andylyf

i pay about $303/year for 20yrs and it covers death, terminal illness and disability. As far as i know, CPF covers oni death n disabilty right ? This scheme protects members and their family members from losing their homes should the insured member become permanently incapacitated or die before the housing loan is settled. CPF Board will pay the outstanding loan based on the amount insured.

Home Protection Scheme (HPS) HPS is a mortgage-reducing insurance scheme administered by CPF Board. It insures CPF members and their families against losing their homes should members become permanently incapacitated or pass away before their housing loans are paid up. If you are using your CPF savings to pay your monthly housing loan instalments, you have to apply for HPS. HPS is a must if you paying for your flat via CPF. However, u can obtain a HPS from outside insurance companies if you do not wish to use the one provided by CPF. Once u obtain a HPS from outside CPF, u can login to CPF.gov.sg, under My Requests >> Insurance, u can make a request to be exempted from HPS. But you have to provide your insurance details (e.g insurance no.) Me and my wife are currently under prudential HPS, and have requested to be exempted from the one provided by CPF. However, u must have a HPS, if not, HDB is gonna ask u pay in cash for your monthly instalment. Application for Exemption from Home Protection Scheme (HPS) The Board reserves the right to monitor usage of the Service and has the sole discretion to refuse access or use by any person at any time without having to give any reason nor any prior notice thereof. 1. Under no circumstances shall the Board be held liable vis-à-vis any person for whatsoever loss, cost, damage, claim or expense such person may suffer or incur, howsoever arising from: (a) the timely, complete nor uninterrupted receipt of any information via the Service; nor (b) the uninterrupted availability of the Service. 3. (a) any access, use, abuse or misuse of the Service by any person; (b) any inaccuracy in any information received via the Service; The Board reserves the absolute discretion to: 4. © any delayed, incomplete and/or interrupted receipt of any information via the Service; (d) any interruption in the availability of the Service; and (e) any modification, suspension, termination or withdrawal of the Service. 5. Any person who accesses or uses the Service shall indemnify the Board against any loss, cost, damage, claim or expense suffered or incurred by the Board, howsoever arising from any access, use, abuse or misuse of the Service by him/her. modify, suspend, terminate or withdraw the Service; and/or 6 Any person who uses the Service: acknowledges and agrees that his/her request shall not be deemed as received or executed by the Board until he/she has received the Board's written confirmation of receipt of the same. a) b) c) (b) amend, add to or delete any of these terms and conditions, at any time without having to give any reason nor any prior notice thereof. (a) shall be solely responsible for ensuring the accuracy, adequacy and completeness of his/her request and the Board shall not be obliged to verify the accuracy, adequacy and completeness of such instructions. The Board shall not be responsible for any loss or damage suffered by the requester or any other person as a result of the requester's instruction being inaccurate, inadequate or incomplete in any way. d) shall indemnify the Board against any loss, cost, damage, claim or expense suffered or incurred by the Board, howsoever arising from the Board's acting on his/her request. acknowledges that his/her request shall be binding on him/her upon transmission by him/her. The Board shall, upon receipt of his/her request, use reasonable endeavors to act on such request provided that the Board has sufficient time after receiving the request to act upon such request. A request made through CPF online services will supersede any previous request(s) communicated to the Board in whatever mode.

comes with 2 pillow, 1 mattress protector, 1 latex pillow, 1 sheep and bench. I bought the serta syntheic leather bedframe too.

I ordered my Serta Arizona queen size from ackerman and it was delivered promptly last sat. Except for the bench which they do not have stock now, will deliever this fri / sat, hopefully it will be prompt too. Was served by Best lee and can say he's quite a nice guy.

For my 5 room flat, me and my wife DIY the painting, total paint used 1) 2 X 7litre sealer ($16 each) 2) 2 X 5litre Nippon medifresh ($50+ each, forget the price) living room 3) 3 x 5 litre Nippon ordorless ($57 each) 2bedroom, 1MBR 4) 1 x 1litre Nippon ordorless ($15, bought extra) total cost : around $330

last year, was actually very tempted to the 32" V series LCD tv during their yearly sony sales. When R81 came out, i was so attracted to the design, and since they get their panels from samsung. After much thoughts, i decided to get the 32" R81.

hmmm, i bought the 32" R81 last week for $1560 nett with free gifts too... got upgrade to HTQ22 cause HTQ20 no stocks....

I got waves on Channel 5 & 8 too, dun have digital box. BUt i change and adjust the cable a bit, better now. Tot of buying a TV signal booster, will it help? Other channels are clear n ok.

Hi everyone, anyone has any cheap n good plumber to recommend ? Cause i will be changing my instant heaters to storage heater, so need the repiping work. Please give me any contacts which you have. Thank you very much. or can email me at andylfy@singnet.com.sg

for the 32" R81, is the price $1560nett a good price ? btw, i have check with samsung, the promo will end this month...

ya, like what i said, u boil your food, and then put inside the pot. The main function of the pot is to retain the heat, and prevent it from losing too fast. So that the heat can cook whatever inside. How long can it retain the heat? it depends on the thickness of the pot and the quality of the seal.. Primary school science teaches u Conduction, Convection, Radiation. These are the 3 areas which will casue your inner pot to lose heat over time.

cook ? ask youself this question first, to cook something, we need energy to provide the heat to cook food So where is the source of energy for this pot ?

From what i see, it's just a just a pot providing another layer of "seal" to prevent heat from losing too fast. So that the inner pot got time to cook whatever its inside. If u mean making soup. By the time when u need to drink the soup, probably it has already cool down n u need to reboil. So why buy such expensive pot when u can just boil ur soup, leave it there, and then reboil it when u wana drink again ?