINUMAN YANG DILARANG KETIKA BERPANTANG







* Semua gambar ini aku ambil dari internet, jadi ampunkan aku jika hasilnya kurang memuaskan. Kalau tak yakin membeli barang dapur, sediakan sahaja bawang besar, halia, kunyit, lengkuas, bawang putih di rumah tu sentiasa ada.


Friday, January 27

CERITA BUKU MERAH

Aku bukan doktor dan sebagai bukan doktor, aku perlulah rajin membaca sepertimana seorang doktor belajar-bezanya aku belajar asas sahaja. Hakikatnya, aku tahu aku tak pandai seperti doktor.

Doktor yang tamat belajar pun diwajibkan menjalani latihan di hospital sebagai praktikal apa yang dipelajari semasa dalam kuliah dan kesimpulannya, kita semua kenalah membenarkan diri kita untuk belajar untuk keperluan kita dan orang yang memerlukan. 

Ingat belajar cucuk jarum di Youtube dengan cucuk lengan orang hidup depan kita sama ke.

Ok, aku nak cerita berkenaan pasangan yang halal membuat persedian menyambut kelahiran cahaya mata. Pertama sekali semasa awal mengandung, si ibu perlu membuka buku merah ni untuk rekod khusus segala pemeriksaan ibu dan anaknya. 

Walaupun tiada kaitan si bapa, tapi rekod si bapa juga ditulis di depan buku merah ni untuk hal-hal kecemasan. Biasanya usia mengandung bulan kedua dah kena ada buku ini, dan bermulanya buku merah ini sebagai peneman sepanjang masa sehingga tarikh jangkaannya bersalin.

Sesetengah kawasan mewajibkan membawa bil utiliti sebagai rujukan alamat serta sijil nikah. (Ni bergantung juga jika statistik kawasan berkenaan banyak kes anak luar nikah)  sebab prosedur dan implikasi bagi kes anak tidak berbapa berbeza sedikit. 

Yang tak berbeza hanyalah si ibu memang akan membawa kandungannya hingga saat kelahiran jika tiada komplikasi semasa mengandung.

Buku Merah menjadi keperluan wajib sekiranya si ibu mengandung anak pertama. Tak kisahlah klinik desa ke, klinik swasta ke, klinik kesihatan ke, hospital ke dll.

Sebelum ini, hanya si ibu yang akan jalani ujian jangkitan seks dan HIV, tetapi apa yang aku dengar di Putrajaya, setiap kali membuka buku merah, si bapa akan diwajibkan membuat ujian HIV juga. 

Mungkin ini sebagai persediaan atau kes-kes membendung implikasi HIV di sesuatu kawasan sekiranya statistik setempat menunjukkan peningkatan HIV. Sama seperti kes di atas - keperluannya juga bergantung pada statistik setempat.

Dalam buku ni lah segala ujian darah, ujian bayi  dan perkembangan bayi dikepilkan bersama, dan jika mengandung kali kedua pun, buku merah anak pertama yang lama pun akan dirujuk pegawai perubatan/jururawat sebagai indikator kesihatan keseluruhan ibu dan anak.


OK ni kisah lain :


"Salam sy nak bertanya. Adakah aktiviti dilancap dgn tukang urut di SPA boleh dijangkiti? Sy x ada simptom2 dijangkiti tp rs risau sgt. Pd minggu k 2,3,4 sy buat ujian hiv test kit d farmasi keputusan negative, pd minggu k 6 buat d bp lab keputusan negative, minggu k 8,10 buat lg ujian di farmasi keputusan negative. Minggu k 11 buat d pt foundation keputusan negative. Smua ujian kaedah ab/ag. Doktor di pt foundation kata memang dah tepat keputusan sy. Kerana tarikh period y pt foundation gunakan 1 bulan. Perlukan sy lakukan ujian bg genap 90 hari? Persoalan sy. 1. Aktiviti sy lakukan boleh dujangkiti k x? 2. Perlukan sy jalani ujian lg wlupn doktor kata dah tepat? "  



Dalam entri terdahulu aku, aku hanya ikut sepertimana KKM dan WHO gunapakai, ujian 3 bulan selepas aktiviti berisiko terakhir boleh dianggap conclusive. Sebab antibodi dan daya tahan manusia telah dikaji berbeza dan simptom hanya jelas (hadir antibodi imun terhadap HIV) cukup untuk diuji.

