Living in JB 2 (Johore)

[captainjones]

Thanks Wuqi, I didnt know that diverting water from the mains would affect the rest of the neighbourhood. If this is so, then this method is bad. My friend also didnt know that. This method was recommended by the contractors. I thought we stumbled on a good and easy way to increase the water pressure, haha - my bad. I guessed I still have much to learn about plumbing.

Ya. Most of us r layman and would hv taken the contractor's word for it. It's probably the management's role to explain this clearly to the house owners.

[ODYSSEY]

The water tank is made of fiberglass I believe.

Yes, bypassing the tank will give increased pressure but as what wuqi has mentioned, it will affect your neighbours and if everybody does this then....

Also, do note if you bypass the tank, you no longer have a backup water source. Should the mains be cut off or the main water pipe (PVC) entering your meter reader spring a leak (I encountered this 2 months back), you could be out of water for awhile till SAJ comes to dig up the pipe and replace it. Even with my tank, I endured 24hrs on a Sun without water.

Hi 2bFree, the tank is not fiberglass, its like those they use for making those big blue containers for liquid - I dont know what the material is called. The material is quite flexible and I was wondering to myself, how long this tank can last. I was also at two-minds, as having a reserve water tank is good as I learned from the contractors that water stoppages can sometimes last a few days in Malaysia. I can understand this as this place is huge and there is still a lot of development going on, and it is not due to the inefficiency of the authorities or service provider. Thanks for sharing, this is something I will have to take into consideration too.

[ODYSSEY]

Ya. Most of us r layman and would hv taken the contractor's word for it. It's probably the management's role to explain this clearly to the house owners.

I guessed its easy and faster for them to divert than to source and fit a proper water pump; whats with the electrical and all. Thank goodness for Wuqi in pointing this out to me early; now I feel so stupid : ( haha.

[2bFree]

If not fiberglass, then it is PE (Polyethylene). Traditionally fiberglass was used but perhaps modern plastics are now more durable, lighter and UV resistant compared to the past

Hi 2bFree, the tank is not fiberglass, its like those they use for making those big blue containers for liquid - I dont know what the material is called. The material is quite flexible and I was wondering to myself, how long this tank can last.

[DREAMorACTION]

Bro, don't keep saying that ... I'm blushed haha (as if)

So how did u do with the traffic last night?

Clever.. iPad and android.. I could serve some Internet via the vague Singtel 3G signal here out of my balcony..

[DREAMorACTION]

Cheers. Please share your findings later happy visiting

Thanks bro DoA for the analysis, will visit both showhouse and take a look 1st.

[DREAMorACTION]

Could there be a standard clause in the DMC governing this? I never thoroughly examine my DMC yet ...

Ya. Most of us r layman and would hv taken the contractor's word for it. It's probably the management's role to explain this clearly to the house owners.

[arsenal]

Bro, don't keep saying that ... I'm blushed haha (as if)

So how did u do with the traffic last night?

I came by tuas at around 9:30pm.. Very few cars... My wife said she could only see 2 cars, one is mine and the other 1km away.. Haha..

[summervale]

Hi homeinjb,

Greeting, I suggest you contact those banks represetative that were presented at the developer office. Forget about Citibank, it is a waste of time, trust me.

i did contact CitiBank as well, but since they offered me only upto the max of 65% loan, i had no option but to drop it. btw development is HH

[DREAMorACTION]

That's a saving grace. Phewwww ... So the prediction was acceptable Now I will keep my crystal ball. I was so scared that u would smash my crystal ball ...

I came by tuas at around 9:30pm.. Very few cars... My wife said she could only see 2 cars, one is mine and the other 1km away.. Haha..

[arsenal]

Hi general Wuqi,

Like what Ginfreely said, if you think it is good, just do it and don't worry what other perceive.. Tien got eyes, durians also got eyes.. We also got eyes.. You will be blessed either now, tomorrow or future..

Some naive people who complain will understand that one day when they are hurt... Don't be discouraged.. Able to give is the biggest blessings one have..

Thanks bro DOA, i agree. I am too blunt at times and really just want to help.

Some actually complained to me when things went wrong with the very things they
chose to do or worse, go to my family to complain.

No matter what one do, it will never be perfect so i understand that. I probably should
have made a sticky out of it earlier for taxation but then i wasn't the moderator back
then and multiple threads without a folder would have been worse.

Its pretty discouraging sometimes but someone has to do it.

Again, thanks to everyone who has been helping out.

