Lately we like to eat at Coffee Bean & Tea Leaf because we really like it bagel. Really crunchy and tasty.
Taste Like Freshly Cooked
Then we tried other food like its margarita and hawaian pizzas.
I also tried its aglio olio with shredded chicken. I ate it 3 times in a month because really love it.
The food taste like freshly cooked instead of reheat. I know Coffee Bean & Tea Leaf or even Starbucks just reheat their frozen food but Starbucks’ food doesn’t taste fresh vs Coffee Bean.
coffee bean and tea leaf bagel chia seedcoffee bean bagel and tea
Price
In term of price, it is a bit on high side but it is much better vs Starbucks foods, bagel cost RM10 and aglio olio is RM20++
This another of my sliding door frame is loose. So I called the same repairman that did at my other door frame.
Surprisingly the repair cost increase double this time. Last time they charged only RM80 now it is RM150.
The Repairman Uses New Screw To Tighten the Frame
sliding door – loose frame repairsliding door – repair loose framesliding door – repair loose framesliding door – tigthen the frame
Sliding Door Bit Hard To Move
The sliding door is bit hard to move and to replace to new rollers will cost another RM220. I found it too expensive together with the RM150 frame repair.
So I decided to use it much longer and plan to replace the roller by myself.
Haha.
At same time because the repairman was snob when I asked to show me the heavy duty rollers he plans to use, he doesn’t want to show me whereas I had used his service in November, 2021. Due to his snob, I also decided not to repair, it motivates me to replace by myself.
Repair Cost
RM150 to tighten the frame and it took the repairman 15mn to repair it.
I planned to buy an auction property. So before buying, I tried to get the fastest bank in getting approval because the loan needs to be disbursed very fast to avoid my deposit from getting burnt.
Housing Loan Inquiry via Bank’s Website
I contacted few banks via their website to see which respond the fastest.
CIMB – no response at all, even thought CIMB said they will contact me as soon as possible. Alliance – same as CIMB no response at all. Ambank – Worst couldn’t find contact us / inquiry page. Standard Chartered – I got voice call the next day after submitting the online inquiry. Public Bank – I got response after 9 hours of online submission
housing loan enquiry – public bank email centre took nearly 9 hours to respond
Maybank – The fastest, I got response in 1 hour after submission
housing loan enquiry – fast response from maybank email centre – they responded within 1 hour
Visit Direct to Branch
Bank Islam – I was passing through Bank Islam Bukit Jelutong, so I decided to drop by to their housing loan department. I get pre-approval on the spot whether I could get loan if I win the bid & good thing the bank office has experience in handling loan for auction properties.
Check Bank Officers Responsiveness
You must check whether the bank officer respond you even during weekend and check how long the officer responds before taking loan with the bank. Besides you must check whether the office can influence their HQ to get fast approval.
Some bank officers will tell you that just pray to get fast approval some will inform you that they could push for it.
So based on my experience:
Bank Islam – the office was really responsive even during weekend and she said she had experience in pushing to get approval
housing loan – bank islam officer responsiveness even during weekend
Public Bank – Not responsive, have to follow up few times. In the image show that I have to follow up to get response.
housing loan – public bank officer slow respond
Standard Chartered – Responsive as well but he couldn’t influence HQ.
Maybank – need to follow up but faster response compared to Public Bank and weekend stops responding
Check Bank Panel Laywer Responsiveness
At same time, before bidding, get their panel lawyer to check their fast responsive and experience in handling auction property. You ask questions regarding the process and see their response.
Bank Islam – very fast and well versed and confident can complete the transaction before 120 days
housing loan – bank islam panel lawyer fast respond and willing to share the process in easily understand words
Standard Chartered – their lawyer also very fast and well versed.
Other banks I didn’t check because even if my loan approved by their bank, I might not take it because their officers were slow.
Check Bank Valuer Responsiveness
So far my experience Bank Islam & Standard Chartered valuers response were fast.
Bank Islam, I got appointment on the next day after I message the valuer.
housing loan – bank islam vlauer panel – fast response and get the appointment on next day
Fastest Housing Loan Approval After I Won the Auction Property
After submission, I got housing loan approval as below.
Bank Islam – 5th January (documents submission) – 9th January (housing loan approved)
Maybank – 5th January (documents submission) – 12th January (housing loan approved)
Public Bank -5th January (documents submission) – 12th January (housing loan approved)
Standard Chartered – 5th January (documents submission) – 18th January (housing loan approved)
Conclusion
In my case, Bank Islam was fastest even though I got better rate from Public Bank but I decided to take Bank Islam loan due to their fast response and even their lawyer and valuer were very fast.
My advice to check the bank officer because it doesn’t mean all Bank Islam officer will be fast as Bukit Jelutong branch. So better follow the steps I mentioned above to make your decision.
During Chinese New Year holiday from 23rd to 24th January 2023, we did simple renovation at our dining area by replacing the old sink with built-in sink.
Before we could install the built-in sink, we have to remove the window frame and cover it with bricks to make it looks nicer.
We planned to do this since 2013, but it took us 10 years to really do it.
original windowputting bricks to cover the windowplaster the covered window
Due to Chinese New Year all hardware shops were closed and unfortunately I didn’t buy enough sand to do the plastering.
Fortunately enough, my neighbour was doing some renovation works and had extra sand. So we took some sand and replace them when the hardware shops opened.
use neigbour sand due to cny all shops closed and replace it
Other Repair Works
Besides have to replace two missing stopcocks handles. The first one have to replace the whole stopcock because the screw inside the stopcock got stuck so unable to add new handle.
The second one, I was able to find new handle and can install the new handle to the existing stopcock.
replace toilet stopcockjust replace the stopcock handle
I wanted to buy a Panasonic water heater push button. I compared prices at Shopee and OnKing. At Shopee, the cheapest I can get is RM312 and at OnKing for same model is RM380.
panasonic water heater at shopee at RM312panasonic water heater DH-3MS1 onking at RM380
Got Panasonic Water Heater DH-3MS1 at RM308
I contacted Shopee seller and decided to go direct to their warehouse because it was near to my house.
At the seller Shopee page the water heater is priced at RM312 but when I bought at their warehouse, they only charged me RM308.
E&A warehouse at Sg Bulohpanasonic water heater DH-3MS1 at rm308
E&A Electric Sdn Bhd Contact Details
Address: A6 Lot 2623, Kg Baru Sungai Buloh, 47000 Sungai Buloh, Selangor
Telephone: 012 592 7123 Google Map
