no news for loan yet.........this weeknd will go eco hill again..look look see see and enjoy the scenery there...

Nowadays, being kam yee lou to tackle leng lui mui mui is not an easy task.
I talked talked with you until I got mouth but no saliva liao you also don't fall into my love net.
I guess I really have to bring along my gold fishes to meet you and talk in person with you.

Oh okay.
CY, is he the sub con or just the expert in such field so, he told you about the alarm.
I am still wondering if there will be sensors in the house - for grills - anyone planning to install grill in the house or just live as it is?
I will resort to the wireless if need to do in future should SPS not provide the wiring for grill sensors.

No need grills la, damn ugly your house, just install as many motion sensors as you can afford, kau tim!

Wah, very geng, go queue immediately, surely been tracking the project ever since WC came there la.

Bacause no lock in ah? Mahu buat roti canai right after completion meh?
     

Please don't put salt into my wound. My heart is broken into pieces liao.

it was up at 3am....   

sigh, true facts of living in this country, never feel save even in a gated and guarded environment...

You are not a cardiologist but you are a teenager killer.
Poor teenager like me, no real world experience, if meet old bird like you, die lah me.

Hahaha, Robert, I pernah kena rompak d la, so, upgrade to GnG but still will have some phobia, so, need to keep my house secured.
Agree, some grills are ugly and can be annoying during cleaning, but safety first, cosmetic second.
Also, will change all the windows, so, cannot see the grill one.

Hahaha, what to do, very limited banks offer this privilege. They want to keep us stucked ma.
Anyways, only RHB and OCBC as far as i know. Others all got lock in.
As long as not more than 2 years, should be safe lo.

Oh, great then. Anyone with broken heart due to Cheryee mui mui rejection can seek for cardiac surgery in this hospital then. 

By the way, heard of they will be renaming of Rinching to Semenyih 2 after the towship establishment, not sure how true is it. 

Gila ka, want to shoot movie meh? Just snap the park, the atmosphere ony lo.
Tripod okay la.

Anyways, good to know tat got ppl with common interest, should be a good place to live in.
Robert, you own living or investment?

I applied CIMB but didnt know about MRTA not being financed; not buying MRTA though, suggest to go for MLTA or Life Insurance tagged to this loan.
MRTA do not cover critical illness and if financed, is subject to interest rate fluctuation. Not worth it. Furthermore, if MRTA, as you age, and if you buy another property, the premium will increase. Whereby MLTA or Life will not be the same and have surrender return value in future.

Got, Alliance Bank offers MLTA and they finance it; MLTA from Manulife, one of the best package I have came across; bought one for my dad for his current house when we refinanced.
OCBC is offering MLA (its slightly different but still works similarly to MLTA) - this is from Great Eastern and it is pricey.
This is by far the two banks I know that either offers MLTA or finances them.

I am using the window with UV filtration capabilities - comes usually in 2 standard colour - Bluish or Greenish.
This window is highly reflective and it is not the tinted windows like cars, where they apply safety film or tint on to the window, but the window itself is UV coated and colour injected. It reduces visibility from outside. People from the inside can see outside at anytime. The window blocks the sun light and the reflection is on the side where the light source is stronger.

Example: During sunny days, surely, outside light source will be brighter than inside the house, so, passer by will never be able to see inside. However, at night, if the internal light source is brighter, then the reflection will be inside, so passer by can see through but homeowners will have some difficulty (assuming the light source is stronger on the inside). However, because we still have light in the porch and usually brighter than inside, the reflection will still be on the outside thus reducing visibility (though not as much as during day time) but effective enough for residents to monitor without the passerby knowing what residents are doing inside the house.

I post up some pics tomorrow based on my current house.

Okay, this weekend i go full equipped and snap all patiently.
Then i post up here for all to view and get excited.

MLTA premium is slightly higher than MRTA.
Example, I am buying MLTA for RM500k x 2 from 2 different insurance company - because want to avoid the extensive medical checkup since large amount if parked under 1 company (but, today meeting the agent to further discuss the consequences during claim) - the premium quoted per month is approx. RM400.

I was quoted for RM900k MRTA financed into the loan - RM260 premium which is subject to interest (BLR) fluctuation as well as aging factor. There is possibility that your MRTA premium could be revised as you age should there be concerns on your health. Also, MRTA - reducing coverage, as you pay up your loan, the coverage is for the remaining loan.

I prefer MLTA though its pricey and its transferrable to another property - no change in premium unless you increase the coverage.