Lowyat.NET: Latest topics by NaiveLady

Check Pregnancy - Clinic/ Hospital?

NaiveLady — Thu, 26 Apr 2012 19:49:04 +0800

My period was delayed for 2 weeks. But this is not the first time as I used to late period for 1 week - 3weeks.
I bought test kit yesterday & it tested positive.
But I doubt it coz I don't have mood for food these few days, have gastric pain, vomit, stomachpain & feels cold all the time.

I would like to get check by doctor to certified that I'm pregnant.
1) But, which type of clinic should I go? I'm staying in OUG.
Normal clinic that I go when I sick? Children's clinic? Fertility clinic? Hospital?

2) What are the tests that they will do?

3) Roughly how much is the cost?

4) Is this the same place that I have to go for check-up during the pregnancy?

*****I am in financial constraints currently******

Getting Pregnant

NaiveLady — Sun, 10 Apr 2011 09:02:12 +0800

I am ready to get pregnant mentally.

But I am not sure if I am ready physically. Because I get sick every now & then.

I heard that women have to "tiao yang" body before get pregnant.
What type to chinese medicine should I take? Or should I go to chinese doctor and get them to prescribe?

Chinese Customs And Culture For House Moving

NaiveLady — Mon, 30 Aug 2010 18:56:50 +0800

1) How do you find the auspicious date & time to move in a new house? If I just based on the chinese calendar (the one that you have to tear 1 page every day) indicating good day for house moving, is it okay? But how about the time?

2) Me and my partner will be staying in the house after our wedding. Do both of us have to be present for the customs & rituals? Because I am working and not sure if I need to take leave.

3) After all the rituals & customs, can we move-in the furniture few days later? Or furniture must be moved-in before the auspicious day.

4) Must we have to stay for the night it the house on the auspicious day?

0% Interest Installment Plan

NaiveLady — Mon, 30 Aug 2010 18:44:04 +0800

I am moving into my new house soon and I will be spending around RM30K for renovation & furniture.

Due to lack of cashflow, I am considering 0% Interest Installment Plan. Noted that selling price for 0% Interest Installment Plan products will be slightly higher. But, my objective is to be able to pay in installment for 6 or 12 months because I do not have so much money on-hand to buy in cash. But my questions are:

Let's say the shop offered 0% interest Installment for Maybank & HSBC Credit Card only. I bought RM12K,

1) If I use Maybank Credit Card, do I only pay RM1K for 12mths?
Or they will charge 7% service charge/ fee, then I have to pay RM1070 monthly (I/O RM1000)

2) If I use CIMB Credit Card, I need to call bank asking for installment and there is a
one time 5% for 12months installments. So, I have to pay RM1050 monthly.

Is the above statements true?

Bethrothal, Return Gift, Dowry, Bed Installation

NaiveLady — Tue, 17 Aug 2010 21:57:09 +0800

Anyone has a list of items for :
1) bethrothal (guo dai li)
2) bride's return gift
3) Dowry
4) bed installation

Where can I buy except those one-stop chinese wedding shop? Because it's very expensive.

Rituals for Moving House

NaiveLady — Tue, 27 Jul 2010 06:40:18 +0800

I had bought 8 years old apartment and currently it was rented out to a couple
I will get the keys by this week and get some contractor to view site before starting some minor renovation.

My question are:
1) What are the rituals that I have to do?
2) When to do? (Before renovation OR Before actual move in?)
3) I would like to put "kuan yin" in the house also. Is it better to buy from temple? And is it need to "hoi kong" by priest ?

Where to buy furniture & electrical?

NaiveLady — Sat, 12 Jun 2010 12:11:51 +0800

I am getting married and moving to my new house soon and need to buy furniture and electrical items.
I am in a tight budget but I would like to have good quality too.

For furniture, I heard that cavenzi and court mammoth products are cheap but very bad quality.
I have budget of RM1.5K for sofa and coffee table, RM500 for dining table and RM200 for TV cabinet.
Should I go for IKEA, Harvey Norman, Haus Depot?

For electrical, my budget is RM1.5K for TV, RM1K for fridge, RM800 for washing machine.
Any good recommendation which brand to go for?

Signed Loan Agreement But Not Sign SPA

NaiveLady — Thu, 10 Jun 2010 07:42:15 +0800

I want to buy a condominium and it is a subsale.
I paid 2% deposit and then search for the home loan.
I have received the offer letter from a local bank and signed it.
I waited for my lawyer to proceed with the rest.

I have waited for a month since signing the loan agreement and I still not signed the SPA.
My lawyer said because the owner haven't provide the sufficient documentations (his SPA, title,....etc) to its lawyer.

I need the moved in before year end for my wedding. So I hope to settle it fast as it might take 4-6months for the whole process.
I asked my lawyer whether can we signed the SPA first. Then the documentation can wait for the owner.
However, the lawyer said unable to proceed because insufficient documents.
Is it true??? Must wait for the owner to provide all documents?

Buy Ampoules, Eye Lashes?

NaiveLady — Thu, 13 May 2010 18:14:00 +0800

I will be taking my pre-wedding photo shoot soon.
All bridal studio got extra charges for ampoules (RM30), eye lashes (RM30),....etc.

Should I buy my own ? Or should I just pay and use theirs?
If I want to buy my own, where to buy the ampoules?