[DREAMorACTION]

Agree with the former statement, bro. But for Citibank, it will be a waste of time only if one walks into their office to request for a loan knowing that they do not give full support to a particular project. Saying this because At least for taman laguna, they are giving full support and they could offer 79%, which is much better than the 65% being reported.

I know they are quite agressive with another project this year, that is at nusa duta. Someone please share their experience if u have just dealt with them cheers

Also, they have promo on home loans now, and giving free holidays (threshold of min loan amount applies). These are all signs that they have bigger appetite this year

Hi homeinjb,

Greeting, I suggest you contact those banks represetative that were presented at the developer office. Forget about Citibank, it is a waste of time, trust me.

[DREAMorACTION]

Bro, please don't feel that way

At least I'm grateful that u have highlighted this and enabled me to learn I have a very curious mind and never reject new knowledge/info. Thanks for sharing

To add, there is no stupid question, only question is how much a person is willing to ask and grow

I guessed its easy and faster for them to divert than to source and fit a proper water pump; whats with the electrical and all. Thank goodness for Wuqi in pointing this out to me early; now I feel so stupid : ( haha.

[summervale]

The Citibank staffs are indeed agressive (I have personal deal with them before and they are very keen to earn the commissions from Singaporean), but the decision whether to offer loan better than 65% still depend on their head office in KL. I believe HH is not in their list of appetite, hence it is a waste of time to proceed further. Just me two cents

Agree with the former statement, bro. But for Citibank, it will be a waste of time only if one walks into their office to request for a loan knowing that they do not give full support to a particular project. Saying this because At least for taman laguna, they are giving full support and they could offer 79%, which is much better than the 65% being reported.

I know they are quite agressive with another project this year, that is at nusa duta. Someone please share their experience if u have just dealt with them cheers

Also, they have promo on home loans now, and giving free holidays (threshold of min loan amount applies). These are all signs that they have bigger appetite this year

[DREAMorACTION]

Absolutely agree, bro.

That's why I emphasized that for foreign banks, one really have to try their luck really hard in order for the banks to come even close to offer what the local banks could offer, unless these foreign banks market themselves at the particular sales office. When they do appear, normally they wouldn't disappoint too much in terms of their packages. I have been to HH a few times but don't really see Citibank (their name cards). It's all to do whether their valuation could match the launch price ...

The Citibank staffs are indeed agressive (I have personal deal with them before and they are very keen to earn the commissions from Singaporean), but the decision whether to offer loan better than 65% still depend on their head office in KL. I believe HH is not in their list of appetite, hence it is a waste of time to proceed further. Just me two cents

[wuqi256]

I guessed its easy and faster for them to divert than to source and fit a proper water pump; whats with the electrical and all. Thank goodness for Wuqi in pointing this out to me early; now I feel so stupid : ( haha.

Don't be, this has nothing to do with you, i almost did that when i first came out here and was talking to some new neighbours at a gathering.
One frowned immediately and gave me the death stare while the others also started to walk away. I then asked what was wrong and humbly
asked, thats when we started really talking and learning.

Bro 2bfree has pointed out the reserve tank issue which is pretty true as you bypass the tank, some will add additional pumping to service the tank as well but it will start to get messy.

More information on tanks:

http://www.rainwatertanksdirect.com....ater-tanks.php

What sort of plastics are used to make a poly water tank?
Water tanks used for storage are made from a wide variety of poly chemicals. Poly is the abbreviation for Polyethylene (PE), a light, chemically- resistant thermopoly, is the most commonly used poly resin. Polyethylene resins include linear high density (HDLPE), cross-linked high density (XLPE) and linear low density (LLDPE) resins. Polypropylene (PP) is a light, durable thermopoly that is denser, stiffer and stronger than polyethylene and has a high melting point. Polyvinyl chloride (PVC) is a durable, transparent thermopoly that is resistant to non-essential oils but cannot be exposed to some solvents. Polyvinylidene fluoride (PVDF) is a durable thermopoly that has high resistance to chemicals and abrasion.


What is the advantage of a poly tank compared to say steel tanks?
Poly tanks have several advantages over the traditional steel tanks. Their seamless construction provides them with greater impact strength and superior resistance to rust, corrosion and fuel additives. These virtually indestructible tanks have a longer lifespan than steel tanks, which can rust through and leak. Poly water tanks are fast and easily produced. Poly water tanks also cost less overall than steel tanks.

[wuqi256]

Clever.. iPad and android.. I could serve some Internet via the vague Singtel 3G signal here out of my balcony..

