Aroma party.There was this book and box of cards talking about chaka and aroma oil abilities. I drew three cards from the box and Mr SR made me concotion consist of rose, spearmint, and patchouli into a massage oil roll on bottle. Rose for the heart, spearmint for disgestive system, and patchouli for alertness/clarity. Smells like toothpaste/nail polish/just spearmint dominant. lol. Overall good stuff.
2008 products i like so far are:_
Clinique Super city block sheer oil free daily face protector spf 30+
Ultraceuticals skin care range (for acne)
Pupa gloss chic ref. 028309 / D329
菊花茶
Crayon Shinchan comics.
Brown Brothers moscato late harvest 2007 [dessert wine]
more ... *drools*
I went to seminar held by Mortgage Choice for first home buyers. Of course, i don't fit the first buyer's category, more or less i'm a spectator, still i wanted to hear how mortgages are handled and applied to property ownership. There is so much more than just application for a mortgage and paying back with interest. Mortgage choice called in special guests, a rep from consumer affairs in property sector and two solicitors from R&G. Very impressive. Knowing key terms helps when dealing with vendors, contracts, banks, and whether a method of sale (private sale/auction) coincide with your ideals.
The key words used were:
letter of offer
deposit bond
stamp duty
contract of sale [!!! be weary of]
contract notes (addition from private sale)
contractual inclusions (more areas to be concerned about)
vendor statement (doco given to you in reagrds to the property)
vendor countersigns the contract (officiation the sale of property)
section 32 of the Sale of Land Act
POA = price on application
solicitor (for reading the various document & process doco)
conveyancer (processing property transaction documents)
property valuation
caveats (3rd party interest in property)
convenants (land restriction)
section 173 agreements (council&developer&owner comply)
easements (3rd party access your property, eg. plumbing pipes)
GST (does it apply & is it well catered esp new property)
settlement
note: auction does not have cooling off period but you are allowed to ask for contract of sale weeks before the actual auction day.
The seminar was useful and informative, and there was good demonstrations of mortgage repayments calculations. Say if you were buying pre-owned property versus buying a new plot of land. I must say my salary is too low for a mortgage repyments. i might need to reconsider my career and lifestyle.
Easter long weekend was good. Friday was hot as ever i did get the chance to sleep in and watch my siblings' latest anime volume: mushi, eureka7, and school rumble. Wonderful tales. Funny and some shocking moments.
The ferris wheel ride after work with Mr. SR, Mr. CM, Ms. FMS, and my sister was fun. An unexpected surprise! Something about being suspending in the air brings excitement to us humans. I want to thank Mr. CM for organising the fun outing. For dinner we had buffet at Sante, Crown casino. We tottally stuffed ourselves. hee hee.
