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  2. The following is another advise which I think you should understand. Increase in floor area "might" in turn affect your property tax. Let me explain: Property Tax is based on your property’s annual value. The way IRAS estimates your property’s annual value is by taking an estimate of how much rental income your property can fetch in the year. In other words, IRAS is taking your property’s rental potential as an estimate of its annual value. And rental value increase in direct relation with floor area (1 of the criteria, of course there are other factor such as location, etc). For example, rent for a 2000 sq ft landed property will be theoretically be lower than a 3000 sq ft landed property, assuming all other factor such as location, condition of property remain unchanged. If you had engage an architect, I'm sure most of the time the architect will try to maximize the potential of the land usage.
  3. I did a simplify diagram. Example 1 shows ceiling board & roof install together at same level (Assume maximum 5 m from Attic). After factoring the 45 degree spring line your allowed floor area is as shown. Example 2 shows Roof level remains but Ceiling is lower down, Floor area increase. Please note this is not the only criteria. Just serve to explain the concept of Spring Line in relation to height which affect the floor area In layman's term, Whatever you can build must be confine within the trapezoidal boundary (roof line, attic floor line & both the front & rear 45 degree spring line)
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  6. https://www.wikifx.com/sg_en/ The Bank of Japan will announce its interest rate decision on January 21. At present, it is generally expected that the Bank of Japan will maintain the policy balance interest rate at - 0.1%. We expect the BoJ to commit to keep interest rates at their current low level or even cut them until the inflation target of 2% is reached. With Japan's economy still under pressure from trade tension and consumption tax hikes in October, bank governor Kuroda Tohiko may express his determination to maintain ultra loose monetary policy. At that time, the central bank will also release economic growth and inflation forecasts, which may raise the economic outlook for the new fiscal year. Bank of Japan governor Kuroda tohiko previously said that if necessary, short-term and long-term interest rates are expected to remain at current or lower levels for a long time. Moody's also expects major global central banks, including the Federal Reserve, the European Central Bank and the Bank of Japan, to maintain loose monetary policy. With economic data falling, the BoJ will ultimately need to act. We believe that the moderate inflation forecast will strengthen the market's expectation that the Bank of Japan will maintain ultra loose monetary policy. The BoJ will further relax its policy by deepening its guidance on negative interest rate policy, and may cut interest rates by 10 basis points to - 0.2% later in the first quarter of 2020. USD/JPY daily pivot point: 110.16 S1: 110.04 R1: 110.28 S2: 109.92 R2: 110.40
  7. https://www.wikifx.com/sg_en/ Exposed broker: XM Regulatory Status: under valid regulation Complainant: Mr. Sadon from Saudi Arabia Cause of complaint: losses due to irregularities on the trading platform WikiFX is scheduling an exposition this year in Dubai, the financial capital of the UAE, and as the initial preparations proceed recently, we received a complaint against broker XM from Mr. Sadon, an investor from Saudi Arabia. He shared his experience of suffering unjustified losses when trading on XM, in order to warn other investors against the broker. Event Recap (Mr. Sadon’s narration) Today, I’d like to ring an alarm for investors trading on XM and to other investors as well, especially those who are new to the forex circle. Hopefully my experience can prevent more fellow investors from falling victim to this scam. The broker XM swindled me US$300 by manipulating the price on the platform and changing my stop-loss setting. Without my authorization, the platform replenished my margin account 3 times for US$100 each time, until my balance was used up.It was during the last of such irregular operations that I found out something was wrong, because surprisingly enough, when I made the same transaction in another demo account, I achieved the goal and made profits, yet on the XM platform it was in the situation of a stop loss!! In another occasion, I noticed that the transactions in both accounts were profitable when I logged on the platform. But suddenly, the balance on the XM platform became negative, and the broker later informed me that my account was at a stop loss. I immediately took a screenshot of my trading records and contacted the company about the issue. They asked for my account number and phone number, saying that they would look into the matter and call me back. I waited for several days, yet the account manager (his name was Krikor) didn't even call me, so I reached out again, this time through email. In the following week, I contacted the broker’s agents again and again, but they never answered my requests. About XM WikiFX App shows that XM is currently under valid regulation, holding MM licenses from ASIC(Australia) and CySEC(Cyprus), while subject to offshore regulation from IFSC and FSA. Having been in business for more than 5 years, the broker’s score is 9.26, boasting a fairly high reputation in the forex industry. Conclusion From this case we can see that XM, despite its good compliance record, is not completely risk free as investor still suffered from irregularities. Should you notice any similar problems when trading on this platform, keep the evidence and contact the broker immediately. If you are having difficulties reaching the broker, you can seek WikiFX’s help by providing the key evidences, and we’ll do our best to help you recover your funds.
