Lowyat.NET: Latest topics by Neo Light

Increase life insurance sum assured or MRTA

Neo Light — Sat, 01 Aug 2015 01:00:31 +0800

I am planning to take a housing loan.
Still considering whether or not to incorporate MRTA into my housing loan.
I currently have an existing life insurance policy with 150k sum insured for death & permanent disability.

Lets say my loan amount is 500k.
Which is better move:

A) Take MRTA and cover 500k.

OR

B) Increase my existing life policy from current 150k to 500k.

I am not sure which premium is cheaper. Perhaps you can share here as well.
If you are me, which option above will you go for? and why?

MRTA vs increase life policy sum insured

Neo Light — Sat, 01 Aug 2015 00:57:39 +0800

Deposit 3% for house booking

Neo Light — Thu, 02 Jul 2015 15:14:31 +0800

I will be going to view a house(just recently got VP few months) and after months of research and waiting, finally I saw the best/cheapest price.
Called the property agent and said yes confirm the price can be given. So set appointment to view this weekend.

After viewing if I am fine with the house, need make booking 3% by cheque. The house about 600k. So I assume I need open a cheque of RM18k to him on the spot.

But before I pass him the cheque...
Questions:
1) Is the above the right process practice in buying a house?(first time buyer here)
2) How do I protect my interest?
3) Any documents involved here?
4) Do I need to check whether this property is under the said owner?
5) What if the agent run away with my cheque? Shall I write the cheque's date as two or three days later to be safe?
6) What if owner(seller) decides not to sell to me few days later?
7) What if my loan rejected? Can I get back my RM18k?

Please enlighten me

Mid Autumn Festival

Neo Light — Wed, 03 Sep 2014 14:55:36 +0800

Next Monday, 8th September....where to celebrate Mid Autumn/Moon Cake Festival with your love one?

For Chap Goh Mei, we go lake watch ppl throw oranges at places like; amcorp mall nearby lake, bandar tun razak...

But what about Mid Autumn? Any places recommend in Klang Valley?

Mid Autumn

Neo Light — Wed, 03 Sep 2014 11:55:58 +0800

Mid Autumn Festival

Neo Light — Wed, 03 Sep 2014 01:16:09 +0800

Where do couple usually hang out during Mid Autumn festival in Klang Valley?

Pos office renew roadtax

Neo Light — Wed, 12 Feb 2014 14:06:33 +0800

if i go renew my roadtax in post office, can i do it without bringing my car geran? my geran is still with the bank.

Desktop Hard Disk

Neo Light — Tue, 14 Jan 2014 18:13:01 +0800

I have a problem with my desktop CPU. After weeks of trying to solve but to no avail.
So I can only use my laptop. I plan to copy all the data in my dekstop hard disk out to my laptop, but how?

I have 3 hard disk in that dekstop(2 IDE & 1 SATA). How do I transfer those data to my laptop? via USB? but those 3 hard disk in that desktop doesn't have usb port. And how do i supply power into those IDE and SATA hard disk when I am doing transfer?

Sorry, I am a beginner in hard ware, so pls forgive me for this noob question. I sincerely seek advice here.

mydeal.com.my

Neo Light — Fri, 06 Dec 2013 15:22:08 +0800

i bought 2 products(shoe cabinet and bedsheet) via mydeal.com.my in early october..until now the products did not reach me and no one calling me to arrange for delivery..
email to their support team and no responds..

am i been con?
anyone who bought products from mydeal.com.my and receive their product successfully and on time??

what can i do now?

Lizard, Ant, Rodent, Cockroach

Neo Light — Tue, 03 Dec 2013 11:55:27 +0800

I just recently move in to my new renovated house(10 years old house but recently complete major reno)...however after 2 weeks of stay, I notice lizards and ants start making their way in to my house.

I need advice on how to reduce or totally wipe out this menace(ants, lizards) before more insects start terrorizing my home. Please share your experience, on what you did to reduce or prevent all these.

Thanks.