Chop Chop!

The banker, S, came at 10am. It's a Saturday! My beauty sleep z_z

We signed the Letter of Offer, fire insurance form and I passed S a cheque of $1k to open a loan service account.

S told us that we could use our private property as a collateral if we ever needed a loan, even if the property has not been fully-paid up yet. Cool!

Congratulation S, for closing the deal swiftly. 速战速决! From the chat after finishing business, S revealed that business has slowed since the cooling measures. We have now contributed to his quota. 皆大欢喜!

JJ's Farewell

Is it weird to have Indian food for a PRC farewell lunch? We are going to Casuarina Curry Restaurant for JJ's farewell.

Loan Approved!

It's expected, but still, !!!

It's 1.30pm on a lazy Friday afternoon. Our banker is chasing for the letter of offer now.

I thought it's going to take 3 working days, but guess what, it's ready in a couple of hours! Impressive efficiency!

And he's coming to our house tomorrow 10am to let us sign the letter! :O

Hungry Banker

Blunder! Forgot to pass Brother the declaration forms for the bank loan application. Can't submit the application today then :(

We wanted to submit tomorrow instead, but the Maybank banker offered to come and get our signatures and form, in spite of Brother and I being in 2 different places!! So enthu, so touched! And hungry for sales hahahaa!! I think we didn't tell him that we never applied for any other bank. On the other hand, so over-confident of us :P

Give him a medal lah!

On Your Mark, Get Set, GO GET A LOAN!

Since we have received the S&P agreement from the developer, X sent our lawyer our IC and OTP scans.

The S&P agreement will expire 3 weeks after receipt. We MUST get a bank loan with 2 weeks so that the lawyer can have time to prepare the mortgage documents for our signing together with the S&P agreement.

So this is how people have their offer lapse when they cannot get a bank loan in time! 2 weeks suddenly feels short now.

Race to Clinch the Sales

Buying a house is so complicated for peasants. Now to find a financing institution that wouldn't bleed us dry before we sold the house or paid up the loan. The things is, I know next to nothing about housing loans and the options we have in Singapore.

25 or 30 years?
SIBOR or SOR?
1 month or 3 months? Damn no fixed interest available.
What's refinancing? Always see this word but never understood it.
Which bank?

好乱啊!

Rehab Cancellation Charges

Uh oh worrying subject line!

Glad to know no change in charges! *clap clap*
Kind of amusing to see this paragraph about charges for second accompanying caregiver. Looks like there have been people abusing the service. Using it as transport to go out maybe.

Haha! I have the feeling they came up with this after the Irritating Guy flew plane on numerous occasions! But too bad he's no longer with us.

Good that they have this cancellation charges clause, but I wish they could make cancellation easier for us. How many people can decide that they will feel unwell the next day, by 5pm today? Actually the centre is still kind enough to accept same-day cancellations within reasonable notice, but I have encountered occasions when there wasn't anybody to pick up the phone from 8am to 8.15am. They should have a cancellation email address or voicemail so that we can inform them even over the weekend. Funny that they don't have anything like this in place yet! And I never remember to write it in the feedback.

Gaming Is Good

I have been dumping my virtual godly gear in anticipation of the upcoming Diablo III Reaper of Souls. With minimal monitoring of the AH during office hours... heehee!

I achieved a Bnet balance of USD37.03 and USD54.21 in Paypal from RMAH. Amazing how people are willing to shell out real money for virtual goods! This paid for my expansion that costs USD59.99 and also toothbrush replacement heads for USD12.99 from eBay. Still have USD18.26 leftover woohoo!

My heroes are naked now and can't fight.

Done Deal

Driver very kindly dropped us off at Bishan. No more irritating guy, I own the ride!

Shaking the Piggy Upside Down

X advised us to bring along our ICs and cheque book for our visit to the show room. Feels MLM-ish. As in having to decide on the spot and PAY. So hasty.

Ai Mai?

X got the ball rolling by asking if we have shortlisted the units that we were interested in! O gosh people buy houses like that one ah? So fast one ah? Well I shouldn't be surprised. J's husband asked her to do the same when they were going to buy their EC. Kiasuism is essential!

House-Hunting

Brother and I have been talking about buying a home since the end of last year, either for living or for rent. Got to wait 3 more years to apply for a HDB and another 3 years for it to be built. Private will be instant, but those resale condos are exorbitant in this sizzling property climate! In Woodlands with no MRT in sight, also dare to ask for above $1M! New developments have really bad location. Zzz.

Seems impossible to get anything without $1M. Where to find that money?

Goodbye OT

Today is the last day that my favorite therapist is seeing me. Nobody to crap and gossip with me anymore :(

Goodbye S.

New OT looks boring.

Pedal Wheelchair

While waiting for therapy to start, a curious-looking, brightly-colored wheelchair caught my attention.


It's a pedal wheelchair, suitable for people who are unable to use the regular hand-propelled wheelchair. One hand controls the steering by rotating a brake-like gadget with the elbow as a pivot. D the TA let me try it after my therapy session. I'm game for it.

Difficulty in transferring over to the chair because of the pedals in the middle of the chair. Unfortunately, I still have problem operating it because I couldn't quite pedal continuously. And I found it difficult to control the steering too. No good for me :( Otherwise, it's a cool product.

Down With the King

20/2
After being MIA for a few weeks, Irritating Guy was early (or rather, on time?), for once!! Caught me off-guard. So today, I was the one who's late.

After today's session, the driver Mr L very kindly drove me to the MRT station.

Disability Transport Concession

I received a letter informing me of my eligibility for disability transport concession! Cool!

So nice that the government is not doing means testing for this goodie.

What's even cooler is the $80 interim assistance! How long will I take to spend it? :D Can use it to buy rubbish also!

Belated Farewell

Belated farewell for C! So nice of her to still entertain us despite having left the project for one month :O It's unfortunate that the project blew up on the morning of the original scheduled farewell lunch. So paiseh. We were so tied up that nobody remembered to inform me that lunch was cancelled. Luckily I thought it's illogical for us to continue lor. Thanks J for being my informant.

Taobao - DIY!

Shipping promotion by 4px! I finally succumbed to temptation and made my first foray into Taobao, all by myself, no agent! This is made possible because Alipay finally accepts Singapore credit cards!

River Hongbao 2014

I have not visited River Hongbao for about 10 years. This year, I don't know what came over me, but I thought of going down to take a look again. Wanted to try the China street food also :D~~ Must be because I have not gone on a real outing since end September. Dinner dates and meeting colleagues don't count. It's the second day of Chinese New Year and going out seems like a bad idea, but I don't have other choices. Bo bian lor.

To Health & Beauty! (Cheaply)

Not quite done with the spate of online shopping! This time, Mother wanted to buy some health supplements. All thanks to a shop at our nearby market which managed to convince her that she needs help. No sarcasm here, heartfelt thanks! Of course, they sold her overpriced products, so here we are, looking to iHerb for more affordable alternatives.