Hanya peratusan kecil hasilkan antibodi seawal 2-3 minggu. Jadi lebih muktamat dan tak mahu berteka-teki, buat ujian pada bulan maksimum- bulan ke 3 (12 minggu).

In general, antibody tests that use blood can detect HIV slightly sooner after infection than tests done with oral fluid. It can take 3 to 12 weeks (21-84 days) for an HIV-positive person's body to make enough antibodies for an antibody test to detect HIV infection. This is called the window period

Apa yang menyukarkan, mereka yang telah dijangkiti HIV tidak mahu terima kenyataan. Dan apabila tidak terima kenyataan, sukar untuk menjalani rawatan dari doktor bertauliah. Percaya kepada Doktor palsu di Ampang la, di Perak la yang boleh merawat HIV dll.

Kenyataannya, sehingga hari ini di mana-mana dunia, samada kaya bilionair atau yang miskin pun belum jumpa penyembuhan HIV sepenuhnya. Jadi jangan teruskan kesilapan pertama dengan kesilapan kedua mempercayai doktor-doktor palsu atau doktor facebook yang tidak sahih sumbernya. Lebih elok jika tak tahu, rujuk kepada yang tahu.

Jauhi seks bebas.
Salam Jumaat


Thursday, January 26

YOU HAVE TO JUMP!

video

SIJIL SIMPANAN PREMIUM BANK SIMPANAN NASIONAL

Sijil Simpanan Premium aku copy dari sumber Internet.

Semalam, nak dijadikan cerita, aku adalah dalam 3 keping SSP (Sijil Simpanan Premium) yang paling rendah aku beli pada Tahun 2004 dan paling terakhir pada 2013.

Dijumlahkan adalah dalam RM1,210.00 kesemua nilai sijil ini.

Ke Bank Simpanan Nasional Cawangan Putrajaya di buka pada jam 0900. Alhamdullilah, tepat jam 0900 jam smartphone aku, maka dibukalah pintunya.

Kalau korang baca SSP ni ada perkongsian Al-Mudharabah antara PELANGGAN DAN BANK (2:98) - ni adalah nisbah pengkongsian untung paling minima.

Ok berapa aku dapat keuntungan?

Nilainya RM0.00.. Apabila tanya kerani, dia cakap kalau dapat RM1.00 dan ke bawah pun memang pelanggan tidak dapat apa-apa. 

Hmmm dah pinjam duit pelanggan bertahun-tahun, langsung tiada imbuhan sebatang pen kan...Ok fine.

SSP ni sesuai kalau korang ada lebihan RM3,000.00 dan beli sijil SSP untuk berpeluang cabutan bertuah yang lebih besar kot dan jangan andaikan dapat dividen atau al-mudharabah tu.

Satu lagi perkhidmatan BSN yang aku sangsi adalah kad kredit Aiman dia walaupun ditawarkan faedah 11% setahun.

Kesukaran untuk mendapatkan penyata dialamatkan ke rumah, di tukar kepada pdf melalui email pun lambat juga. Akhirnya tukar balik kepada penyata surat-menyurat semula.

Lepas tu point hilang 2 bulan, kad kredit salah eja nama, apabila dibuat aduan, pertama kali dalam sejarah aku kena tegur, sebab ini permintaan pelanggan betulkan nama, maka kad ini tidak akan dipos secara poslaju, akan guna pos biasa sahaja dalam 10-20 hari sampai. 

Dah dekat 2 bulan pun tak sampai-sampai.

Satu lagi, kalau sesiapa pernah buat personal loan BSN ni, walau dah bayar setengah jalan, contoh loan 7 tahun, dah bayar 5 tahun dan nak bayar penuh, percayalah dari jelaskan baki loan anda sepenuhnya, lebih baik anda teruskan habis sampai 7 tahun tu sebab ternyata terlalu rugi.

Dan akhir sekali ketika musim perayaan atau cuti biasa, perkhidmatan ATM BSN kerap tiada perkhidmatan. Ok Bye



Friday, December 30

HIS WIFE LEFT HIM WITH 5 CHILDREN AFTER SHE SUDDENLY DIED – WHEN HE FOUND HER MEDICINE BOX EVERYTHING BECAME CLEAR

Before we start with this article, you should know that this is really shocking and heartbreaking story. This is how the story goes – Joey and Kessy met at work in 2004 and fell in love. So, after 2 years, they got engaged and couldn’t wait to start their own family. 

