The longer both of u live and work in overseas, the more properties u can accumulate. Everything u earn is 3-4 x ringgit, well done!!

true. but of course we will come back for good. for malaysia.

Ringgit earned 3-4 times, but oversea property earned 10 times.

After this, I look for new house in Perth or Melbourne. Any good idea? My brother-in-law stayed & PR now at Perth. He know well in Perth and alot from SEA, especially chinese. But I never visit the place yet. Planning visit by this year.

What happen if winding changed direction towards Pentas? Think must do something, if not will air polluted to Pentas & AI.

bro i suggest you send this photo to MBSA and complaint it online.
Already complaint many time yet i dont see any action taken.
Maybe should complaint also to jabatan alam sekitar....

Other than complaining to MBSA, How I&P, they can do anything on this?

CAN. Buy the factory lor. I&P got money to takeover this factory then convert to clubhouse for AI.

hahaha... hope there is no impact on pentas

Even though no smell or smoke, I would like to know what sort of affect one will get if one has a swimming pool? I have been talking to some owners. They said if neighbours love to burn rubbish (some kampung still burn), the water in the swimming pool will be in trouble. need more constant check especially on pH. Anybody here knows?

Never heard that burning rubbish affected to the pool on pH. Unless the pool on outdoor then pH will drop due to sunlight or heavy rain. There need extra chlorine to kill bacteria. Not easy we want to have a swimming pool.

The best idea the pool with cover from sunlight & rain. Now many pool concept is half/full indoor.

Yeah all owners said after some time, water will be acidic and can eat the cement in between the mosaic. They said burning smoke will act as a catalyst for this. The best way is as per what u said have the a roof for the swimming pool, cover for the pool and if dont mind, opt for liner type.

Hello guys! i am pretty close to join in the neighbourhood! excited!

Btw, any of you know whats the absolute difference in dollar amount between daily rest monthly compounding vs daily rest daily compounding.

I am struggling to choose between full flex and semi flex financing..

Welcome ~!!!

I am taking full flex due to easy withdrawn (rm10 per month for fees) from account.

Semi flex need to fill up form and some additional charges when withdraw.

my Banker say the interest rate wont be much different if the amount you have is same.

Go for full flexi for hassle free.

not sure if the hassle free outweights the fact that it is daily compounding over 30 yrs!

What do you mean by daily and monthly compounding over 30 years?

Which bank package you're comparing with, bro?

ocbc, rhb and cimb..

daily rest and daily compunding is that interest is added to your principal for calculation on daily basis..

daily rest monthly compounding is interest added to your principal on a monthly basis..so technically daily rest monthly compounding will result in overall lower interest payment..

Really makes a lot of difference?

i am still trying to figure out...have to work out an excel formula..

imagine this scenario under DRMC

day 1 = 100 (principal) x 1% (interest rate) = RM1
At day 30 you would accumulate RM 30 of interest added to your month end loan

day 31 = 130 x 1% =1.3

For DRDC, the computation will be as follow:

day 1 = 100 x 1% = 1
day 2 = 101 x 1% = 1.01
day 3 = 102.1 x 1% = 1.021
day 4 = 103.121 x 1% = 1.03121

immediately you can see you are paying more than RM1 dollar interest per day...and it goes on for 30 yrs! imagine the amount that will accumulate from your principal loan of 1 million!

Full flexi is only good if you constantly need to move your additional cash around...

now i am having trouble trying to quantify the differences as the DRMC offer a worse off rate..

That is the reason why in the market full flex is DRDC and semi flex is usually DRMC..you pay additional cost from the compounding effect for the flexibility u get. Despite the minus BLR rate from full flex loan and semi flex loan is the same, you will be paying more interest for full flex..

This post has been edited by bengjiun: Mar 22 2013, 11:35 PM

For the DRDC, how come day 1 principal is RM 100 and subsequently day 2 the principal is increase to RM 101 ?

Bro, I dunno how is the calculation it works for you, I only can advise you, ask the 3 banks of OCBC, RHB and CIMB show you the schedule table ( with interest paid after 3, 5 or 10 years ) as not every banks have the same amortization table.

I know OCBC degree scheme works and how CIMB full flexi loan works, but unsure about RHB.

The daily interest calculation should be ;

RM 100,000 x 4.2% x 1 day / 365 = RM 11.50

Say February 2013 = 28 days,
Interest calculation for February 2013 is RM 11.50 x 28 = RM 322.00 ( it is applicable whether to conventional loan or full flexi loan before the savings in the linked current account is being offset ).