applefreak

guess i didn't take the jetstar one coz i'll be getting from ntuc no need to get double mah think if do group purchase got discount leh shall we buy together?

if use the heater switch no need to run separate switch liao right? my heater switch in the bathrooms not used

wow i never knew there's such a thing remember to take pix and show me the sua-ku hor

i like your sofa and coffee table very nice and 'english' looking :wub:

yes yes we should start planning now btw, anyone want to buy travel insurance? me confirm my intensive week is not during the trip :dancingqueen: most prob gonna miss the first two classes but that should still be fine

best no cheap, cheap no best sink, hob and hood got to buy first so that the cabinets can be made to fit these things in better to buy something you like and tailor the cabinets around them rather than having to buy items that are of certain dimensions only, even if you detest them

he from SK, can see from his t-blog sub title

yes the interest is calculated on the remaining principal you can either opt to have your monthly installment reduced or to have a shorter repayment term with the same monthly installment

that sounds like a nice place to visit though i've heard a lot of scary stories about the natives there how was your trip? share some info leh, maybe next time i will go there also go there and eat xiao long bao :dribble:

do note that the 3.5% is applicable to the first $60k in your cpf a/c, with up to $20k from ordinary to be able to redeem housing loan should mean they already have the $60k in special + medisave a/c so ordinary should only be earning 2.5% to some 0.1% is not a lot, but if investment is yielding less than 2.6% then it's better that the housing loan is paid off imho

hi can share your contact for the installation? looking to install it for my home

think the soaking only applies to ceramic tiles my previous home was using ceramic tiles the tiles went pop pop pop after 20 over years

i like your layout! especially the unique corner balcony :wub: got pix of your unit? i love to :dribble: over pix

how about making the drawers smaller, those between the stove and the sink? then you can fit a slim drawer there to put the condiments the curtains are a BRILLIANT idea!!! i wish i had thought about it before :dribble: bet your cats will be really happy playing hide-and-seek behind

the accrued interest is for your cpf account it has got nothing to do with your hdb loan it's for the amount withdrawn from your cpf account as long as you've withdrawn from your cpf account to pay for your housing loan, you will have to pay the principal amt + accrued interest back into your cpf account when you sell the property as for your CPFIS, try to see if you are making a return of more than 2.6% annually if the returns is more than 2.6%, then you are better off leaving the money in your investment

reminds me of the show 'demolition man' :lol:

hi frostyflake, your kitchen looks pretty good do you foresee a storage problem? love the textured wall at your dining area and MBR is that wallpaper or some other thing? and your MBR bathroom is :wub:

guess there's a lot of august babies mrs and baby deathcoth, and of course ME wah got to go mt E leh, it must be serious where did you go???

well if you are going to use your CPF funds for any investment that yields better returns, then you should not pay off your hdb loan however, if you are risk averse you should just go ahead and pay off your hdb loan for accrued interest, it's based on what you have withdrawn from your cpf account it is basically about the interest that your cpf could have earned if left in the account

spam chop don't know why but your tv console reminds me of ferrari vroom vroom...

i believe they give refund if you've got the receipt but i think the refund is in ikea voucher, not cash

spam chop got layout to :dribble: ?

spam chop good to see some DIY here the savings is really great if you can reuse most of the built-ins that's something good about getting resale plus you get to see the actual layout before committing

wow your place is going to turn out very very different from what it was

yes yes everybody please keep your fingers and toes crossed for me till now still no news when the course will start :bangwall: jaren, so sorry to hear about your leg need anything? we can help you deathcoth, me going 01 - 05 aug all staying at first house coz cheap and good (heard from another forum) where you going to stay? let us know so that i can :dribble: wah this is mighty interesting it might entice my cats to drink more water