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applefreak

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Everything posted by applefreak

  1. me now feeling the pinch servicing the stupid home loan just rent a flat nia also need to take loan hopefully i will never need to take another loan in my life some updates doors and frames all removed, but the wall kenna until dun know like what think the contractor got those foreign workers to do the hacking work so heart pain my walls he better do the patching up work well wooden door frames should be up today the doors will be selected when i find time to go down to the factory there the door frames cost $120 including installation
  2. just a little correction HDB flat belongs to HDB, all of us are only leasing it from HDB that's why on the deed we are only lessees co-lessees, not owners unlike private property where you are listed as owner the cheat money part, all of us know it's rubbish coz HDB will not do anything even if we really got cheated by a HDB-licenced contractor. it has more to do with the structure of the flat think there was a case where a lessee in jurong asked his contractor to reduce the size of a structural beam. in the end the walls started to crack and HDB came down to inspect. the lessee ended up with a even bigger beam... something you might want to consider, go to the contractor / ID you want then tell them you WANT someone with HDB licence they will do the necessary but you may have to pay the price of 'borrowing' the licence
  3. wah you quote me very fast leh edited the post but too late liao a good way to buy a car is have at least 50% of the car price in cash coz the car loan interest is around 5-6% effective me thinking of buying a car too but think will wait another 5 years as well will need the car when my parents have problem moving around 10yrs is a good time to achieve all these i'm sure you can do it gambatte
  4. hahaha, i basically changed the direction of the door opening from opening into the bedroom to opening out onto the passageway so got to remove the frame and replace with new one but my constraint is i have existing wardrobe, two big ones at that
  5. for me a good yard-stick is imagine when you are retired and sitting on a rocking chair, thinking back on these year. did you do things you regretted? did you not do things that you wish you'd done? guess i'm quite lucky in the sense that money has never been a problem for me i have been working since 14yrs old so i dun have times when i wish i had the money for something. or is it bcoz those things i like all cheap cheap one a good way to set targets is to see where you are and where you want to be if you KNOW that you will never achieve it, then setting this kind of target will only demoralise you and make you feel useless. for me, i just want my OWN roof over my head let my parents go for holidays, try to give the best to my babies and see the world so far, i think i'm on the right track and getting the flat really makes me feel i've arrived to me, money is only enough when you FEEL it's enough so it's important to set a target e.g. $1 million retirement fund if you have no clear target, you will never arrive loh sorry old liao that's why very naggy btw, wedding is not marriage it's better to give your wife a unforgettable marriage can ask what is your dream car and what you have done to move towards that goal? you have heard of the phrase - 'fail to plan, plan to fail' let's all gambatte for our dreams
  6. hahaha, i dun know leh my current 3-rm is using 3ft but those newer ones like using 4ft or isit bigger ones is 4ft blur liao maybe you want to measure then ask easier or you look out see which forummer renovation then ask them for it
  7. yours is premium or standard? basically HDB will only subsidise those tiles that are come-with i.e. the tiles are already there AND defective so when you get your keys, be sure to check thoroughly for defects e.g. hollow, stained or chipped hopefully your technical officer will agree to changing them for you congrats on getting your own place remember to start a t-blog for us to spam
  8. ummm, maybe can ask your friends to give you vouchers during house warming then top up a bit can get tv liao mattress buy seahorse one, cheap and good curtains... not sure coz me going to get roller blinds or you invite everyone from renotalk to go to your house warming then we contribute and print one pix for you
  9. hi there, congratulations on the handover can't wait to see pix of your home when you are done cleaning must really be nice esp if you are going to put up those pix that you have taken