EON BANK Fixed Deposit Home Loan

NaiveLady — Wed, 28 Apr 2010 19:26:43 +0800

EON Bank offers fixed deposit rate (FDR) + 1.25%
Anyone know where to find the history chart of Fixed Deposit Rate in Malaysia?
Because I would like to know roughly what is the highest FD Rate so that I can know roughly estimate how high my repayment will go.

Most bank are offering BLR - 1.8%
From this website, I can roughly know what is the highest and lowest BLR so that I can roughly know how high my repayment will go.
http://www.hometrik.com/index.php?option=c...story&Itemid=29

Still cannot decide whether to choose FDR + 1.25% or BLR - 1.8%
Any comment?
I was told that when BLR increases, FDR also increases but will a slower rate (1 or 2 months later).

Cannot Take Offer Letter Home ?

NaiveLady — Sat, 24 Apr 2010 21:15:29 +0800

I had applied for few house loan from few banks as I would like to compare which offers suit me better.

However, the first bank that approves does not allowed me to take the offer letter home to study & analyse the details of the offer letter. The bank officer insist that I read & sign the letter at the branch. Since I am waiting for another banks offer, I left and said I'll need time to consider before making decision. So, he kept the offer letter.

Can the bank officer do that? I thought I can bring the offer letter home and read line by line since I am a first time buyer.

Loan & SPA Fees

NaiveLady — Sun, 04 Apr 2010 15:32:45 +0800

I will be buying a 10 year old apartment soon. However, after paying the 10% downpayment, I have not much cash on hand. I heard that need to fork out another 3-5% of selling price for the Loan stamp duty, SPA stamp duty, transfer of title, disbursement fee and processing fee.

My question is it possible to pay by credit card or 0% interest installment?

Put 2 names on property

NaiveLady — Tue, 09 Mar 2010 21:46:53 +0800

I and my boyfriend would like to buy an apartment soon.
I was told that if I want to put 2 name on the properties, the 2 person must be related such as husband&wife, brother & sister, father&son,....etc.

So, he said we must register our marriage first before buying a property. Is it true?

Eat Oat

NaiveLady — Wed, 03 Mar 2010 20:16:22 +0800

In the morning about 7.30am, I will make a glass of oat mixed with milk. I put a lot of oat until I have to scoop using spoon to eat. But I will get really hungry at about 11am where my stomach start making noise. Then I will start looking for cookies, chocolate and other snack so that I can "tahan" until lunch time at 1pm.

I heard that other people will be full if they eat oat.
But how come I get hungry easily after 3 hours?

Pre-Marital Check Up

NaiveLady — Mon, 01 Mar 2010 19:04:32 +0800

You are ready to move into a new level by marrying your ideal partner.
My questions are:

1) When is the best time? If 1 year earlier, is it too early. If 1 month earlier, is it too late?

2) Where? Hospital, clinic or lab? Which is better?

3) How much does it cost?

Do You Wear Panties When Sleeping?

NaiveLady — Fri, 26 Feb 2010 16:53:40 +0800

I've heard of people not wearing bra when sleeping due to comfort & medical reason.
However, anyone heard/ practise not wearing panties when sleeping?

Vagina Infection?

NaiveLady — Fri, 26 Feb 2010 16:44:28 +0800

If vagina discharge is yellowish/greenish, sometimes white color & sticky, itching & smelly,

1) It's called vagina infection, isn't it?
2) Is it true that if left untreated for few months/year, will it affect your fertility?
3) What are the reasons for it? frequently wear pantyliners, tight pants, or unhygine toilet etiquettes?
4) What are the over the counter medicine recommended?

Argument on Ping Kam

NaiveLady — Thu, 18 Feb 2010 19:20:54 +0800

I am getting married soon after 8 years of dating. However, parents from both family can't agree on certain things.

My parents & relatives informed the "ping kam" should be abt RM6K and requested for a piggy. They informed that that is the rate in KL. My parents told me because we're not rich, thus the money (instead of forking out our own money) served as financial aid to help them purchase essential items required for the wedding celebrations such as gold. It also will show what is my value & whether my future husband family is stingy or not. Actually, what are the things that bride's family have to buy for wedding?

However, my future in-law said my parents request is too high and they prefer to pay RM888/RM1888/RM2888 (Just a sign of good luck (hou yi tou). Reasons given is they are not buying a daughter-in-law & they want everything to be simple. They thought we want “face” and reputation is the reason behind it. They prefer give money to us (after wedding i guess) rather than wasting it to buy those wedding things. They are not rich but not poor either. My future husband is on his family side and persuading me to accept his parents proposal.

I am torn in between and we quarrel about this. Should I:
- Persuade parents to accept lesser "ping kam"?
- Persuade future husband to give RM6K ?

BTW, what are the average rate of "ping kam" given nowadays? I know some of my friends were lucky because their wife's parents didn't request for ping kam.

Best Bridal House in PJ/KL

NaiveLady — Wed, 17 Feb 2010 20:00:54 +0800

Your vote will help me make my decision on my bridal house.
Please evaluate based on price, quality & service.

If your choice is not in the list, please list out the bridal house. Thanks!

Different Pre-Valuation Price among banks

NaiveLady — Wed, 17 Feb 2010 19:40:54 +0800

I will buy a property soon so I try to compare bank loans as well.
I gave few banks the same information and request them to do a pre-valuation on the price of the property.
However, I am confused by the worth of the property.

Bank A informed it worth RM255K
Bank B: RM250K
Bank C: RM220K
Bank D: RM200K

Can anyone tell me why the big difference?