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Nothing wrong with whether Chinese or English speaking. I speak Teochew, Mandarin & English at home. My 2 kids also know how to speak these. Main points are: - Always "follow" one who can lead. A good schooling environment will nuture/encourage a young heart to excel, absorbe new knowledge, and always wanted to "move ahead". The schoolmates around him/her are important factor to "move" him/her either "up or down". I'm saying malay is no good in academic study. With too many around, will "pull" down the "standard". Hope not offending any malay who read this. - Young minds are like a spong, absorbe inputs fast but without filtering, as parents, need to do "filtering" for them. Watching TV serial programme is a waste of time. Must cultivate kids with READING habit which is the key to learning. I bring 2 of them to public library bi-monthly since young. Now, everyday, they reading straits times. Sometimes read Shin Ming Daily. Some kids born with "auto-pilot" skill, some needs closed supervision, identify their needs and apply the required. Not easy as parents, especially after a day's hardwork.....

Feel sorry to "correct" you on one of yr thinking: - Non-superstitous people, like me(haha!), read & believe in feng shui. Though I'm a baptised Presbyterian Christian who believed in one God. By the way, it is true that in present's fs world, contain too many "superstitious" stuff which are completely misleading though science has prooven these wrong. - Found No harm reading (not practising hor) those "superstitious" stuff from history point of view. Like Chinese's star constellation come with many made-up "stories", not facts. Anyway, ancient Chinese was really great and wise to develop such complicated star constellation which many fs theories based upon.

Appreciate your efforts. May be you're interested in replies to questions I posed to agent:(Too bad, i told her about the planting & star watching (actually now I'm studying star constellation, both oriental & western), she did not catch the main points and elborate which may touch my heart) No doubt, there are many factors to consider but where else in Singapore can you find: (1) A home set in a natural valley setting, OFFERING YOU A HOME OF A DIFFERENCE; (2) A home sitting on one of the largest FREEHOLD residential sites in Singapore, OFFERING YOU A SENSE OF SPACIOUSNESS & VALUE FOREVER; (3) A home in a tranquil, lush green, low density surrounding, OFFERING YOU A PEACEFUL, TRANQUIL & RELAXING PLACE CALLED HOME; (4) A home right in the heart of Siglap, close to amenities yet away from the high traffic and high noise areas, OFFERING YOU CONVENIENCE YET AWAY FROM THE HUSTLE AND BUSTLE OF CITY LIVING; and (5) A unit sitting right on the top of the valley, in N-S orientation, and yet enjoying the warmth of the morning sun only. A unit right on the top allowing you to enjoy the sky and the star, CAN YOU FIND ANOTHER UNIT LIKE THIS? If you wish to live in a quiet, low density neighbourhood and in a resort-style environment, then Flamingo Valley is an ideal tranquil neighbourhood which is close to transportation lines and yet not sucked into the hustle and bustle of daily living. There is a bus stop just right outside the development, bus number 40 will take you to the Bedok Interchange. If you drive, PIE and ECP are easily accessible, connecting you to various parts of Singapore. Comparatively speaking, developments which are next to MRT stations or main roads tend to be in high density, high noise and high traffic areas. As for the muslim cemetery park, it is no longer an active cemetery. We have taken a walk inside the park, it is a huge piece of land and there are thick vegetation and tall trees separating this park from Flamingo Valley. By the way, Bishan used to be on cemetery grounds and has that negatively affected the prices of property there? On the contrary, property prices at Bishan is one of the fastest rising ones in Singapore. At $894psf, this penthouse unit @ District 15, Freehold Flamingo Valley, by reputable developer Frasers Centrepoint (which offers you a comfortable home and beautiful landscaping), is definitely worth your consideration. On a macro level, D15 is one of the most sought after districts in Singapore, being the Top number 1 choice for the past four years. Compared to the pricing elsewhere for 99yr leasehold properties, at $894psf, this freehold #05-27 penthouse unit is definitely worth your consideration Hope you can reconsider.

What if stock get delisted from the Exchange?

1. For you to sit, rest while showering. Brushing body while sitting, feel relaxing & shiong! 2. Put small plastic rack with multiple tiers. 3. Cover the area with granite, look & feel grand.

1. Can ask Honeygal for lobang, hope situations the same as your. 2. If distance is "far" away, can you image the hacking! Hack open "old", hack open "new", cover up "old".... 3. Drainage pipe work by gravity is another issue, plan the routing first.

Salesman must be psycho you to buy a non-inverter AC then.

Since day 1 in 1992 as I know till now, my mil mops floor with detergent+dettol. My "babies" already 15 & 13 year old. Diluted of course, not one shot whole bottle into 5l pal. Dettol kills germs, mites, destroy "smell path" by ants,.....