Everything was going great, and in 2015 she got pregnant with triplets. And now, they would have 5 kids, all younger then the age of 7. The older daughters could not wait for the new family members.

But, unfortunately, during her pregnancy, the doctors discovered a blood clot in her lungs. So, what happened next? 

Well, after giving birth to 2 boys and one girl, she felt much better. But, this is not how the story ends. Unfortunately, when Kessy was discharged from the hospital, she woke up with a sharp pain in her chest. Shortly after that she passed away.

According to the experts, blood clots commonly appear during pregnancy as the body prepares itself not to lose too much blood during the delivery

And, this is the main reason why all doctors do not recommend taking too many pills during pregnancy, because the blood flow is the legs is much weaker and reduced, and the blood vessels near the pelvis become tighter, the uterus expands, and this pressures the pelvis. Ladies, this means that you should be very careful and always talk with your doctor before trying any medications or home remedies. 

Thank you for your time and don’t forget to share this article with your friends and family. Thank you and have a good one.


Wednesday, December 21

AUCTION WINNER GIVES UP HOUSE

Ada beberapa perkara yang mampu kita pelajari dari kisah ini :

1- Rezeki manusia untung dan ruginya adalah di luar jangkaun pemikiran dan kemampuan kita.
2- Urusniaga dengan bank atau peminjam perlulah diambil berat. Banyak kes peminjam bank tidak tahu status susulan walaupun beranggapan telah mencapai rundingan yang baik bersama.
3- Pengurusan pendapatan dan perbelanjaan amat dititikberatkan dalam membina keluarga.
4- Umur 40 Tahun ke atas, kebiasaanya kurang sesuai tiada pekerjaan tetap/bersara awal dan dalam masa yang sama masih ada tanggungan pinjaman jumlah bulanan yang besar serta tanggungan keluarga lebih-lebih lagi anak-anak dalam peringkat umur membesar.
5- Ikhtiar dan berusaha jika mampu dan terdaya, tetapi redha atas ujian dan kembali pada fitrah kehidupan jika gagal. Menerima hakikat adalah lebih mudah untuk meneruskan kehidupan semula dengan lebih baik. 


Auction Winner Gives Up House


PETALING JAYA: When Lee Hui Sen attended an auction of houses that had been recalled by banks, he liked a double-storey house and bid RM445,000 for it. He paid a 10% deposit to the High Court for the double-storey house.

He then went to check out the house. When he saw a family still living there, he could not bring himself to take the house from them.

The Good Samaritan decided to forgo the RM44,500 deposit and hand the house back to the family.

Lee’s lawyer had already sent the letter of vacant possession and a letter asking the earlier owner S, 47, and his wife Nor, 42, to remove the caveat from the house.

S was declared a bankrupt in 2014 after defaulting on his mortgage loan.

In a handwritten letter to S, Lee wrote that he had decided not to continue with the purchase even though he had paid the 10% down-payment.

“I am Lee Hui Sen, the buyer of the auctioned house that you are living in now. I am sorry for buying your house and it might have made you and your family worried.

“The other day, my family and I went to your house and we saw shirts outside the house. We do not have the heart to evict you.

“We will lose the money but it will go into the bank account of your house. We hope this can be of some assistance to you,” Lee wrote.

He also advised S to go to the bank to restructure his loan to avoid having the house put up for auction again.

Lee also provided some feng shui tips, telling S to remove old plants and flowers at the side of the house to make the house brighter and to welcome positive energy.

“Good luck to you and your family,”
Lee wrote.




Nor said she found it hard to believe when she found it in the letterbox.
She showed Muslim Consumers Association of Malaysia (PPIM) chief Datuk Nadzim Johan the letter, who helped to verify with the bank’s lawyers that the letter was genuine.

“This is really unbelievable and a miracle to get a chance to rebuild our lives again,” she said, adding that they received the letter in July.

Nadzim said this was a very good example of a man with a golden heart.
“You have not met this person and yet you can just part with your money to help someone. People are fighting for so many things outside and yet this man can provide assistance to a family for them to start anew.

“We urge Lee to come forward so we can offer our appreciation to him,” he said.
Nor said S has been servicing the house loan for almost 20 years but was not prompt in his payment.

The bank allegedly declared S a bankrupt in July 2014 without his knowledge and at the same time, offered him a reschedulement of RM350,000 for 25 years.

