junky

Hi Nitro, The wife and I have engaged Om on several occasions. Mei has always been our contact person. They have done our living room and 2 of our bedrooms. The study they did a roman blind. Overall, we are quite happy with them and are planning to go back to them as we have already established a good relationship with Mei. She is quite ok. Straight forward and provide advices. Selection wise quite reasonable as well.

hi everyone, I have recently engaged Evorich to do the flooring of my indoor balcony, using the Parador Laminate. The job was done on a Saturday. Started at 920am until 3 or 4pm. I have to say their worker was quite thorough in his job. And the salesperson that was assisting us was helpful and knowledgeable. For pictures of the small project, please have a visit on my blog: http://partsandpc.blogspot.sg/2012/11/evorich-parador-laminate-balcony.html PS: i am not related in anyway to Evorich.

Hi bepgof, Your response has been quite helpful. Thank you and everyone here on their responses. According to your steps above, I can go to HDB to fill up form to include my wife as a 'co-owner' under 'joint tenancy'. And then go to bank to do the refinance as a joint-tenant when my lock-in expires. My lock-in is expiring in June 2011. I did an enquiry with the HDB Branch office and this is part of their reply: '2 To include your wife as Joint Tenant, the both of you must come down to the Bedok Branch Office to apply for transfer of flat ownership. As your flat is purchased through a bank loan, you need to seek approval from your bank and have the valid letter of option ready from the bank when you apply for the transfer at our office.' So HDB is saying I should seek approval from the bank first. I did an enquiry with the bank and they inform me that my wife would need to purchase a certain percentage from me in order for them to issue the 'approval' to add my wife as a joint owner. DBS says minimum is 1% to purchase the share from me and I found out only just now that this is deemed 'tenancy-in-common'. Can you imagine the frustration as Ive re-iterate to them clearly before and in the initial meeting I had with the officer that I am seeking a joint tenancy. Oh God, please give me the strength

Hi, Thanks for your reply. But the information that you provided above is applicable for those who had taken a HDB loan. That is why it mentions 'without monetary consideration'. However, in my case, I took a loan with the bank. So there is a monetary consideration involved. But my problem is I am confused how much percentage my wife needs to take as there were conflicting advise. Please advise.

Yes, that is one of the silliest rules that I have ever heard and I am going through it right now. If it concerns the bank and you are using their bank loan, woe betide you. What I do not understand is, the other party is my spouse for goodness sake!! Why does the spouse has to purchase a certain percentage from the other spouse? I believe the bank should follow HDB because if you have a HDB loan, the allocation is so much simpler by way of 'gift' to the spouse. No transaction require. Anyway, thanks for the response so far. Anyone has ever gone through this? I would like to hear from them.

Hi everyone, I bought a HDB resale flat 3 years ago as a single with a DBS bank loan. Now that I am married, I intend to add-in my wife's name as a joint-tenant. Now that my lock-in period is over, this is a good time do so as I intend to reprice/refinance my home loan as well. However, the process of getting the right information for this process is extremely confusing as I am getting conflicting advise from different quarters. 1) DBS says my spouse only need to purchase 1% share in the property from me. 2) Housingloanssg.com says the minimum amount my wife needs to purchase is 20% share of the property. 3) HDB( from their town council), if I understand the officer correctly, says it does not matter as long as the bank issues a letter of option indicating the percentage. This needs further clarification. 4) I made an enquiry from a local legal firm and they mentioned that my wife needs to buy 50% share of the property!! So you can imagine the state of confusion I am in. I am seeking advise from anyone who has gone through this or has some experience in this matter. I look forward to hearing from you.

Thanks. Will try that.

Anyone??

Dear all, I intend to DIY and change the current aircon foam insulation that I have. There is too much condensation appearing overnight. Can anyone tell me, where can i buy armaflex a/c insulation foam? And also, 1) how much is the cost? 2) how is it quoted? is it per metre or per carton? 3) anything else I should consider if I intend to just change the insulation, like the adhesive or foam tape? Appreciate any advice. Thank you.

Dear all, I bought a floor lamp with 3-touch dimmer switch in the middle of the year. Unfortunately, the dimmer switch is not working anymore. And i do not think i can change the lamp. I would like to ask forummers here: 1) Where can i buy a dimmer switch so that I can rewire it myself? OR 2) Where can i buy a normal pedal/floor switch so that I can rewire the lamp myself? I do not intend to buy a new lamp, just the switches and wire cable. Looking forward to hearing from you.

Yes, you are right. I should have done so. However, the first thing that came to my mind when I could not locate the the shop was they must have moved. I should have checked with the Security Personnel. Nevertheless, I have another question that I hope I can get assistance. Will the AV Receiver be just as effective with a all-in-a-box 5.1 HTS as compared to buying the speakers and DVD/Blu-Ray player separately? Any advise is truly appreciated.

What is the difference between System 3 and System 1?

Hi OWM, thanks for your reply. I did a visit to Adelphi over the weekend and I could not find a KEC Sound System shop. There was nothing on the directory nor anything remotely the same name. There is a Kingsley Sound though. Am I missing anything? Please advise.

Thank you for the reply and the advise so far. What if I want to add a Small Factor PC into this equation. Can it be hooked up to the AV Receiver? Am I right to say that the AV Receiver will be the heart of the whole set-up? Again, any advise or tips is greatly appreciated. Thanks again.

Any ideas where to get such bamboo blinds with the PVC lining?