Aiyo, MOE should change their syllabus and delete away those "music" & "art" subjects. And "teach" one how to hold a screw driver & drill, change lock. Quite common sense that locksmith will destroy existing & replace with a new one, or need no lock at all? Or lock + cable tie like what my mil did?

Relocating a FCU is not like moving table. You failed to understand what I've said "consealed", pipes, trucking....after that still need to "make good" to location where FCU originally sit. Once a mirror is broken, no matter how strong the super-glue is, one will see the "make good" marks!.Paint's tone is another issue.

NOW can do this. This "model", among many others, has been put in "simulator" with "results" generated, acc to an insider from TMHG. It is a matter of time and need, the simulator to be swapped with actual reality. To reveal more: will be a step-by-step legislation change. Whoever want to rent quickly do so before too late.

Those locks with "tongue" right?, can be easily forced open, then make good again. I have the powerful big padlock/chain cutter can lend to you, if you want.

Some more here: 1. Monthly maintenace - depend on # of share, can easily hit $300 a month for a 90sqm 99 yr LH with "quite some facilities", more failities, more ex, less resident more exce, FH usually more ex than LH cos of # of residents. 2. For kiasu , apply a 60%:40% rule. 60% is your ready cash + CPF, 40% is the loan amount. 3. Watch out for cpf minimum sum rule if were to hold 2 or more properties at same time. 4. Monthly utilities bills? say $150 4. So, assume you buy condo & keep hdb 3rm, 500k loan for 30yr@2.2% interest rate, monthly cashflow likely to be as follow: Cashout: 1898.5+300+(6000/12)+150 = 2,849 Cash in: 2000 from rent yield + monthly salary wage Monthly payment = monthly salary wage - $849. Wow lau, can quickly go & buy already and rent out the 3 rm! Provided: - interest rate stay @ 2.2% - Can rent out 3rm, all the way while staying in condo - Steady wage - Some other expenses, family? - Other liabilities, like car loan, reno loan, all the loans - Any "insurance" to pay? - Too many to list here

Just to express some experience here: 1. If ppl gives me "an inch", I will make sure to pay him "1 feet". "Ren qing" can't be measured/pay/buy in monetary term. I owed my mil too much... 2. Previously (1st 5-rm), mil even put little padlocks over those widow grilles with cable ties. That was when my 2 kids were young. I used to open grilles for watering the cacti, sccullent & hydroponic plants(morning sun).eventually, gave up the "hobby" temporary( almost 12 years!). Found these grilles very obstructing! 3. She even got "arm strong" padlock for the gate.. sigh.... Found very troublesome everytime in & out my own house. There were so many keys get herself confused, always. I just make sure hang one set at back of main door, at all time, for everybody to escape for just in case. One good thing, she seldoms close main door - at least same tune. 4. After shifted to condo, luckily no window grilles, however, still see the "arm-strong" sigh...main door remained open. See my plants again. 5. "Downgrade" to 5-rm hdb, start of this yr, no more "wire mesh" grilles, just 2 bars across all windows. No more "armstrong", but i missed the plants...main door open. 6. Have been my "dream" to get one without built-in terrace roof, to have plants and see/count stars at night.....

Serangoon & upper serangoon is one of the "longest", "busiest" yet "narrow" roads in Singapore. Obviously the OH driveway, MRT, CTE, help but cannot solve the traffic congestion problems existed long long time ago. Imagine go back home via CTE at night till kena "penalty" by paying ERP. Mr. Mah has been once or twice at this roadside "observing" the condition! Take a drive from downtown, towards upper serangoon rd, say start from junction of braddel/upper serangoon till Hougang Ave2. Tell me you can find how many U-turns & right-turns. Since you live in North, you should know the traffic conditions there. From paper, Kovan area has become another "small vietnam", a copy of joo chiat. Find out from www.moe.edu.sg about the primary schools info. In 2001, I lived "within 1km" from Red Swasticka Pri, under phase 2C, balloting still could not get in, register my son under waiting list(position #21). Same year, tried many legal ways & means, finally on 24/12/2001, principal called & joke wanted to give me a "Christmas Present" & said "welcome abroad". Son knew abt this & told him work hard to pay school back more than this present. Won 2 big "cups" & some cash for school in competitions. One of the big pictures featuring moe minister, principal & him still hanging on the wall. He is now with RI, S3. So, good "luck/preparation" to you in advance. Oh, you may consider clear water, aquarius by the park, baywater, waterfront key, waterfrontgold...if considering RSS for your children. Always, within this 6-yr journey, travelling time/safety are main concerns for children. As in my earlier post,

Wow piang, do you like existing grille? If like, keep it, don't like, get it replaced. Forget about the keys to locks. Have=don't have.