S and Nor were former bank officers before they resigned in 2010 and 2011 respectively to focus on their business in the service sector. But they faced financial difficulties after the business floundered.
I feel the bank really cheated us as they never told us about the bankruptcy and still offered us a reschedulement.

In 2014, we received notice of the first auction. After a meeting with the bank officer, we were told to pay RM40,000 before the auction date. We paid the amount and were arranging with the bank to do a reschedulement.


From there, the matter was prolonged until four auctions,” Nor said, adding that she had written numerous letters to the bank.

Nadzim, to whom the couple had turned for assistance, said he had tried to arrange for a meeting with the bank for the past three months but to no avail.



Monday, December 19

HUMAN PAPILLOMA VIRUS (HPV)



The HPV – Human Papilloma Virus is mainly transmitted sexually (ETS), and it affect both women and men. The medical experts claim that this virus is responsible for cervical cancer, penis, mouth and anus cancer. Just take a look at the article bellow and learn how to protect yourself from this dangerous virus. 

As we said, in this articlewe are going to mention the most important fact you need to know about the dangerous virus “HPV” Human Papilloma Virus, which attacks both men and women. 


You need to learn how to prevent it, know the symptoms and, what you should do in case you get it. First, you should know that the human papillomavirus (HPV) is actually a group of viruses that can affect the human skin, and there are over 100 different types of this virus. This is explained in the National Cervical Cancer Coalition of the United States – NCCC. In fact, certain types of HPV cause common warts on the hands and feet. Most types of HPV are harmless, do not cause any symptoms, and go away on their own.

About 40 types of HPV are known as genital HPV as they affect the genital area. Up to 80% of females and males will be infected with at least one type of genital HPV at some time.Genital HPV types may be high-risk types that can cause cervical pre-cancer and cancer, or low-risk types that can cause genital warts and usually benign changes in the cervix. HPV is easily spread through direct skin to skin contact. Anyone who has any kind of sexual activity involving genital contact could get genital HPV. That means it’s possible to get the virus without having intercourse. And, because many people who have HPV may not show any signs or symptoms, they can transmit the virus without even knowing it. A person can be infected with more than one type of HPV. The medical experts claim that many people get their first type of HPV infection within their first few years of becoming sexually active.


TEN FACTS ABOUT HPV YOU SHOULD KNOW SO YOU CAN STAY HEALTHY:
  1. As we said the HPV is easily spread through direct skin to skin contact,penetration is not necessary. Anyone who has any kind of sexual activity involving genital contact could get genital HPV.
  2. Because HPV infection does not usually show any signs or symptoms, you probably won’t know you have it. Most people can therefore get HPV and pass it on without even knowing it. Well, the human body is responsible for fighting this infection with their own immune system. And, because many people who have HPV may not show any signs or symptoms, they can transmit the virus without even knowing it.
  3. Well, most of the HPV types won’t harm your health, but, you should know that the so-called “high risk” can change the cell structure of the cervix and become cervical cancer. For women who don’t clear certain “low-risk” types of the virus, benign (abnormal but non-cancerous) changes in the cervix can develop.
  4. According to the latest statistics, women who are infected with the virus HPV (high-risk), have high chances of developing cervical cancer in the next 10 – 20 years. This is why all women are advised (and women who are no longer sexually active), that they should continue performing their routine gynecologic exams.
  5. For women over 30 years, the National Cervical Cancer Coalition suggests that they should do the Pap smear test. The Pap smear or ‘Pap test’ is a test that can detect abnormal cells in the cervix that may lead to cervical cancer.
  6. You should also know that infections in women older than 30 years are less likely to be cured by the body, in natural way. So, they should visit the gynecologist and get a proper treatment.
  7. According to the National Library of Medicine of the United States (US National Library of Medicine) the cervical cancer is 100 percent preventable, but only if it’s discovered in early stage.
  8. The male condoms help reduce the risk of contact. And the female condoms cover more than the male condoms, however, they just reduce the risk of infection. Neither of these two types of condoms eliminate the risk of infection completely.
  9. The HPV type 16 is associated with some types of head and neck cancer.
  10. According to the latest statistics, almost 30 % of oral carcinomas are HPV-related.


