Terbukti! Baju Kelunturan Kembali Cling Tanpa Pudar Warna !! Bisa di Coba Sendiri Dirumah! Sering kesel baju kesayangan kamu kena lunturan baju lain? Warnanya pasti jadi belang-belang nggak jelas ya, apalagi kalau itu baju baru. Rasanya Menyesal setengah mati kan nggak hati-hati nyucinya?
Banyak sih detergen khusus untuk noda luntur, tapi harganya pasti mahal. Jangan khawatir ladies, Pasti Seru bakal kasih kamu tips menghilangkan noda luntur sendiri cuma dengan cara-cara sederhana. Gimana caranya? Yuk, simak!
1. Larutan vetsin atau msg (monosodium glutamat) dan detergen.
Cara yang cukup mudah dan sederhana adalah dengan mencampur detergen dengan vetsin/msg, perbandingannya 2 : 3 untuk detergen : vetsin. Lalu tambahkan air panas/hangat, sesuai dengan pakaian yang akan anda rendam. Anda harus memastikan pakaian berwarna tadi terendam secara utuh dalam larutan. Diamkan selama 30 menit dan kucek. Kemudian cuci lagi dengan detergen saja untuk menghilangkan sisa-sisa msg yang menempel dan bilas hingga bersih.
2. Larutan cuka, garam dan detergen.
Anda juga bisa memanfaatkan bahan dapur lainnya, yakni cuka. Tambahkan garam dan detergen dengan perbandingan cuka yang sama banyak dengan sabun detergen. Tambahkn air panas ke dalam ember hingga setidaknya seluruh bagian pakaian terendam.
Bila tidak terendam semua, maka noda luntur akan bergerak ke arah bagian yang tidak terendam. Diamkan pakaian di dalam ember selama 30 menit dan lihat hasilnya setelah dibilas.
3. Larutan citrun dengan detergen.
Satu lagi larutan asam yang cukup populer digunakan dalam mengatasi noda luntur yaitu larutan citrun. Bubuk citrun ini terkenal sangat efektif dalam mengatasi noda, termasuk noda luntur dan noda tinta yang biasanya sangat sulit dihilangkan.
Cukup dengan memadukan bubuk citrun dan detergen lalu tambahkan air yang cukup untuk merendam pakaian hingga seutuhnya terendam. Diamkan selama 30 menit dan cuci kembali dengan detergen, kemudian bilas hingga bersih. Akan lebih baik kalau anda menambahkan sedikit garam yang akan menambah kinerja larutan tadi.
4. Baking soda dengan deterjen.
Bila noda luntur di baju anda tidak terlalu parah, hanya mengenai beberapa bagian dengan warna yang tidak terlalu mencolok, maka anda bisa menggunakan campuran detergen dengan baking soda. Meski tidak seefektif cairan cuka atau vetsin, tapi cara ini juga cukup banyak diminati karena bahannya lebih mudah didapatkan.
5. Merebus pakaian dengan deterjen
Tips yang terakhir ini hanya memakai deterjen anti noda dan air saja lalu direbus seperti anda memasak air. Setelah air mendidih, kecilkan api lalu masukkan pakaian yang terkena luntur dan aduk hingga beberapa menit. Biasanya setelah diaduk dan tunggu beberapa menit, air akan berubah warna sesuai noda luntur pada pakaian anda. matikan kompor dan tunggu hingga air dingin lalu bilas dengan air dingin hingga bersih.
Cara ini juga cukup efektif untuk mengatasi pakaian atau baju yang luntur tapi tanpa menggunakan deterjen. Jika anda mempuyai baju baru atau lama yang rawan luntur, maka rebus dengan air saja (tanpa deterjen) dan dijamin baju anda tidak akan luntur apalagi sampai melunturi pakaian yang lainnya. Seperti kata pepatah : mencegah lebih baik dari pada mengobati.
source : http://mamacerdas.co/2017/10/25/baju-kelunturan-kembali-cling-tanpa-pudar-warna-bisa-di-coba-sendiri-dirumah/
Jadi sebelum ada pakaian yang melunturi pakaian yang lain, alangkah baiknya jika anda mengatasi pakaian rawan luntur terlebih dahulu. Karena meskipun tidak begitu sulit mengatasi noda luntur pada pakaian berwarna anda, tapi memaksa anda untuk menyediakan waktu yang cukup lama dan melelahkan untuk mengatasi noda luntur tersebut.
