My Oakley glasses nose pad is broken and got mold inside it. So I decided to change it.
I have 2 Oakley glasses. So I decided to replace the broken nose pad in one of my Oakley glasses using the good nose pad from the other glasses because the latter one I rarely used cause its lenses can only correct my short-sighted.
Then I replaced the nose pad with new nose pad that I bought from Shopee.
It was quite easy to replace it. Just use the screwdriver (that I got from buying nose pad at Shopee) to pull out the broken nose pad. Then insert the new nose pad and tighten it with a metal tweezers.
dirty and broken oakley nose padinterchange nose pad from 2 different oakley specsreplace oakley silicone nose pad bought from shopee
The Shopee nose pad that I used to replace Oakley nose pad could be easily detached from Oakley glasses. I haven’t figure out how to make it really stick like original Oakley nose pad.
nose pad bought from shopee fit into oakleybought from shopee silicone nose pad
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 surrender my Prudential insurance policy because I already have other insurance policy with other insurance company and I felt that I have too many insurance policy.
It was easy to surrender or cancel Prudential insurance policy.
In my case, I get my agent to assist me.
Policy Number & Agent Contact from Prudential Pulse Mobile Application
You can use Prudential Pulse mobile app to get your policy number and get your agent contact person.
Click Pru Services and from there you can get those info.
Inform your agent that you plan to cancel your policy. The agent will share the surrender form. You just need to fill in the bank information (where the surrender value will be banked in) and sign the form.
You needs to provide copy of your IC.
The rest of the form will be fill up by your agent.
prudential surrender policy – sample form
Within 14 Days You will Received the Surrender Value
First I received an SMS / email telling that Prudential received the surrender request.
Then you will received SMS telling that Prudential has cancelled my direct debit as Prudential deducted on monthly basis my insurance payment from my bank account.
prudential cancellation of direct debit – sms alert
Next SMS will tell you that it is confirmed that process has completed and Prudential shared the surrender value document.
prudential surrender cancel policy – received sms alert on confirmation of success cancellation
It took around 13 days to complete my surrender request (means received the surrender value into my bank account) from 8/1 till 20/1/2023.
prudential insurance received surrender value on 20 jan 2023
Jika anda ingin memasang air untuk rumah lelong di Selangor sama ada yang telah dipotong atau tidak berikut ialah cara untuk memohon pemasangan meter baru anda.
Segala bil tertunggak oleh pemilik lama tidak akan ditanggung oleh anda.
Proses Pendaftaran
Daftar online
Air Selangor akan membuat semakan dokumen
Jika diperlukan dokumen lain, Air Selangor akan menghubungi melalui emel.
Buat bayaran online dalam masa 24 jam. Pembayaran adalah dalam RM152.10. Jika anda tidak bayar dalam tempoh 24 jam, anda kena daftar sekali lagi. Pastikan anda memeriksa emel anda.
air selangor keterangan caj penukaran pemilik
Pemasangan meter akan dibuat dalam masa 3 hari selepas pembayaran.
Salinan Hak milik (Geran)/ Perintah Mahkamah/ Tuntutan Harta Pusaka/Salinan Perisytiharan Jualan dan Surat Pengesahan Pembayaran Penuh (lelongan)/ Perjanjian Sewaan/Surat Kebenaran dari Pemilik/ Surat Kebenaran dan Aku janji
Saya bagi dokumen PDF Memorandum of Sales (MOS)
Kuarters/Rumah Sewa/Gerai atas bangunan/ tanah dimiliki oleh Kerajaan – Surat sokongan daripada Pejabat Tanah/ PBT/ Pemilik dan Surat Kebenaran dan Aku janji
Tidak muat naik apa-apa.
Salinan Sijil Pendaftaran Syarikat (Borang 9/Borang 13/Borang D/ Borang E)
Tidak muat naik apa-apa keran saya mendaftar sebagai individu.
Surat kuasa/kebenaran untuk membuka akaun bekalan air di atas surat rasmi (kepala surat Jabatan)
Tidak muat naik apa-apa.
air selangor – dokumen sokongan diperlukan bahagian 1air selangor – dokumen sokongan diperlukan bahagian 2air selangor – dokumen sokongan diperlukan bahagian 3
I wanted to bid one double storey house in Denai Alam. I was surprised the bidding would be conducted online. Previous 2 auctions that I attended were all physical auctions but of course it was 10 years back.
The process of online bidding was quite simple.
Register Your Interested Property
Register the property you are interested in at online e bidding.
Click interested for bidding
Deposit status will be pending payment
elelong kehakiman pending payment
Submit Your Bank Draft
You can submit your bank draft to any high court in Peninsular Malaysia.
You must attached the Bidding Form together with the bank draft.
You can print the Bidding Form from the online e bidding website.
When you registered your interest, there is a link to download the Bidding Form.
Print it and attached with the bank draft.
print the bidding form and attached with the bank draft
Post the Bank Draft to Pusat eLelong Kuantan
If you decided to post your bank draft to Pusat eLelong, you must use only PosLaju and ensure you have an envelop that have your home address as returned address in case you don’t win the bid.
You must pay in advance the return envelop.
envelop top to pusat elelong bottom to my return home addressbank draft inside the enveloppos laju bank draft delivery for 10% deposit elelong
Actually I wanted to send my bank draft by hand at High Court Shah Alam. Unfortunately they had fire drill.