  8. 3D Drawing of my house (version 1/3) Couple of days back, my ID informed me that the 3D drawing is ready. Yay! 😁 I’m quite excited and curious how my house will look like with the materials and color combination I chose. On the other hand, I’m quite worry it will turn out quite messy because I have selected quite a few colors (as what mmoh have mention earlier, our house not very big does not need so many colors). 😟 After looking at the 3D drawings individually, I think they all look great but just worried that when all put together in a small house, it might be a bit too much. To be on the safe side, I have decided to reduce my laminates to 2 colours. 😬 Just go with the combination of White with one Wood color for the whole house (I very good boi, listen to mmoh 😇). I shall see how the version 2 of the 3D drawing will look like with the new changes. Will update this post once I have received it. 😉 Living Room Version 1 Comment: Will extend the open shelve (above the TV) all the way to the other end, top cabinet will request to split it equally (OCD kicks in). Glass cabinet on the right side, I will request to change the glass door to a fixed glass panel and casement door open from bedroom. Kitchen Version 1 Comment: Tentatively there’s no changes for kitchen, quite happy with it. Bedroom Version 1 Comment: The open shelves on the right side of the wardrobe will move it down to the floor to put my dry box. Toilet Version 1 Comment: The color of the wall nearer to the bowl is incorrect (look like grey now), it should be slightly closer to the tone of the floor. Previous Topic Next Topic Back to Content Page
  9. firstly, I must clarify that I do not know how your architect had designed the roof profile. assuming that the area within the 45 degrees pitch lines are currently not utilised as indoor areas and you have a 3.5m height for the attic, you could possibly get another 6sqm (64sqf) each for front and back (assuming your plot is 6m wide, and 1m extension). again I must emphasize that I am assuming a lot of things here as I do not know your land dimensions and roof profile which is being designed.
  10. try what luckykhoon suggested. usually its a case of a worn seal in one of the faucet and all u need to do is to just replace the faulty one.
  11. hi snooze, can i check. say if the archi is only managed to built 1000 sqft on attic. how much more gfa can ur drawing yield?
  12. Just a short stroll from Orchard Road, one of the world’s most famous shopping streets is New Futura, an ultra-luxurious home like no other. New Futura isn’t merely a trophy home, but a crown jewel in your family portfolio. It’s a privilege reserved for only 124 owners to savour, share and gift for generations to come. Existing executive condo launches include Piermont Grand EC, Rivercove EC, Parc Life EC, Northwave EC, Hundred Palms Residences and upcoming ones include Parc Canberra EC, Ola EC and Tampines EC. Ola and Parc Canberra EC price and details will be available shortly. At New Futura, details matter. That’s why you’ll find over 250 parking lots in the basement, with some designed extra wide to accommodate supercars and coupés. Located on the multi-tiered lush tropical landscaped gardens, is an infinity lap pool, aqua beds and the aptly named Club Futura. This exclusive clubhouse provides cool respite in the day and transforms into a private dining venue at night. To complement life at New Futura, you’ll find the hospitality-trained hosts of our Signature Residential Services who are dedicated to pamper and provide to your needs. The doors of your private lift open and lead you into a generously sized living and dining room with a spacious balcony. You’ll discover elegant fine marble flooring in every home and double volume ceilings in selected units that expand and heighten your living experience. Depending on your lifestyle, you can choose from a range of 2-, 3- and 4- bedroom apartments. For those who dream of owning a bungalow-in-the-sky, you can luxuriate in a double-storey super penthouse replete with your own private swimming pool.
