Lowyat.NET: Latest topics by joeaverage

Maybank Home Loan - Flexi

joeaverage — Thu, 16 May 2024 16:16:41 +0800

hello..

I have a housing loan of about RM400k with Maybank.. it is flexi loan and i can pay in advance which can be withdrawn by paying rm25 per withdrawal but otherwise it reduces my principal and interest i pay will be lower. The loan comes with a 4 year lock in period. the amount has not been fully disbursed.. prop undercon.

is there a cap to the advance amount i can pay in or i can pay as much as 90%/95% and as long as it is not fully paid.. the early settlement doesn't kick in?

Also, my loan installment once fully disbursed will remain the same as in the offer letter? or it will come down? if the former - wont it force me to early settle unless i withdraw the advance payment? if my monthly installment is less - the amount adjusted to correspond with original tenure in loan agreement?

Postpaid with Device

joeaverage — Fri, 16 Aug 2019 20:15:50 +0800

My relative has got a new job which comes with RM200 monthly mobile allowance. She wants to maximise this benefit but she has never used a postpaid line - only been a prepaid user all along - and does not want to MNP her prepaid line.

So she wants to get a basically get a new phone and have it bundle with a new postpaid line (which can be low data/minutes etc). Just higher spec phone. But have the monthly bill in single bill to claim the mobile allowance. Her idea is that she gets a new phone that is paid for by the company over a period of 24 months (monthly being rm200 or she tops up slightly).

Any suggestions? I tried looking on the various websites but it seems very confusing and also not clear if upfront is required and how it would work. Please help..

Cooling System - Auto and AC

joeaverage — Thu, 08 Feb 2018 10:31:47 +0800

asking in a specific forum on aircond service.

closing this topic.

Personal Finance / Money Management App

joeaverage — Thu, 13 Oct 2016 18:07:28 +0800

Hi all,

Can you guys recommend any free Personal Finance / Money Management Apps for Android?

I googled and there are many suggestions but would like to see what others have to say.. Remember reading some input on this in another thread/topic but cant find it now.

thanks all!

WTA - Aircond Installation

joeaverage — Wed, 04 May 2016 17:15:56 +0800

Some of the posts in the forums have pretty bad tales of aircond installation. I have 2 1.0HP airconds to install and will appreciate it if anyone can suggest or recommend installers as well as give their contact numbers and an estimate of how much it will cost.

House is in Puchong. Thank you.

Transfer of Individual Title

joeaverage — Wed, 08 Jan 2014 15:45:00 +0800

Back in 1997, a relative bought property from XYZ Sdn Bhd. Subsequently, after much delay from the VP date in the S&P Ag - the property was handed over. The company had been having financial issues.

Recently, received a letter from the liquidators of XYZ Sdn Bhd stating that the individual title has been issued and asked for the submission of some documents to effect the transfer.

The letter requests that payment of 1% of the S&P price be made as administrative fee to the liquidators. Additionally a sum of RM400 for disbursements to be paid.

I called up to check where is this prescribed and to check if the winding up order says so etc. the liquidators rep said it is just industry practice and normally it is 2-5% and this 1% is already very little.

Anyone know if this is accurate or faced similar situation?

TQVM!

Optical Benefit & 1st Increment

joeaverage — Mon, 12 Aug 2013 18:54:25 +0800

Can anyone shed a light on

1. What is covered by 'optical benefits'? I suppose any eye surgery would be covered under medical.. so does this include expenses incurred for optometry?

2. If you're employed for only a quarter of the year before the increment in the company is given (e.g. commence employment in September and company increment is in January)- GENERALLY, would there be an increment? or would it be only the 2nd January that you are there..

The above are subjective (different company will have different practice).. just trying to get an idea before I attempt any challenge with HR

WTA: Disposing of Property (things to do)

joeaverage — Tue, 10 Jan 2012 10:45:19 +0800

My cousin is selling her property and has found a buyer. The property has been fully paid off and is a landed one. The buyer has gotten his loan approved and the bank has engaged a lawyer to prepare the S & P Agreement. My cousin has looked at the S & P Agreement and is of the view that everything is in order. However, she undertstands that there are certain things she needs to do as the vendor/seller.. including submitting Forms CKHT 1A and 3 (property is more than 5 years).

I will appreciate it if anyone can give details of what else needs to be done.. anything else about land tax etc? She would like to manage the matter without engaging external lawyers as she is the seller and property price is not very high.

Also, are there are specifics that needs to be looked at in the S & P... making sure sthing is there or not there, etc.

Thanks all.

[addedon]January 10, 2012, 12:53 pm[/addedon]erm.. no one has any idea?

Fixing a Dent

joeaverage — Fri, 15 Oct 2010 11:47:06 +0800

I gotta fix a dent in my Kelisa. An old aunty (grandma actually) knocked me.. Felt bad to tk money fr her- so now am worried I am gonnna regret.

How much would it cost to fix? Also, any recommendations of workshops?