Rujukan

Friday, December 16

MASALAH TANTRUMS DI KALANGAN KANAK-KANAK ADALAH BIASA

Hari ini dijangkakan bank-bank penuh dengan pelanggan yang bergegas ingin menukar kad debit baru mereka apabila dikatakan 18 Disember 2016 tarikh akhir. Serta merta banyak mesin ATM jadi offline. Laman sosial sekarang banyak pakar2 pandai walaupun dinafikan oleh beberapa bank berkenaan status Kad Debit

Ni bukan fenomena kad debit yang aku nak cerita, tapi berkenaan perubahan tingkahlaku manusia. Dan skala kecilnya adalah kanak-kanak di bawah 5 tahun. Cerita berkenaan tantrum dikalangan kanak-kanak dan boleh juga berlaku di awalan sekolah rendah.

Tapi kebanyakan di media sosial, ramai merujuk malah memahami bahawa tantrum berlaku pada kanak-kanak berumur 2- 4 tahun. Pendapat ini tidak boleh dijadikan sebagai rujukan. Nak jadi cerita, ramai pula percaya bulat-bulat pendapat sebegitu.

Tantrum adalah biasa di kalangan kanak-kanak cuma ia menjadi luar biasa apabila melibatkan kanak-kanak hyper aktif atau juga autism.

Seharian mengkaji tantrum ni maka aku rasa edisi Bahasa Inggeris ni lebih bertepatan dan bermanfaat untuk dikongsikan seperti :

- Ignore The Kid
- Give Your Child Some Space
- Create  a Diversion
- Discipline Without Spanking
- Find Out What's Really Frustrating Your Kid
- Hugs
- Offer Food Or Suggest a Little R&R
- Talk it Over Afterward
- Try to Heal Off Tantrum-Triggering Situations
- Remember That You're The Adult
- Don't Lose Your Cool
- Give Your Kid Incentive To Behave
- Let Your Child Know You Love Him
- Speak Calmly
- Get Out Of There




Dari segi bahasa di Wikipedia :

"A tantrum, temper tantrum, meltdown or hissy fit is an emotional outburst, usually associated with children or those in emotional distress, that is typically characterized by stubbornness, crying, screaming, defiance, anger ranting, a resistance to attempts at pacification and, in some cases, hitting. Physical control may be lost; the person may be unable to remain still; and even if the "goal" of the person is met, he or she may not be calmed. A tantrum may be expressed in a tirade: a protracted, angry, or violent speech."


When your kid's in the middle of a tantrum, it can be tough to keep yourself from having your own meltdown, too.
"Meltdowns are terrible, nasty things, but they're a fact of childhood," says Ray Levy, PhD, a Dallas-based clinical psychologist and co-author of Try and Make Me! Simple Strategies That Turn Off the Tantrums and Create Cooperation. "Young kids -- namely those between the ages of 1 and 4 -- haven't developed good coping skills yet. 

They tend to just lose it instead." And what, exactly, sets them off to begin with? Every single tantrum, Levy says, results from one simple thing: not getting what they want. "For children between 1 and 2, tantrums often stem from trying to communicate a need -- more milk, a diaper change, that toy over there -- but not having the language skills to do it," says Levy. "They get frustrated when you don't respond to what they're 'saying' and throw a fit." 

For older toddlers, tantrums are more of a power struggle. "By the time kids are 3 or 4, they have grown more autonomous," Levy adds. "They're keenly aware of their needs and desires -- and want to assert them more. If you don't comply? Tantrum city."


So how can you stop these outbursts? 




1: Ignore the Kid


The reason this works is fascinating: "During a tantrum, your child is literally out of his mind. His emotions take over -- overriding the frontal cortex of the brain, the area that makes decisions and judgments," says Jay Hoecker, MD, a Rochester, Minnesota, pediatrician.

"That's why reasoning doesn't help -- the reasoning part of his brain isn't working." Says Alan Kazdin, PhD, author of The Kazdin Method for Parenting the Defiant Child, "Once you're in a situation where someone's drowning, you can't teach them to swim -- and it's the same with tantrums.

There's nothing to do in the moment that will make things better. In fact, almost anything you try will make it worse. Once he chills out, then you can talk."


2 : Give Your Child Some Space


"Sometimes a kid just needs to get his anger out. So let him!" says Linda Pearson, a nurse practitioner and author of The Discipline Miracle. (Just make sure there's nothing in tantrum's way that could hurt him.)

"I'm a big believer in this approach because it helps children learn how to vent in a nondestructive way. They're able to get their feelings out, pull themselves together, and regain self-control -- without engaging in a yelling match or battle of wills with you." This trick can work on its own or in tandem with the whole ignoring bit.