  10. actually the regulation is just that all HDB flats can only be renovated by HDB LICENCED contractors if not, when you try to sell the unit, you are required to pay a penalty or remove the alterations done by the unlicenced contractor please note that HDB DO NOT interfere on behalf of lessees when it comes to disputes with contractors. so you can still be cheated if you use a LICENCED contractor some things done by licenced and unlicenced contractors, the price difference can amount to hundreds e.g. addition of electrical points, air-con brackets etc
  11. it's your current home, newly bought resale flat or brand new flat from hdb? if it's a premium new flat from hdb they will do the hacking and tiling for you if the tiles are defective other than that, think your friend is just pulling your leg
  12. guess to me achievement means i achieve what i set out to do since i never aspire to be rich, therefore wealth is not my measurement of achievement i believe that to get what we want we have to use what we have to change for what we don't have but must be very clear what exactly you want loh dun use what you have to change for what you dun have then realise what you have given up is actually what you really want hehe, you all understand my rumbling right? anyway, called the tile contractor just now he has not done a thing i.e. check price of cutting tile or tiling progress he told me sheepishly that he'll go down later to check
  13. erm, think the industrial practice is that the contractor will 'rent' the licence from those holding it though not suppose to let hdb know loh
  14. erm actually e$aver hor, can have 'ATM card' but you must have an SCB credit card just link the account to your SCB credit card and you can withdraw money from the ATM another good a/c is also credit-related it's the Amex Line of Credit currently offering 2% on credit balance (or is it debit?)
  15. haha, the qi will be redirected to the kitchen if i put the divider there...
  16. what kind of gate? aluminium/wrought iron/stainless steel? what size? 3ft or 4ft? what requirements? fire rated or not?
  17. sure no achievement or not? have a stable job, healthy body, being to other countries, getting a flat, supporting our parents all these are achievements what. as long as you achieve what you set out to achieve can liao money is NOT a measurement of achievement
  18. age is not very important lah as long as your achievement is relative to your age can liao
  19. hi summervale, regarding the big patches on your body think it's an allergic reaction to something could be anything can't rule out dust mites, but can't be sure it's it also think you better go see doc, this kind of thing super itchy one if you want, just google 'hives' and read up on it !! btw, the number you put beside the fellow's name dun look like nric no. leh, it's the company registeration number or what?
  20. the cleaning up is actually called chemical wash the chemical can be acid-based (cheaper but harsh on tiles and s/s) or a cleaning agent which is acid free (more expensive but won't have side effects like acid wash) acid wash for my unit is about $100 to $200 chemical wash (acid free) will cost $450 that's why most ID/contractor only offer acid wash i'm thinking will just get my contractor to do a general cleanup and engage the company that does chemical wash to do a thorough clean up actually that's where the mosaic idea came from i was thinking if it looks nice this way maybe using mosaic as skirting might turn out well too think will check out the mosaic variety in the market first before making a decision copy the link of your t-blog and paste it in 'signature' can be found in 'my controls' (the signature part) !!
  21. actually our kitchen tiles are beige in colour think most colours will go bah... depends on what kind of kitchen you want functional, bright and cheery or modernistic look for me, i'm going for dark countertop with dark wood laminate cabinets !!
  22. oh dear, then two weeks to two months got to avoid the kitchen ah how can like that??? your kitchen tiles using ceramic or porcelain? think must tell my contractor that i want non-acid based chemical wash was told that we can ask for chemical wash that won't discolour s/s but at a slightly higher price that's why most just provide acid wash...
  23. same. coz the criteria for $200 is actually AV <$10k and/or earning $24k/yr so EA AV <$10k mah... but my parents will get less coz they now getting $250 our 3-rm AV<$5k
  24. hi, actually there's no issue of changing the windows AFTER the reno it's just that it'll be more dusty and the paint around the frame will look slightly newer as for the grilles, think none of us here can give you a definite price coz it depends on how big the panels are, casement with or without top-hung normal aluminium or double-hollow and most importantly the ID's profit margin even for my own place, i get quotes from $900 to $1,500 for windows so it really depends loh
  25. so envious had wanted the coris but kenna chicken pox by the time recover all sold out liao happy renovation remember to post more more pix
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