I am aware of the shop behind TESCO Puchong- dont know if this can be fixed without having to repaint. any thoughts?

thanks all.

[attachmentid=1834825]

Auto Insurance

joeaverage — Tue, 28 Sep 2010 18:04:22 +0800

I wanna renew my insurance and the past 2 years- got my policy from AmAssurance.

Since I will be making my roadtax renewal online through MYEG, wondering if i should also just renew the insurance. there are only 2 companies linked to MYEG- RHB and ETIQA. ETIQA's link doesnt seem to work so am wondering if its fine to renew with RHB Insurance?

Has anyone done before? and made any claims? got problems?

Is there a link where i can see the panel workshop for RHB Insurance? Cant seem to find online.

thanks.

Gym - near Shang Ri La Hotel

joeaverage — Thu, 09 Sep 2010 17:25:24 +0800

Hello.

Would be starting work at a new place near shang ri la hotel (kl) on jln sultan ismail.

I tried looking up and found 2 gyms (reasonably) nearby:-

(a) FF in Menara MBF
(b) Clark Hatch in Crowne Plaza

Does anyone know other gyms in the vicinity?

Lots of discussions on FF in the forum and can read up. Any feedback on CH for those who go thr?

thanks.

Hong Kong:How much cash to tk & Must Dos

joeaverage — Tue, 07 Sep 2010 13:03:45 +0800

Hello.

As the title says, I'd be making a trip to HK in 2 wks.

How much cash (HKD) would i need to take with me for the trip. I hv got accomodation covered (bfast included). So, the expenses for the cash i am taking would be basically for other meals (lunch & dinner), transportation (considering the airport express tourist card which is HKD300- good idea?), entrance to touristy spots (the must sees) and some souveniers [t-shirts, key chains and what nots].

Am not getting fashion clothings or the tech stuff.. and if I really do- will use CC.

So, pls suggest how much would be not too much and not too little to take if you got experience going to HK b4.

Also, what are the absolute things i must see / do?

thanks all.

[WTA] Parking at Wangsa Maju LRT St

joeaverage — Tue, 03 Aug 2010 13:21:56 +0800

Does anyone know if the Wangsa Maju LRT st have space for parking? and the rates too pls.

I intend to leave my car there in the morning and take the train to KLCC.

thanks.

Price of Door Knob

joeaverage — Fri, 11 Jun 2010 10:48:09 +0800

I had to bust my room door knob and instead of getting a locksmith to come fix.. i wanna just DIY..

i am sure tesco and carrefour would carry door knobs.. but whats the price?

am quite certain it would be cheaper than the locksmith and shops specialing in locks.. right?

[WTA] Upcoming/New High Rise Dev in Jln Ipoh

joeaverage — Thu, 15 Apr 2010 10:53:32 +0800

Can anyone advise if there are any upcoming developments near or along Jalan Ipoh?

I am aware that Jln Ipoh has tons of recently completed properties (Viva, Rivercity & Putra Majestik).. and also the recently launched Casa Idaman.. Just wondering if anyone has any information on other developments that may be coming up. Did a google/internet search but cant seem to find any..

thanks in advance. appreciate it!

Winter Clothing

joeaverage — Thu, 25 Mar 2010 11:35:44 +0800

As the title says- would appreciate feedback where I can get winter clothing in KL at good prices.

I know about shops like 'Universal Traveller' and 'Going Places'.. besides these.. heard that there are stand-alone shops (not branch) that sell at better prices.

thanks.

From Puchong Prima to Subang Parade

joeaverage — Fri, 19 Mar 2010 10:41:29 +0800

As the title states.. will appreaciate if anyone can let me know if there are buses why ply that route directly.. and if none, what buses do i catch and get off and catch again to get to Subang Parade from Puchong Prima.

I checked the RapidKL site- appears that the only way is to catch a bus from Puchong Prima to IOI Mall and then another bus to Subang Parade. will appreciate if soemone can confirm.

are there alternativeS?

cheers,
Joe

Protein Supps for Beginner

joeaverage — Fri, 08 Jan 2010 12:24:33 +0800

I just started strength training about 2 mnths back. Started hitting the gym to essentially lose the belly and get a more toned and defined body. NOT to get big or bulky.

Been reading the forums and stuff online and it appears that even if u dont wanna be big or put on muscle mass, to get a leaner and more toned body, protein supplements is a must. is this correct? would these supplements make you get fatter?

if so, where do i start? i did some research and think i should use whey protein and casein. am looking at ON Gold Whey (one serving split before and after workout) and ON Casein (one serving before bed) on training days and the same amount on non training days. is this too little? is this even the right thing to take for my goals- not get big and not get fat.

generally, the prices i see for these products online are RM180 and RM200? good deal? can someone tell me how much GNC stores sell them for? i prefer over the counter transactions as opposed to online buys.. or suggest other stores in klg valley that has good prices.

any other helpful info is appreciated.

P/S: i know there are lots of threads on this issue but none that i can find that helps me answer the above. if there are- pls let me know.

Joe