Misc100

i also saw giant selling but 450w only. but 450W need a lot of strength?

as long as i have the mortgage loan, i cannot cancel this policy, else there is admin fees of $200 per annum however, i can get another fire insurance on top of it contents insurance is impt...eg tv fridge replacement if there is fire

My mortgage loan is with OCBC and the fire insurance is by OAC (arranged by OCBC as it is a subsidiary of OCBC). The policy is known as Mortgage Interest Policy, I have spoken at length with both parties. This is what the policy does: When there is a fire in my unit, and I need renovations to redo the house, I cannot claim from this policy. It is during the months when the unit cannot be stayed that OCBC will claim from this policy the equivalent amount of mortgage loan. The polcy will not claim back from me. So basically I do not have a fire insurance policy although it is given free by the bank for 1st year and mandatory for subsequent years (payment to be made by me). I have been advised to get an 'additional' fire insurance policy myself.

My mortgage loan is with OCBC and the fire insurance is by OAC (arranged by OCBC as it is a subsidiary of OCBC). The policy is known as Mortgage Interest Policy, I have spoken at length with both parties. This is what the policy does: When there is a fire in my unit, and I need renovations to redo the house, I cannot claim from this policy. It is during the months when the unit cannot be stayed that OCBC will claim from this policy the equivalent amount of mortgage loan. The polcy will not claim back from me. So basically I do not have a fire insurance policy although it is given free by the bank for 1st year and mandatory for subsequent years (payment to be made by me). I have been advised to get an 'additional' fire insurance policy myself.

Hi, Can anyone comment on this type of rooftop of a penthouse? The rooftop total area is about 1000-1100 sq ft. The open area has 3 parts (they are circled) and in the middle of these 3 open areas, there is a master bedroom and a family area. Find it rather unique but not sure if it is practical.

I called up my fire insurance insurer today. Was rather surprised to get this info: 1. The fire insurance is actually taken by the mortgage loan bank, but the owner of the house has to pay from the 2nd year onwards (the 1st year is free). However, the beneficiary is the bank. If in the case of fire, and the owner is not able to pay the mortgage loan, the bank can claim from this fire insurance policy. The insurer will claim back from owner later on. The only thing that the owner can claim from this policy is Contents (which is a giveaway from the insurer - only max $10000). 2. The owner cannot cancel this policy as long as the mortgage loan is outstanding. 3. If the owner wish to change insurer, the owner has to pay the bank $200 annual fees to the bank every year. 4. In the event of fire, and the owner has to do extensive replacement/renovation to the unit, the owner cannot claim from this fire insurance policy. I was advised to take up an additional fire/home insurance policy (can be from any insurer), if I need this to be insured.

For (1) and (4), it is what the insurer has told me. I wil try to double-confirm with the bank. thanks!

I called up my fire insurance insurer today. Was rather surprised to get this info: 1. The fire insurance is actually taken by the mortgage loan bank, but the owner of the house has to pay from the 2nd year onwards (the 1st year is free). However, the beneficiary is the bank. If in the case of fire, and the owner is not able to pay the mortgage loan, the bank can claim from this fire insurance policy. The insurer will claim back from owner later on. The only thing that the owner can claim from this policy is Contents (which is a giveaway from the insurer - only max $10000). 2. The owner cannot cancel this policy as long as the mortgage loan is outstanding. 3. If the owner wish to change insurer, the owner has to pay the bank $200 annual fees to the bank every year. 4. In the event of fire, and the owner has to do extensive replacement/renovation to the unit, the owner cannot claim from this fire insurance policy. I was advised to take up an additional fire/home insurance policy (can be from any insurer), if I need this to be insured.

are they usually aunties?

hey thanks! will take a good look at this!

I see. Thanks for the info.

Hi, Most fire insurance have 2 main portions: 1. Buildings, 2. Contents I have a question whether we need insurance for Buildings for fire insurance. As the insurance taken by the management corporation already cover the building and common property against fire damage, would Contents coverage be sufficient? Why do we still need the coverage for Buildings?

Hi Any one can recommend some part-time cleaning services? Thanks in advance!

i will do this soon

i wish they have the sale again it is now selling at $129 at HomeFix DIY

thanks i will be doing this soon

thanks for all the useful info!

Choo Chiang -> Bosch drill - 550W - can get at $178 special discounted price HomeFix DIY -> Black n Decker - 550W - can get at $129 (price higher than elsewhere I believe) Anyone can recommend some place even cheaper? Thanks!

wouldn't all the other authorised dealers of Nippon be same price as Hwa Tat, who is also an authorised dealer? http://www.nipponpaint.com.sg/services/nip...orised-dealers/

gain city always recommend panasonic, any reason?

it seem different shops are charging different prices for the same product

Is it true that normal aircon warranty is only 1 year? I was offered an extended 4-yr warranty foc at Gain City Expo today.

Anyone using Sensodyne® ProNamel toothpaste? ...supposed to have gentle teeth whitening effect. is it good? cannot find it at Guardian though http://www.pronamel.us/Why.aspx

Where can I find a good yoga mat? Thanks in advance!

Anyone went to the Gain City Fair at Expo? How is it?