3 : Create a Diversion


This is all about a deft mental switcheroo -- getting your kid engaged and interested in something else so she forgets about the meltdown she was just having. "My purse is filled with all sorts of distractions, like toys -- ones my kids haven't seen in a while, books, and yummy snacks," says Alisa Fitzgerald, a mom of two from Boxford, Massachusetts.

Whenever a tantrum happens, she busts 'em out, one at a time, until something gets the kids' attention. "I've also found that distraction can help ward off a major meltdown before it happens, if you catch it in time," she adds.

If your kid is about to go off the deep end at the supermarket because you won't buy the super-frosted sugar-bomb cereal, try quickly switching gears and enthusiastically saying something like, "Hey, we need some ice cream. Want to help me pick a flavor?" or "Ooh, check out the lobster tank over there!" Explains Levy: "Children have pretty short attention spans -- which means they're usually easy to divert. And it always helps if you sound really, really psyched when you do it. It gets their mind off the meltdown and on to the next thing that much faster." Fitzgerald agrees: "You have to channel your inner actress and be an entertainer -- one with props!"





4 : Discipline Without Spanking


The next time you feel the urge to spank, take a deep breath instead and consider what you want your child to learn.




5 : Find Out What's Really Frustrating Your Kid


This trick is for tantrums among the under-2-and-a-half set, says Dr. Hoecker. "Children this age usually have a vocabulary of only about 50 words and can't link more than two together at a time. Their communication is limited, yet they have all these thoughts and wishes and needs to be met. When you don't get the message or misunderstand, they freak out to release their frustration." One solution, he says: sign language. Teaching your child how to sign a few key words -- such as more, food, milk, and tired -- can work wonders.

Another approach is to empathize with your kid, which helps take some of the edge off the tantrum, and then play detective. "My 22-month-old throws tantrums that can last up to -- yikes! -- 20 minutes," says Melanie Pelosi, a mom of three from West Windsor, New Jersey. "We've taught her some words in sign language, but if she wants something like a movie, she won't know how to ask for it -- and still freaks out. So I say, 'Show me what you want,' and then I see if she'll point to it. It's not always obvious, but with a little time and practice you begin to communicate better. If she points to her older brother, for example, that usually means that he's snatched something away from her, and I can ask him to give it back. I can't tell you how many awful, drawn-out meltdowns we've avoided this way!"





6 : Hugs


"This may feel like the last thing you want to do when your kid is freaking out, but it really can help her settle down," Levy says. "I'm talking about a big, firm hug, not a supercuddly one. And don't say a word when you do it -- again, you'd just be entering into a futile battle of wills. Hugs make kids feel secure and let them know that you care about them, even if you don't agree with their behavior." Cartwright Holecko, of Neenah, Wisconsin, finds that it helps: "Sometimes I think they just need a safe place to get their emotions out."



7 : Offer Food or Suggest a Little R&R

"Being tired and hungry are the two biggest tantrum triggers," says Levy. Physically, the kid is already on the brink, so it won't take much emotionally to send him over. "Parents often come to me wondering why their child is having daily meltdowns. And it turns out they're happening around the same time each day -- before lunch or naptime and in the early evening. It's no coincidence! My advice: feed them, water them, and let them veg -- whether that means putting them to bed or let


8 : Talk it over afterward.


When the storm subsides, hold your child close and talk about what happened. Using simple language, acknowledge his frustration, and help him put his feelings into words, saying something like, "You were very angry because your food wasn't the way you wanted it," Kopp suggests.

Let him see that once he expresses himself in words, he'll get better results. Say with a smile, "I didn't understand you because you were screaming. Now that you're calm, I can find out what you want." Then give him a hug.




9 : Try to head off tantrum-triggering situations. 


Pay attention to what pushes your child's buttons and plan accordingly.

 Make sure she gets enough rest and carry snacks with you. Temper tantrums are more frequent and intense when kids are tired or hungry.

 Give her a gentle heads up before transitioning from one activity to the next. Letting her know when you're going to leave the playground or sit down to dinner, for example, gives her a chance to adjust instead of react. ("We're going to eat when you and Daddy are done with your story" or "Five more pushes on the swing and we're leaving.")

Offer limited choices. Your child is grappling with independence and new kinds of demands from you, her peers, and her teachers, so let her make choices when possible. No one likes being told what to do all the time. Saying, "Would you like corn or carrots?" rather than "Eat your corn!" gives her a sense of control.