Beam height? I have 5 beams,height all =12". I did false ceiling & those "boxes" with PLC downlight to counter the visual effects, beam become not obvious, except the one in Kitchen which I cannot do ANYTHING. Before: http://img686.imageshack.us/img686/9605/dscn0527f.jpg After: False ceiling 4", beam height remains 8" http://img694.imageshack.us/img694/3589/dscn0733j.jpg

- Very likely airrcon man's check will land you nowhere, except paying him service charge. - FCUs built with motor fan, coil with fins, electronic board for RC and temperature control, filter, mechanical moving damper... - The copper pipe where coolant flow from & to compressor & FCUs can get corroded and leaks, and those joints at FCUs & Compressor, expand & contract over time, always cause minor leakage & coolant evaporate over time. - Compressor sholud be of non-inverter type (9 yr old?)only either "on" or "off", wear out very fast, up to 10 yr lifespan. - Insulation material also "harden" already, implying no effective insultaion, will see heavy condensation. Having written so much, conclusion: die die must change - now is the right time.

You 'll understand what I said when you grow older. If have time, visit & compare a few schools. From pupils' behavious, can tell if school good or no good.

Factors to consider: 1. 3rm HDB fully paid? If not, how much is monthly instalment. 2. Monthly income? Existing OA how much, amount to OA monthly how much? 3. Loan 500k, 30 yr, interest 2.2%, monthly instalment =$1898.50 - cpf can pay how much - cash how much - provided interest stay at 2.2 4. Loan 200k, 30 yr, 2.2%, monthly=$759 - Want to pay this amount for 30 yrs? Now how old? 5. Property tax, 1st @4% at annual valuation, 2nd @10% -5rm hdb annual valuation now at 90,000, 4% = 3600 per yr, 10% = 9k per yr. -1270sft, 4yr old @ bedok reservoir @ 150,000,4%=6000 per yr.(must stay there to have 4%) 6. Make sure bank wants to lend you 500k. 7. Have u included the stamp duty of condo? 8. 5% (cash) +15%(cash or cpf)+Stamp(3% of condo-5400)(cash or cpf)+....... 9. 15% needs to be paid within 14 days for "ready built" condo 10. 15% needs to be paid within 6-8 wk. 11. If cannot loan the money required & cancel the "buying", 5% bye bye. Any more?

I'm looking for a "retiring" place actually, can do planting & counting stars at night. But now "a bit" early to make the decision. May be 4~6 years later to move in. Parents alway sacrify for their children. I'll not do a "strike" without reason/s.

In fact, I found "too many choices to choose from" in buying. Quite typical scenerior: - Children's(primarily level) schooling/safety/travel time come first. I've "over" this phase, part of reasons I sold away the private unit last year, near RSS to a coupler who has children in RSS. - Children's (sec/jc level) public transport/travel time issue. I'm now located. I need not to fetch them as frequent as before. - Next phase will be a "retiring" place, parks, reservoirs, garden, seasides, can do planting yet counting stars at night. Hopefully monthly maintenance fee can be as low as possible.

1. Serve him a written notice, counter sign by both to void TA. Ask all out within how many days?? Any clause to support?.Bring muscular men with you for private nego...remember the rule of thumb: "He who shout louder will get it first". 2. Bear in mind, you are fully responsible for "anything wrong" , if the >5 subtenants theft, modest, drunken, noise....cause to neighbours.... & reported to HDB, you will kena letter...

1. You must realise one thing: Police handles only "criminal" natural of happenings, & once police take record meaning they "open a new case", they have to do something in order to "close the case". There can not have too many "outstanding" cases remained unsolved reflected in the monthly report, so, as far as they could, just "verbally advise", & don't open a new case. 2. This situation renders TA void automatically, don't tell me you have no TA signed. 3. Then "settle in private" lor - nego for new terms, if fails, threaten lah. Ask reporters to take pictures & interview them why they do this.

- Not really knowing your situations, but I guess: - U want to include yr parents' name in the Joint or Common tenacy, so to make use of their CPF to pay instalment or partial? In eye of law, bankruptcy has no "legal title" to own anything = cannot put their names in Joint or Common tenacy, but can put them as occupiers. - Can't use occupiers' cpf account to pay loan. - Cash shortage? to do downpayment/instalment? Banks can "help" you by sucking your blood. - Self emplyed? Bankers supper scary of this category of people, & lend no blood for you to suck. - How to help, don't buy BTO lor !