Selamat mencoba dan semoga pakaian atau baju anda terhindar dari noda luntur!
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While I was looking through my Facebook news feed last week, I came across a feed by someone who said he bought a $400K+ 5 room HDB flat only to find that he was only eligible for a loan of $200K+. The thought of coming up with $200K+ of cash is scary for any young couples who will be getting the keys to their HDB flat soon. So why was the loan eligibility so low? The answer: "both husband and wife are self employed."
Being a self employed, it can be harder to prove the income that you receive thus affecting your loan eligibility. We'll discuss more on the situation and what we can do to overcome it.
Process of applying for loan from HDB
Before we dive deeper into the situation of the self employed couple who didn't manage to secure a full loan, let's look at the process in applying for a loan from HDB.
Here's how the loan process works:
Before you apply for a BTO flat, you'll be required to submit a HDB Loan Eligibility (HLE) Letter. From February 2015, buyers must produce the HDB Loan Eligibility letter when they book their flat and not at the signing of agreement which is 4 months later.
Once your application for HLE has been approved, you can proceed to apply for your flat.
Your HLE letter is only valid for 6 months
Most BTO flats take 2-3 years before they are completed so your 1st HLE will no longer be valid.
You'll be required to apply for a 2nd HLE. This is the important stage. If your HLE application does not cover 90% of HDB purchase price at this stage, you are required to top up by CPF/cash
If you are unable to top up, you will have to either take a bank loan or forfeit your flat and lose the 5% down payment you paid plus other initial cost
Applying for HDB loan as a self employed
If you're a self employed, applying for a HDB loan can be more complicated as compared to an employed person. Self employed can mean you own your own business or you're working as a freelance such as teaching private tuition etc.
As a self-employed applicant, you'd need to prepare the following documents to prove your income for the loan application:
a) Valid Accounting & Corporate Regulatory Authority (ACRA) Computer Information (Business Profile) or Valid license of business / trade; and
b) Latest Notice of Assessment from IRAS or Certified Annual Statement of Accounts from an audit firm; and
c) Credit bureau report#; and
d) Latest 12 months’ bank statements/passbook.
Where is the problem?
The problem will come when you cannot prove your income to HDB accurately. By accurately, it means do you have prove of your income and that you have the means to afford that flat you're buying?
For example, you may be teaching tuition on a full time basis and most parents or your students will pay you cash. If you do not deposit the money into your bank account, there is no way to prove that you actually did make that income you declared to HDB. Let's see how we can solve this problem.
How to get the loan you required for your HDB flat?
1. Credit your income into your bank account
For an employed person with CPF contributions, it is much easier to get the loan you required as you just need to provide latest 3 months payslip and latest 15 months CPF contribution history. All these information can be retrieved easily.
For all others without a fixed monthly income, the general guideline is you need to provide latest 12 months bank statements/passbook. Therefore, always remember to credit the income you receive from any sources especially 12 months before you apply for the HLE.
2. Declare your income accurately to IRAS
Another information that you need to provide to HDB for the HLE is your latest notice of assessment from IRAS or certified annual statements of accounts from an audit firm. If you're a business owner and have proper accounts and income tax declared accurately, it won't be much of a problem securing your loan.
However, if you're doing other freelance services on an individual basis, make sure you declare your income accurately to IRAS for tax purposes. You can't be saying you earn $3000 when your income declared is only $1000.
3. Take note of your other loans
If you have other loans such as student loans, car loans or credit card debt, it'll affect the loan eligibility you'll get as well. One thing to take note of is the Total Debt Servicing Ratio (TDSR). It is at 60% currently. This means you can only take a maximum of 60% of your gross monthly income to pay for all loans. This include all your other loans such as car loans, credit card debts, students loans and personal loans etc.
4. Know how much loan you are eligible for
It is easy to plan ahead and know how much loan you're eligible for so you do not get a shock later. On the HDB website, they have a enquiry on maximum loan calculator where we can key in some of our details and know the estimated loan we're eligible for.
If you're self employed with a combined income of $6000, the maximum loan eligibility should be the same as long as you can prove your income accurately for the latest 12 months instead of just 3 months for an employed person.
source : gyounginvestment.blogspot.com
A maximum of 30% of your gross monthly income can go into home loan repayments currently. If you earn $3000, only $900 can be used to pay for your housing loan. This is known as the Mortgage Servicing Ratio(MSR). That is how the loan eligibility is calculated.