Monitor how often you say no, too. If you find you're rattling it off routinely, you could be putting unnecessary stress on both of you. Ease up and choose your battles. After all, would it really wreck your schedule to spend an extra five minutes at the playground?





10 : Remember that you're the adult. 


No matter how long the tantrum goes on, don't give in to unreasonable demands or negotiate with your screaming child. It's especially tempting in public to cave in as a way of ending the episode.

But conceding only teaches your child that pitching a fit is the way to get what she wants and sets the stage for future behavior problems. What's more, a tantrum is frightening enough for your child without her feeling that you're not in control, either.

If your preschooler's outburst escalates to the point where she's hitting people or pets, throwing things, or screaming nonstop, pick her up and carry her to a safe place, such as her bedroom, where she can't harm herself. Tell her why she's there ("because you hit your sister"), and let her know that you'll stay with her until she calms down. If you're in a public place – a common breeding ground for tantrums – be prepared to leave with your child until she gets a grip.

"My daughter had an absolute fit at a restaurant because the plain spaghetti she ordered arrived with chopped parsley on it," another mother recalls. "Although I realized why she was upset, I wasn't about to let her disrupt everyone's dinner. I took her outside until she calmed down."


11: Don't lose your cool. 



You may be tempted to stomp out of the room, but that can make your child feel abandoned. The storm of emotion he's feeling can be frightening to him, and he needs to know you're nearby. When your child is swept up in a tantrum, he's unable to listen to reason, though he will respond – negatively – to yelling or threatening.

"The more I shouted at Brandon to stop, the wilder he would get," says one mother. What worked instead, she discovered, was to sit down calmly and just be with him while he raged.

Rather than leave your child thrashing on the floor, summon up the strength to avoid yelling and quietly go to him. If he's not flailing too much, pick him up and hold him. Chances are he'll find your embrace comforting and will calm down more quickly. And if he's showing a little bit of anger without getting too out of control, you can always try ignoring him until the storm passes.


12 : Give Your Kid Incentive to Behave




Certain situations are trying for kids. Maybe it's sitting through a long meal at a restaurant. Whatever the hissy hot button, this is the trick: "It's about recognizing when you're asking a lot of your child and offering him a little preemptive bribe," Pearson says. "While you're on your way to the restaurant, for example, tell him, 'Alex, Mommy is asking you to sit and eat your dinner nicely tonight. I really think you can do it!

And if you can behave, then when we get home I'll let you watch a video.'" For the record, Pearson says this kind of bribery is perfectly fine, as long as it's done on your terms and ahead of time -- not under duress in the middle of a tantrum. If your kid starts to lose it at any point, gently remind him about the "treat" you discussed. "It's amazing how this can instantly whip them back into shape," says Pearson.


13 : Let your child know you love him.


Once your child is calm and you've had a chance to talk to him about his tantrum, give him a quick hug and tell him that you love him. It's important to reward good behavior, including your child being able to settle down and talk things over with you.



14 : Speak Calmly

This is a biggie -- and is much easier said than done. But experts insist you must keep your cool during a child's tantrum. "Otherwise, you'll get into a power struggle and make the whole thing escalate. Plus, part of the reason kids resort to tantrums is to get attention," Dr. Hoecker says. 

"They don't care if it's positive or negative attention they're getting. All they care about is that you're giving them 100 percent of it." Levy agrees, and adds: "Talking in a soothing voice shows your child that you're not going to let her behavior get to you. It also helps you stay relaxed -- when what you really want to do is yell right back. In fact, the calm tone is as much for the parent as the child! If you're tense, your kid will pick up on it, and it's going to amp her up even more."



15 :  Get Out Of There






Getting kids away from the scene of the tantrum can snap them out of it. "It's also a great strategy when you're out and about," says Levy. "If your child starts melting down over a toy or candy bar he wants, pick him up and take him either to a different area of the store or outside until he calms down. Changing the venue really can change the behavior."





RUJUKAN



AAP. 2015. Top tips for surviving temper tantrums. American Academy of Pediatrics. https://www.healthychildren.org/English/family-life/family-dynamics/communication-discipline/Pages/Temper-Tantrums.aspx [Accessed May 2016]

JHM. Undated. Johns Hopkins Medicine. http://www.hopkinsmedicine.org/healthlibrary/conditions/pediatrics/temper_tantrums_90,P02295/ [Accessed May 2016]



 


PELAWAT