Well done, you could definitely do that and get your android to share internet connection. Also, the old Samsung Galaxy tab seems to get better signals
where no other phone can. Have not tried the new one nor the note.

[sgtsk]

Well done, you could definitely do that and get your android to share internet connection. Also, the old Samsung Galaxy tab seems to get better signals
where no other phone can. Have not tried the new one nor the note.

It always makes me curious. While it is not surprising the signals from rbs in Singapore could reach JB, it must also be that the signals from handset could reach rbs in Singapore. It just remind me how much power the little handset packs. Heard in Australian desert, the rbs coverage radius(probably for gsm only) could be as big as more than 100km.

[crystal_tiong]

Okay. Here is the prediction.

6am cross the bridge will be crystal clear (first link). Go yum cha, Jiak bao and dim sum at bukit indah (opposite S11) from 6.30 to 8.30 am. Visit your house, take pics, walk by the lake till 10. Go bukit indah shop from 10 to 2pm, but the causeway sure jam like Siao ... But the good news is that it will be even worse in the evening. I predict that this will be the sister of all jam (the mother of all jam was during CNY).

Okay, that's all my crystal ball showed ... I exampt all obligations/liabilities to the accuracy of this prediction... But I hope I do make some sense here ..

Erm , u need to upgrade yr crystal ball, not so accurate Liao. I went in 8am , no jam in sg , slow traffic in jb. 2pm came out. No jam at both customs! Tried fortune dim sum , a lot of ppl. The food so so. manged to find s11 coffee shop Liao.
Washed my car but upon reached sg , heavy rain ! Time for nap now. ...

[ginfreely]

Hi ginfreely,

http://www.chartered-accountants.com...assessment.pdf

So just to confirm its up to 100k but with the deposit insurance covering up to 60k only, best to
keep up to 60k in each bank unless you intend to go for MM2H.

9. Interests
An individual resident in Malaysia is exempt from tax in respect of the interest received from the
following savings or investments:-

i. Interest that accrues in respect of any savings deposited with Bank Simpanan Nasional (BSN).

ii. Interest or bonus which accrues in respect of money deposited with Bank Simpanan Nasional
under the "Save as You Earn" scheme.

iii. Interest which accrues on savings deposits of up to RM100,000 with a registered cooperative
society, Bank Pertanian Malaysia, Malaysia Building Society Berhad, Borneo Housing Mortgage
Finance Bhd. Or with any other institution approved by the Minister of Finance.

iv. Bonus which accrues in respect of money deposits in any savings account with Lembaga
Tabung Haji.

4
v. Interest which accrues on savings deposits of up to RM100,000 with a bank or finance
company licensed under the Banking and Financial Institutions Act 1989 (BAFIA 1989).

vi. Interest which accrues in respect of any fixed deposits account (including negotiable
certificates of deposits) of up to RM100,000 for a period not exceeding twelve months withBank
Pertanian Malaysia, Bank Kerjasama Rakyat Malaysia Bhg., Bank Simpanan Nasional, Borneo
Housing Mortgage Finance Bhd., Malaysia Building Society Bhd., or a Bank of finance company
licensed under BAFIA 1989.

vii. Interest which accrues in respect of any fixed deposit account (including negotiable
certificates of deposits) for a period exceeding twelve months with Bank Pertanian Malaysia,
Bank Kerjasama Rakyat Malaysia Bhd., Bank Simpanan Nasional, Borneo Housing Mortgage
Finance Bhd., Malaysia Building Society Bhd., or a bank or finance company licensed under
BAFIA 1989.

viii. Gains or profits which accrues on deposits of up to RM100,000 in respect of money deposited
in any savings account under the interest-Free Banking Scheme (IFBS) with a bank or finance
company licensed under BAFIA 1989 or the Islamic Banking Act 1983, Bank Kerjasama Rakyat
and Bank Simpanan Nasional.

ix. Gains or profits which accrues in respects of money deposited in any investment account of up
to RM100,000 for a period not exceeding twelve months with a bank or finance company licensed
under BAFIA 1989 or the Islamic Banking Act 1983, Bank Kerjasama Rakyat and Bank Simpanan
Nasional.

x. Gains or profits which accrues in respect of money deposited in any investment account for a
period of twelve month of more under the interest Free Banking Scheme with a bank or finance
company licensed under BAFIA 1989 or the Islamic Banking Act 1983.

...............

Thanks. Good for retirees living in MY that fixed deposit interest are exempted from tax.