I waited for nearly 40 minutes but they were still conducting fire drill then I decided to send my bank draft by PosLaju.
mahkamah tinggi shah alam
Deposit Status Change To Paid & You Can Start Bid Early
Deposit paid status changed when your bank draft arrive at the Pusat eLelong.
You can bid early even before the auction date by click Bid Now.
If you bid early and no one bid yet you can bid at reserved price.
elelong kehakiman after deposit paid can bid now
Try to Bid The Night Before Auction
I decided last minute to Bid Early.
Unfortunately I couldn’t login the night before the bidding day.
But on the morning on the bidding day, when I tried to Bid now at reserved price someone already bid at reserved price. It means there were other bidder for this property.
At same time, I could see the incremental bidding. In my case it was RM4,000.
error when try to login to elelong kehakiman on 4th jan 2022 around 10PM
During the Auction
During the auction, you could see how many bidders.
In my case there were 6 bidders.
It was quite fast for you to increase your bidding and there were no lagging.
If you were the lowest bidder, your bid price was red and if highest it would turn to green color.
If you wont the bid, you would receive immediately your Memorandum of Sale (MOS).
Download the MOS then you can start apply for loan.
elelong you have been outbidelelong you are now the highest bidder – countdown 30 second will appear
elelong won the bid
Conclusion
It was easy doing the online eLelong bidding. You can do it without agent help.
You must set your maximum price you want to bid, so you were not carried away.
If you have other family member or trusted friend, it is better ask them to bid for you and tell them your maximum price. This is to ensure you are not carried away.
Advices
Visit the property. I prefer vacant auction property because I don’t have expertise in asking the current owner or tenant to move out. Check the condition of the property from outside and estimate its repair cost. As you can’t view inside of the house, you should expect the worst.
Do market analysis. Get the market value via brickz.com.my or iproperty.com.my. If you have good contact with valuers get their advice as well.
Do financial analysis in term of affordability, cash flow, cash requirement for legal fee repair and renovation etc. Determine your max price.
Before going for bidding, better you check with few bankers whether you are eligible for loan.
Find banker that has experience in processing in property auction loan and try to intimidate a bit the banker by sending message at morning and night to check whether the banker is responsive and fast responding. If not keep finding a experience and responsive banker. Call also whether they pick up or return your call ASAP.
Get the banks panel legal as well and ask the banker lawyer firm than have handled auctioned property. Do the same by imitidate the lawyer by getting quotation and see how fast they submit and message them morning and night to see how fast they respond.
Prepare early all the required documents and zip the document according to documents required by each bank. If you win then send immediately the documents.
Use same lawyer for POS & Loan documents
Questions You Can Ask Your Banker
Interest rate, tenure, MRTT requirement, Zero moving cost package
Documents required to apply for loan
Bank maximum DSR or how they calculate your loan eligibility
How long it takes to get approval
What is the maximum days to get approval they have handled and get the loan disbursed on time
Any scenario that they were able to extend the 120 days.
Whether you can reduce the MRTT tenure if MRTT is compulsory
Questions You Can Ask Lawyer
Whether they have experiences in handling lelong case.
How long it takes usually for them to close till loan disbursement
Ask for quotation. There are two, POS and Loan documents quotation.
If you bid on your name, can you include your spouse name into the legal document (the answer should be No. If the laywer says yes then the lawyer doesn’t have experience better avoiding using that lawyer)
What document required so you can prepare early.
Ask for discount since you get POS & Loan documents together with the lawyer.
For signing can they come to your place to sign the documents.
Saya lagi suka menggunakan PBTPay kerana PahangGo memerlukan kita top up duit ke dalam akaun PahangGo macam ala-ala Starbucks kad.
Cuma kita hanya boleh top up pada jumlah tertentu sahaja dan bukan jumlah yang tepat. ini membuatkan kita akan ada terlebih duit yang disimpan dalam PahangGo.
Login atau Buka Akaun Baru PBTPay
semak cukai taksiran majlis perbandaran bentong – daftar masuk
Pilih Majlis Perbandaran Bentong & Masukkan No Akaun Anda
semak cukai taksiran majlis perbandaran bentong – pilih bentong
Hasil Semakan Akan Menunjukkan Jumlah Yang Perlu Dibayar
semak cukai taksiran majlis perbandaran bentong – hasil semakan
Sila Klik Add to Favorite Untuk Memudahkan Anda Membuat Semakan Di Masa Hadapan
Bila klik “Bil Pilihan” anda akan nampak Cukai Takisran yang anda telah simpan sebagai “favorite”
semak cukai taksiran majlis perbandaran bentong – bil pilihan
I had to replace my old Grundfos water pump that I have been used since 2013. I bought Grundfos CMB-3-37 to replace my non working one on 3rd January 2023.
It had served me for past 9 years before I had to replace it.
Below is the Grundfos water pump price list. I found it is cheaper vs price quoted on Lazada & Shopee.
Grundfos Water Pump Price List
Model
Horsepower
Distance Discharge
Recommended Bathroom Use
Price
CMB-3-37
0.68
45 meters
2 - 3
RM1,769
CMB-3-46
0.68
45 meters
3-4
RM1,889
CMB-5-37
0.91
36 meters
4-5
RM2,269
CMB-5-46
1.364
45 meters
5-6
RM2,849
The hardware selling Grundfos at this price is Kenyik Hardware near Subang Permai area.
Comparison Grundfos Price at Shopeee
Kenyik’s Grundfos water pump is cheaper vs other sellers in Shopee.