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  14. https://www.wikifx.com/sg_en/ Broker: AFX Address: Arch. Kyprianou 2 & Ayiou Andreou, G.Pavlides Building, 3rd Floor, 3036, Limassol, Cyprus Visited by: WikiFX team Background of the visit: AFX Group is a retail forex broker licensed by the FCA(UK) and CySEC(Cyprus). In July last year, the Cyprus Securities and Exchange Commission(CySEC) suspended the license of forex broker AFX Capital Marekets for 10 days, because the broker violated customer funds protection regulations and caused negative impact on the orderly and stable development of the market. Later, the British Financial Market Conduct Authority(FCA) also suspended the company's license. In order to protect investors' assets safety, WikiFX team visited AFX Group in Cyprus. Geographical location: Limassol is located on the southern coast of Cyprus and is the second largest city in Cyprus. In recent years, because of a regulation more relaxed than that in Europe and America, Cyprus has attracted many forex brokers to register here. On-the-spot investigation According to the regulatory address, WikiFX team came to the center of the old town of Limassol and found an weathered multi-storey building. we entered the office building and found a company sign. According to the directory, level 3 to level 5 of this office building belong to AFX. We then took the elevator directly to Room 301 on the third floor, and found AFX’s logo at the door. But no one answered when we rang the doorbell or when we went upstairs and knocked on the door. We waited for nearly an hour at the entrance, but saw no one entering or leaving. Conclusion: Per investigation, we found that although AFX’s office was indeed in Cyprus, the broker didn’t seem to be in business. According to WikiFX App, AFX is rated at 3.32, and its MM license from CySEC(Cyprus) and appointed representative license from FCA(UK) have both been canceled by the issuing authorities, while the broker’s investment consultation license from FCA isn’t authorized for forex brokerage business. Investors need to be aware of the risks with this broker. Up till now, WikiFX has archived profiles of over 15,000 forex brokers. Investors can type in the name of the broker to easily look up its full profile and detailed visit report on WikiFX App.
  15. https://www.wikifx.com/sg_en/ According to the data recently released by the Federal Statistical Office of Germany, the country’s annual inflation rate in 2019 dropped to 1.4%, lower than the 1.9% of 2018 and 1.8% in 2017. Statistics suggest Germany’s inflation in December, 2019 sat at 1.5%, and the monthly inflation figure excluding energy price was 1.8%. Food price rose 2.1% year-on-year, with a significant increase in the price of meat and meat products. The European Central Bank set the inflation target range at slightly lower than 2%, but ever since 2019, even Germany,the largest economy of the Eurozone, had failed to meet the 2% inflation target except in April, 2019. An inflation constantly under target level will affect business investment and private consumption, thus stunting economic growth. In order to tackle risks of deflation and boost economic recovery of the Eurozone, the ECB continues to ease monetary policies. But the latest inflation data in Germany shows that the ECB’s easing policies haven’t been very efficient in boosting inflation. German Council of Economic Experts previously estimated that Germany’s inflation in 2020 will be around 1.6%.
  16. Proper Talent allocation is essential for maximizing Damage output. Here, we will describe the most optimal spec and lead you through the Talent Trees level-by-level to explain some choices. Shadow Priest's Talent Build should depend on his current Gear. Raid-ready Spriest should go for the more aggressive setup, while beginner should aim for Talents that will allow him to stay useful when he inevitably runs out of mana: Entry-level Shadow Priest Build - Shadow Priests are famous for running out of Mana incredibly quickly, especially when they are undergeared. This build tries to offset that fact by securing Talents, like Spirit Tap and Wand Specialization. These create a solid backup plan for situations when Priest's mana runs out - finish off a trash mob, pull out a Wand, and Shoot Targets while your mana regenerates. While solid in 5-man Dungeons, this strategy will not work too well in Raids, which means that this version of the Build should only be used to farm pre-Raid BiS items (this is why it closely resembles a leveling build). As soon as you build-up enough Spell Power and high enough mana pool, you should switch to the Build featured below (Spell Power makes Wanding obsolete and high mana pool allows you to maximize your Mind Blast usage which considerably increases your DPS). Raid-ready Shadow Priest Build - This version of the Shadow Priest build forgoes utility and sustain-related Talents, and instead focuses on maximizing DPS. To use it effectively, you'll need at least pre-Raid BiS gear and a hefty stock of consumables (Mana Potions, Runes, Mana Regen Food, etc.). In the Raid environment, you will not be required to support healers with Shields and the only instant-cast spell you'll be using in your rotation is Shadow Word: Pain, which means that Improved Power Word: Shield and Mental Agility Talents are completely redundant. This means that 8 Talent Points can be spent elsewhere: Thanks to 4/5 Improved Mind Blast Spriest's rotation becomes much smoother - 6 seconds (the new Mind Blast's cooldown length) is enough to cast two Mind Flays which allows you to use Mind Blast ? Mind Flay ? Mind Flay ? Mind Blast sequence without clipping into Mind Blast's cooldown (which would happen if you used 5/5 Improved Mind Blast). However, using Mind Blast more often creates a Threat problem. This is why 4 remaining points were used for 5/5 Silent Resolve which should minimize the problem. Discipline Tree: 5/5 Wand Specialization - Your Wand now deals 25% more DPS. This Talent makes a big difference if you don't have Spell Power/Shadow Damage gear equipped - when you are gearing up, in other words. 1/5 Silent Resolve - With this version of the build, you will not be using Mind Blast too often which means that Threat should not be a problem. 2/2 Improved Power Word: Fortitude - In a build designed for High-Level 5-man Dungeons, this Talent is necessary (there might not be a second priest in the group, so you will te the one buffing people). 3/3 Improved Power Word: Shield - PW: Shield does not scale with gear almost at all, which means that this Talent is the only way of improving it. The shield is incredibly useful in 5-mans and for solo content, so skipping this Talent is not recommended. Sadly, Shield can be used on Group members only, which limits its viability in Raids and other mass content. 1/1 Inner Focus - Great for casting a free, hard-hitting Mind Blast, although you should try to save this Cooldown for an emergency. 3/3 Meditation - Makes Spirit a bit more valuable and slightly improves your sustain. 5/5 Mental Agility - In 5-mans, you will constantly be using spells like Power Word: Shield, Shadow Word: Pain, and even Renew, which means that this Talent will generate a lot of value over time. The World's Top WOW Classic Website--WOWClassicGP.com is committed to offering various WOW Classic products, like World of Warcraft Classic gold, items, powerleveling and so on. Competitive prices, 100% safety and fast delivery, as well as the considerate 24/7 Live Help will definitely make us the best choice when you need anything in game. And all our customers can be absolutely well served whenever you come to our store.
