cacabi111

Hi, cos eample if i have excess $20K in OA, if used for prepayment, it will reduce principal by $20K, thus interest saved is 2.6% of $20K. but if i leave $20K in CPF OA, it collects 2.5% in interest. Like not much difference isn't it? Cos i thought that since hdb got insurance, anything happens, the remaining loan may be covered partially. So no need to clear off the loan so quickly. Pls correct me if my understanding is wrong, thanks.

Hi, will appreciate some advice, thanks. Current situation: I bought HDB two years ago, and took a 20 year HDB loan. My CPF Ordinary Account has saved some excess cash over a period of time. I am considering to use this excess cash to make prepayment on the HDB loan, aiming to cut down on total interest payments and reduce the number of years for loan. (I have already kept some savings as buffer However, as Ordinary A/C savings gets 2.5% and HDB loan is 2.6%, it seems to me there is no real advantage to make a prepayment on the loan rite? I save on interest payment at 2.6% to HDB, but also have to forgo the 2.5% interest that CPF pays me..... Perhaps better not to prepay? Hope to hear some advice, thank you.

With CPF money OA earning 2.5% and HDB loan at 2.6%, actually it seems there is not much difference. Cos now my CPF OA has accumulated some cash, i was considering using this cash to prepay some of the HDB loan, but since the interest earned and paid are similar there is no substantial advantage to make a prepayment. Do correct me if i am wrong, thanks.

Pls help, thanks! 1) my drainage pipe is plastic type (so cant pour hot water), how to clean and unchoke properly? (moved into resale flat, the pipe is working fine...but can see lots of hair in the pipe) 2) what detergents to use on toilet floors...any that can create suds?

i think its Samsung 1310, its has a skin cover (grey-silver design) & looks perfect for my white door/bronze gates cos not as harsh as black....cost abt 450, but its really nice so well worth the px!

Hi guys, finally i've bought my Samsung Digital Lock.....super nice! Bought from DoorPlus from Liang Court, have a $50 voucher from there, am letting go at $25. If interested, sms me at 97732241

Hi Wolflet, thank you, change the filter cartridge last night liao! Hehe actuallly my bf did it...he say ur reply helped a lot, TQ vm

Is it possible to put up small rain protector for kitchen window (keeps rains out when windows slightly open)? Neighbours upstairs has water dripping from their wet clothes...i dun dare put my clothes outside thinking to leave windows open during day when i work, but need something to block against rain (in case it rains) Thnx

erm...meaning i cant just get rid of the filter easily & just use normal tap water? hmm if cannot just remove filter i will try to take out the cartridge to wash and dry (seems quite dirty looking cartride though!) ....just to check no need to hunt the same brand (Kemflo) cartridge, can just use other brands rite? btw is taking out the cartridge difficult? cos i tested once but not really sure what to do....seems must use some device to remove, i found come C-shape device in the drawer....use this to twist? of cos must off the water supply first hor? scary to DIY, but must cut cost... pls advise...thanks!

Hi i realise the resale place we bought has a water filter (beneath the kitchen sink, think filiter is 5y old)... is it ok to just change the filter cartridge.....or is it more advisable to just remove the whole thing? Anyone came across this prob before? The brand is Kemflo, if changing cartridge is fine, anyone knows where to buy Kemflo cartridges for water filters? Thnx.

Hi is it true that small eledctrical items (microwave, ricecookers, fans etc) are really alot cheaper in JB? And bought from JB can be used in Spore without problems? And where in JB is good to get wide variety/ best prices for good electrical brand items? Thanks!

Hi, my resale place has some slight prob with the marble floor (stain and a small chip) What can I do about it and any contacts to recommend pls?

Hi everyone, just a nagging worry....am going to reinstall the curtain tracks at my home. Never did it before...will it leave many unsightly holes? How do i DIY to plaster back the holes? Has anyone done this & how is the end result? Hope to have some advice, thnks!

Hi everyone, am considering to get digital lock for home....any recommendations pls? whats the best deal I can get for <$500, any online sales for it plus installation? Thanks very much.

Hello Jesslyn, I come across ur T-blog recently & saw ur troubles, congrats on finally finishing reno...feel very happy for u too! I have an recliner black leather chair with footstool (to rest tired legs on after a long day) Bought from Ikea last time but mostly used it to put laundry only so its in good condition. This is pic of it, if u want it pls let me know ok.....all the best to u! http://s782.photobucket.com/albums/yy102/g...ew714/?newest=1

although 1422 ($899) is newer model but its spin speed selections skips from 800 to 1400 (i seem to rem so...) whereas for 14331 ($799) spin speed can select ....800,1000,1200,1400, therefore it provides more flexibility

Hi, can anybody help to recommend where i can custom make metal storage racks for the storeroom? My storeroom is converted out of a closet so its quite small, m hoping that custom make can help to maximise the space. Pls advise on the cost as well, thank you.....& merry christmas everyone!

Hi forgotten, u've nailed it...heart really bleed cos of all the money involved! but despite everything, it feels great to have a nice little place of our own nowadays no more shopping & restaurants liao....

Hi Tiler Seng, my resale place HDB 4R 105 sq total, am considering using marble tiles. Whats the price range for your marble tiles if I do marble flooring for living room and the 3 bedrooms? (no need for kitchen) Reply here or PM is ok, thnx.

hi forgotten, ya i agree the 10K COV is quite a good deal, maybe cos Jun timing....seems that from early Aug prices started to go crazy & i am beyond shocked Sengkang COV more than 35K! can only think its could be becos the overall sale price in Sengkang is cheaper than elsewhere.....

woa shocked! really? LG Tromm 14331 many complaints?? tell me more pls (or provide links)....thks!

Hi i also spent super long time to check and compare models, final choice is still LG Trom 14331. Placed order 2 weeks ago for delivery in Jan...if u still have time, next month I used liao tell u how is it To me, its the best value for money.

Hi everyone, m starting a thread to see how much we have paid for COV, pls contribute! me: 20K COV for 4rm Pasir Ris around Aug 09, mid floor, clean/nice renov....

just an idea....continue with renov inside the house but leave the door and gate unchanged. Tell ur reno contractor to finish up with gate & door 3months later after the loansharks no longer harass ur unit. Although same gate/door may give loanshark idea the debtor still stays there......but all things considered its worse if u do ur gate/door nice nice and they still splash paint on it. Good luck, wish u all the best! Edit: And noooo, best not to leave the door open....another tactic is actually to splash red paint INTO the house (paint bomb), they think it causes more damage!

hi i just had my 1st appt...the usual is 6-8 weeks later for 2nd appt. The seller has the right to request for the max of 8 weeks, and thats as far as they can go. Unless buyer side also agree for 2nd appt longer than that, then HDB will fix based on the agreed date (can be lesser/more than the usual 6-8 wks) since both sides are agreeable.