How Much Loan Can You Get For Your HDB flat? I hope this post has given you a clearer understanding of the loan process and the eligibility criteria. Now you can embark on your house hunting with a peace of mind.
Banyak sih detergen khusus untuk noda luntur, tapi harganya pasti mahal. Jangan khawatir ladies, Pasti Seru bakal kasih kamu tips menghilangkan noda luntur sendiri cuma dengan cara-cara sederhana. Gimana caranya? Yuk, simak!
1. Larutan vetsin atau msg (monosodium glutamat) dan detergen.
Cara yang cukup mudah dan sederhana adalah dengan mencampur detergen dengan vetsin/msg, perbandingannya 2 : 3 untuk detergen : vetsin. Lalu tambahkan air panas/hangat, sesuai dengan pakaian yang akan anda rendam. Anda harus memastikan pakaian berwarna tadi terendam secara utuh dalam larutan. Diamkan selama 30 menit dan kucek. Kemudian cuci lagi dengan detergen saja untuk menghilangkan sisa-sisa msg yang menempel dan bilas hingga bersih.
2. Larutan cuka, garam dan detergen.
Anda juga bisa memanfaatkan bahan dapur lainnya, yakni cuka. Tambahkan garam dan detergen dengan perbandingan cuka yang sama banyak dengan sabun detergen. Tambahkn air panas ke dalam ember hingga setidaknya seluruh bagian pakaian terendam.
Bila tidak terendam semua, maka noda luntur akan bergerak ke arah bagian yang tidak terendam. Diamkan pakaian di dalam ember selama 30 menit dan lihat hasilnya setelah dibilas.
3. Larutan citrun dengan detergen.
Satu lagi larutan asam yang cukup populer digunakan dalam mengatasi noda luntur yaitu larutan citrun. Bubuk citrun ini terkenal sangat efektif dalam mengatasi noda, termasuk noda luntur dan noda tinta yang biasanya sangat sulit dihilangkan.
Cukup dengan memadukan bubuk citrun dan detergen lalu tambahkan air yang cukup untuk merendam pakaian hingga seutuhnya terendam. Diamkan selama 30 menit dan cuci kembali dengan detergen, kemudian bilas hingga bersih. Akan lebih baik kalau anda menambahkan sedikit garam yang akan menambah kinerja larutan tadi.
4. Baking soda dengan deterjen.
Bila noda luntur di baju anda tidak terlalu parah, hanya mengenai beberapa bagian dengan warna yang tidak terlalu mencolok, maka anda bisa menggunakan campuran detergen dengan baking soda. Meski tidak seefektif cairan cuka atau vetsin, tapi cara ini juga cukup banyak diminati karena bahannya lebih mudah didapatkan.
5. Merebus pakaian dengan deterjen
Tips yang terakhir ini hanya memakai deterjen anti noda dan air saja lalu direbus seperti anda memasak air. Setelah air mendidih, kecilkan api lalu masukkan pakaian yang terkena luntur dan aduk hingga beberapa menit. Biasanya setelah diaduk dan tunggu beberapa menit, air akan berubah warna sesuai noda luntur pada pakaian anda. matikan kompor dan tunggu hingga air dingin lalu bilas dengan air dingin hingga bersih.
Cara ini juga cukup efektif untuk mengatasi pakaian atau baju yang luntur tapi tanpa menggunakan deterjen. Jika anda mempuyai baju baru atau lama yang rawan luntur, maka rebus dengan air saja (tanpa deterjen) dan dijamin baju anda tidak akan luntur apalagi sampai melunturi pakaian yang lainnya. Seperti kata pepatah : mencegah lebih baik dari pada mengobati.
source : http://mamacerdas.co/2017/10/25/baju-kelunturan-kembali-cling-tanpa-pudar-warna-bisa-di-coba-sendiri-dirumah/
Jadi sebelum ada pakaian yang melunturi pakaian yang lain, alangkah baiknya jika anda mengatasi pakaian rawan luntur terlebih dahulu. Karena meskipun tidak begitu sulit mengatasi noda luntur pada pakaian berwarna anda, tapi memaksa anda untuk menyediakan waktu yang cukup lama dan melelahkan untuk mengatasi noda luntur tersebut.
Selamat mencoba dan semoga pakaian atau baju anda terhindar dari noda luntur!
-----------------------------------------------------
How Much Loan Can You Get For Your HDB flat?
