POSB Housing Loan Repricing Fee

Because of the trade war earlier on and now the Corvid 19 virus, interest rate is dropping. As such, this is probably a good time to start research on repricing. However, i know repricing is not free but i just don't know how much is the fee. Looking at POSB website only cause me more confusion.

For Without Lock-in, is the total fee for repricing consists of 0.75% of undisbursed loan amount + 800 processing fee. If that is true, that is a lot of money.

To clear the confusion, i call POSB Housing Loan number 63330033 and it looks like this fee is probably not fixed. After they get all my information, they let me know that the repricing fee is only 300, so much difference to what they put on their website. So for those who has the same issue as me on trying to understand their repricing fee structure, make a call as you might not get the same number as mine.

Crayola $12 Surprise Box (Lazada 12.12.2019)

The total cost is actually 13.49 because there is 1.49 delivery charges.

There are 3 items in this box

The individual item cost that i can found online is as below, price listed as of 20 December 2019 and price exclude delivery charges and you could get it cheaper with voucher or platform credits like Shopee coins, Qoo10 Qpoint.

1. Crayola Modeling Cray (8 pieces) - $5.5 (Shopee), $5.9 (Qoo10)

2. Crayola Tip Art Kit - Electric Lime - $20.9* (Lazada), $21.16 (Shopee), $24.9 (Qoo10) 

3. Crayola Color Alive 2.0 Frozen - $14.9 (Qoo10), $20.9 (Lazada)

* During 12.12 sales, i notice this item is actually discounted to $12.

So overall, the box contain item that are still useful but color alive 2.0 probably not worth that listing price and might not appeal to all kids. 

UGreen Wall Charger with QC 3.0 Technology for Honor 8 Pro

I am buying this charger to be used together with my Honor 8 Pro as this charger supports 9V/2A output which is required for fast charging.

I bought this from Lazada on 10 Feb 2018 but due to Chinese New Year, i only receive this on 8 March 2018 which is expected because of the festive season. I bought it for SGD 12.42 but the price seems to move up when i check recently. Also the package i bought comes with a free 1M USB 2.0 Type-C cable.

The front look of the packaging.

Specification, for the Quick Charge 3.0 Output, it supports 5V/3A, 9V/2A and 12V/1.5A. There is also another normal USB output that can support 5V/2.4A.

The wall charger with Quick Charge 3.0 output and Normal output.

The charger is quite bulky.

This bundle comes with a Type-C cable. It supports USB 2.0 but this does not really concern me as i will just use this cable for charging purpose.Also, Honor 8 Pro only support USB 2.0.

And the Fast Charging is working! Using the charger as well as the free cable.

I am satisfy with this purchase. 

Micro USB SD Card Reader

Purchased this item from ebay to be used on my Asus Vivotab Note 8 so i can use it to read SD card from my camera. It is cheap (SGD 1.59 when i purchased) but as usual, the delivery take around 3 and the half week.

The reader :)

This is how it looks like when you insert the SD card

So this is how it looks like when connect to tablet

Asus Vivotab Note 8 promotion - SGD 399 with free Microsoft Wedge Keyboard and Asus sleeve

7 Nov 2014: Saw advertisement that it is selling at SGD 299 but limited to 5 sets per Best Denki store. It is definitely a good deal if you can grab it.

This is actually not the cheapest deal as Amazon is actually selling this for USD 229 and it also provides free shipping to Singapore. Please note that Amazon deal is without Microsoft wedge keyboard and Asus sleeve, so if you add these 2 items as part of your purchase, the cost will probably be around USD 300. This is still consider cheaper but with so many reported stylus problem, it is probably better to get a local set which will make the repair easier if it happens. The promotion is from 1st August to 9th August and you can only get from Best Denki which is the only place you can get the local set.

This is what you will get

Unboxing Asus Vivotab Note 8, got Asus Vivotab Note 8 itself, UK type power adapter (So good thing about local set is you get the 3 pins power adapter), micro USB cable, Office Home and Student 2013 product key card, manual and quick start guide.

 I got the white colour version. The bad thing about this is glossy surface. The manufacturer date is June, 2014. So hopefully this batch of Vivotab has less problem on the stylus.

The stylus also is white colour. I do find it quite difficult to take out the stylus from Asus Vivotab Note 8. Probably this is good thing as this means it is not easy to lose your stylus.

The keyboard is actually not bad, comfortable to use and the keys is not that small also.

Size comparison, keyboard is actually longer than Asus Vivotab Note 8. So that's is also why the key can be made bigger.

The keyboard itself is actually not that heavy but with the cover then you can feel the weight. The keyboard is powered on once you remove the cover. So besides can be used as a stand to hold the tablet, it can be used to power up/off the keyboard also.

So this shows how the cover can be used as a stand for the tablet. As you can see here also, the keyboard is elevated at certain angle.

The components below the keyboard hold 2 triple A batteries. This is also why the keyboard is elevated.

The sleeve is actually quite OK. Offer adequate protection and at the same time can be used as a stand also.

It fits the table nicely

Use as stand, put the table in more vertical position

Another position

Generally, i still feel this is quite a good deal consider the free gifts throw in are actually quite useful and not those useless low quality free gifts. As for the tablet itself, so far i have no issue with it but i still need more time to play with it before i can conclude anything and i will try to create another post to describe my experience on that.

I bought a micro-USB SD Card reader so that i can easily read my camera SD card photos. You can read about my purchase here.

Nutella Not So Healthy After All..

Very interesting article from dailymail.co.uk about Nutella.

Firstly, some interesting facts about the popularity of Nutella

"A jar is sold every 2.5 seconds globally. The company produces enough Nutella each year to create a smear of spread that would circle the world 1.4 times. Stacked up, the jars would build 22,000 Big Bens."

Secondly, is Nutella is actually not that healthy even with hazelnuts as one of the ingredient

"More than half of Nutella (56.7 per cent) is pure sugar, while 30 per cent is fat. Some of that is the fat found in hazelnuts, but around 20 per cent of the spread is semi-solid palm oil. Just 13 per cent is hazelnuts.
Its makeup — in terms of cocoa, sugar and fat — is almost identical to chocolate. Despite the hazelnuts, there aren’t many healthy nutrients. ­Claiming it’s good for you is like arguing that you get some of your five a day by eating ­Cadbury’s Fruit & Nut."

So will you stop eating Nutella?

JJC Hood for Olympus 45mm f1.8

Olympus 45mm f1.8 is an excellent lens but one of the complaints by user is the omission of lens hood when you buy this lens. Furthermore, the Olympus lens hood can easily cost more than SGD40. That is why there is a market for 3rd party lens hood and JJC is one the provider.

After survey the pricing from different online retailer and i finally decided to get it from ebay which is selling for around SGD14 with free shipping when i make the order. I placed the order on 23 May 2014 and received it on 5 June 2014. I consider this is fast delivery as i did encounter delivery time of more than 1 month when using free shipping.

The packaging is ok and this is very typical packaging when free shipping is used. 

The box of JJC Hood. A bit dented here and there but the lens hood is not damaged.

There is a genuine verification code on the top of the box which you can check whether this is genuine or not.

And the Lens hood itself

And the hood on the 45mm lens. 

The one good thing about this hood is it can be attached in reversible way.

I must say the hood feel a bit wobble when attached to it but it will not fell off from the lens. But with price i pay, i do expect this hood will not be as good as Olympus one but that is something i can live with. So, i do recommend this lens hood if you really need one.