  17. RuneScape Mobile is the official RuneScape client for Android. RuneScape is an old but very popular game with a lot of excellent content for players to discover. You can join to create characters and start adventures, you can definitely get a lot of interesting things in the game. Although this is an older game, the graphics have always been excellent and the controls are very stable. It also supports cross-play with the PC version and you can easily switch back and forth between the two. Additionally, this is a subscription style MMO so you don't have to worry about game breaking runescape 3 gold micro-transactions like most mobile MMORPGs. The game is still in beta and we expect a lot of the clunky elements to get polished up over time. This gold is earned by folks through quests, displaying skills or from any other activities in the game. However, being a newbie, you have high chances of hitting a wall which will significantly limit your RSGP earnings. This could be very frustrating and even lower your spirits. Keep in mind that gold is far much more than just mere cash as it can serve as a great leverage for any future game endeavors. Products from RS3gold.com Now that you fully understand what RS Gold is, you definitely do realize how important they are. You need to acquire and purchase as much RS Gold as you can in order to guarantee your comfort when gaming. Here at RS3gold.com, we would rather equip you with all the coins you need. We have all these gold coins in stock including: All these products and much more are in full stock at our online shop. They are also affordable as their pricing is quite low, yet very competitive. So, why exactly RS3gold.com? 1. Secure Transactions With RS3gold.com, worrying about your personal information’s security isn’t an option. All security precautions and measures are in place to ensure that you are well protected when visiting our shop. As a matter of fact, your personal information can never be shared to any third party whatsoever without your consent. 2. Fast and spontaneous delivery After placing an order at RS3gold.com, the processing is done real time before releasing your purchases. This means that your order is delivered in just a few minutes after ordering. We guarantee one of the safest and fastest deliveries. 3. Affordable yet affordable pricing of gold coins is guaranteed At RS3gold.com, we are striving each and every other day to ensure that we provide quite affordable and cheap gold coins. Our prices are settled upon after in-depth analysis of the matter. Having put that across, it is our firm belief that the best and top-rated services including low pricing of coins can be accessed from our site. 4. Guarantee of total satisfaction Customer service satisfaction is one of our areas of expertise. We work day and night to ensure that all our clients and customer enjoy all the services we provide. We are available 24hours a day to provide any services you need to your satisfaction. In case of purchases and inquiry on anything pertaining to our services, feel very much free to visit www.RS3gold.com.
  18. Hi, I would like to get the contractor contact. May I also ask how much you spent on the renovation? Thanks.
  19. Hi, any one knows of reno contractors who provide monthly installment plans for reno works. V essential to have reno done to my house but strapped with upfront paymt. Pls pm me. Thank you in advance.
  20. Hi anyone has had experience woth Morningside interior dedigners. You can pm me. Thank you
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  23. e were in a sticky situation last year, when we collected our keys for our new 4 room bto as we did not manage to get a renovation loan from the bank, thus we went in search for a renovation contractor that is able to give us in house loan to do up our house, of cos due to budget constraints we didnt went to i.d Our total renovation costed $27,000, but spread evenly for 5 years i would say still abit on the high side but the contractor really did a good job. If anybody is in the same situation of loan, can find my contractor ah wee 96859756. He really helped us solve on renovation loan issue.
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