Hmmm, those are valid points. Oh god, this is getting so hard. How a bout making it more interesting? How about a show of hand? Who thinks I should buy at NI now (yes now, December 2011), and who thinks I shall wait till next year.
Wah, cannot lah, it has to be your call
Think of it this way, what is RM10K thirty years from now? Buy now - also can. Wait and see buy in Jan 12 - also can, but w/o the 10K rebate only what... but its your call...:p
Whatever it is, wish you good luck, peace and happiness