While I was looking through my Facebook news feed last week, I came across a feed by someone who said he bought a $400K+ 5 room HDB flat only to find that he was only eligible for a loan of $200K+. The thought of coming up with $200K+ of cash is scary for any young couples who will be getting the keys to their HDB flat soon. So why was the loan eligibility so low? The answer: "both husband and wife are self employed."
Being a self employed, it can be harder to prove the income that you receive thus affecting your loan eligibility. We'll discuss more on the situation and what we can do to overcome it.
Process of applying for loan from HDB
Before we dive deeper into the situation of the self employed couple who didn't manage to secure a full loan, let's look at the process in applying for a loan from HDB.
Here's how the loan process works:
Before you apply for a BTO flat, you'll be required to submit a HDB Loan Eligibility (HLE) Letter. From February 2015, buyers must produce the HDB Loan Eligibility letter when they book their flat and not at the signing of agreement which is 4 months later.
Once your application for HLE has been approved, you can proceed to apply for your flat.
Your HLE letter is only valid for 6 months
Most BTO flats take 2-3 years before they are completed so your 1st HLE will no longer be valid.
You'll be required to apply for a 2nd HLE. This is the important stage. If your HLE application does not cover 90% of HDB purchase price at this stage, you are required to top up by CPF/cash
If you are unable to top up, you will have to either take a bank loan or forfeit your flat and lose the 5% down payment you paid plus other initial cost
Applying for HDB loan as a self employed
If you're a self employed, applying for a HDB loan can be more complicated as compared to an employed person. Self employed can mean you own your own business or you're working as a freelance such as teaching private tuition etc.
As a self-employed applicant, you'd need to prepare the following documents to prove your income for the loan application:
a) Valid Accounting & Corporate Regulatory Authority (ACRA) Computer Information (Business Profile) or Valid license of business / trade; and
b) Latest Notice of Assessment from IRAS or Certified Annual Statement of Accounts from an audit firm; and
c) Credit bureau report#; and
d) Latest 12 months’ bank statements/passbook.
Where is the problem?
The problem will come when you cannot prove your income to HDB accurately. By accurately, it means do you have prove of your income and that you have the means to afford that flat you're buying?
For example, you may be teaching tuition on a full time basis and most parents or your students will pay you cash. If you do not deposit the money into your bank account, there is no way to prove that you actually did make that income you declared to HDB. Let's see how we can solve this problem.
How to get the loan you required for your HDB flat?
1. Credit your income into your bank account
For an employed person with CPF contributions, it is much easier to get the loan you required as you just need to provide latest 3 months payslip and latest 15 months CPF contribution history. All these information can be retrieved easily.
For all others without a fixed monthly income, the general guideline is you need to provide latest 12 months bank statements/passbook. Therefore, always remember to credit the income you receive from any sources especially 12 months before you apply for the HLE.
2. Declare your income accurately to IRAS
Another information that you need to provide to HDB for the HLE is your latest notice of assessment from IRAS or certified annual statements of accounts from an audit firm. If you're a business owner and have proper accounts and income tax declared accurately, it won't be much of a problem securing your loan.
However, if you're doing other freelance services on an individual basis, make sure you declare your income accurately to IRAS for tax purposes. You can't be saying you earn $3000 when your income declared is only $1000.
3. Take note of your other loans
If you have other loans such as student loans, car loans or credit card debt, it'll affect the loan eligibility you'll get as well. One thing to take note of is the Total Debt Servicing Ratio (TDSR). It is at 60% currently. This means you can only take a maximum of 60% of your gross monthly income to pay for all loans. This include all your other loans such as car loans, credit card debts, students loans and personal loans etc.
4. Know how much loan you are eligible for
It is easy to plan ahead and know how much loan you're eligible for so you do not get a shock later. On the HDB website, they have a enquiry on maximum loan calculator where we can key in some of our details and know the estimated loan we're eligible for.
If you're self employed with a combined income of $6000, the maximum loan eligibility should be the same as long as you can prove your income accurately for the latest 12 months instead of just 3 months for an employed person.
source : gyounginvestment.blogspot.com
A maximum of 30% of your gross monthly income can go into home loan repayments currently. If you earn $3000, only $900 can be used to pay for your housing loan. This is known as the Mortgage Servicing Ratio(MSR). That is how the loan eligibility is calculated.
How Much Loan Can You Get For Your HDB flat? I hope this post has given you a clearer understanding of the loan process and the eligibility criteria. Now you can embark on your house hunting with a peace of mind.
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