bepgof

Open the gate & door at nights, sleep at hall, wait for ah long, invite him/them in & "talk". Standby a camera & a parang. Very effective.

Remember, do not place these "movable mirror" at "corners", you will scare yourself to death one day.

Oily? You got "open concept" kitchen?. The only possible source for floor to get "oily" is from kitchen when cook. Isolate it while cooking. "Raw rice water" is good to remove oily stuff, you can try, need no deterrgent. Learnt from my MIL. Important: prevent "wet" feet to "spread": I put a retangular cloth at different location: outside common tiolet, outside mbr tiolet, inside kitchen between hall/kitchen, folyer. The foots will get cleaned/dry when step on these. Change these clothes everyday.

Time to have some "hand on" before calling plumber. Try to understand how it work + a bit of imagination, too many types in the market.

No big deal, go ahead. Kitchen washing basin pipe to floor trap also concealed. Make sure the leveling of this pipe is done properly, enable liquid flow from one end to the other, no "storage of liquid " at any part of the pipe.

Delisted stock. -I have 25 lots of General Magnetic share, which delisted recently, I have received the cert. Anyone here got hold stocks & get "delisted" from the stock exchange. Though of writing in to "scold" SGX, but second though tells me not to waste "bullet" when button can't cause any injury. I hold this stock for more than 10 years, yet....., loyalty does pay. - Any channel available to get these stock sold? Voice up in AGM? Force company to voluntorily wind up?

Slowly, one by one: 1. If you take hdb mortgage loan, will deduct abt 1 week after 1st appt, if i remembered correctly.. 2. Bank will take abt a week to evaluate your "financial background" before granting you letter of offer, anyway, before this when you approve bank for loan, the "financial consultant" will see your pay slip/IR8A, any property title deed, log on CPF to check the amounts....ie, you already know the outcome after the meet up. 3. Letter of offer will usually lasts for 3 months, but can ask for extention. 4. Once you take up the loan offer & signed, make sure the 1st disbursement can be effected within 6 months, if not, will get heavy penalty. The 1st disbursement will take effect only after 2nd appointment. The bank's lawyer will send representative to hand over the cheque to your seller on 2nd appointment. 5. Under present's situation, it is "dangerous" to get letter of offer before resale application submission, cos very likely the COMPLETION will drag more than 3 months. I almost "kena", called up bank to extend & wrote email, have the "black & white" to protect myself during that time (last year).

This rule not in effect, but... is now in our dear Mr. Mah's pocket, he would "throw out" anytime if he finds this is "heavy" enough to cause a hole in the pocket.. Of course, those already stayinging in private & renting out HDB, will remain till TA expires, I believed.

Froggy, is there any "late payment" clause in the commissioning agreement, got mention compound interest at how many %, per annum, per monthly, or per weekly based for computing such interest? If don't have, just delay till 2nd appt when whole transaction is deemed complete and when only then agent's service is deem complete.... If I were agent I'll insert such clause to make it more clear, transparent & complete.

Which is better: Capital Comm Trust or Keppel land?

I was merely joking in post#24. How I wish I could be yr agent & grant you ZERO comm. U're right that agent is to give PROMPT & APPROPRIATE advises to client, however, the final decision still in client's hand. No harm writing in, always hope for the best & prepared for the worst! May luck be always with you.

Talk abt investment... - Need experience, practice makes perfect - Need information, whether insider or outsider, "hear & say", do homework -Make decision - Most important, CAPITAL

Normal hardware shop got sell "normal" door locks, don't know abt the brand u mention, sorry hor !

If yr unit is "new" bought direct fm HDB, less than a yr, HDB will settle the issue, otherwises, this is a cost-split, 50-50 between u and your neighbour (up or down).

I got the "Rinnai" hob (wind prove, 3 burner)(3CG) & hood(998C) @$1,950-Lucky Khoon Bathroom Studio pte ltd, 31-33 Joo Chiat Pl. Want to know more? PM me or email me (bepgof@starhub.net.sg)

David, do you customise full-teak tv console, say 8 ft long, 26 inch dept & 2 ft tall, cw 4 drawers at bottom, 2 compartments (with 2 swing doors/each comparment) on top of drawer?

-Must have capital first lah -100K not enough, 200k can consider, 300k is good, 400k is "chiong ah" -Put 400k in bank for 1% interest for a yr=4K, -Buy bond@3% IR, =12K per yr -Buy EURO at 1.692, sell at 1.800, a yr later, wow hor say lah -With experience & skills, putting 400k into stock mkt, annual ROI expected 10%~15%=40k~60k - Give 400K let fund manager "play", forget the idea. - Buy Gold Certificate, not familar.

What if they charge u COMPOUND interest rate of 24% per weekly based, then how?

The wonderful part of having HDB Mortgage loan is: whether partial(in multiple of $5k) or full redemption, just go to branch office & settle, no fee, no lock-in, no penalty. Can I go there every month to make partial payment of 5K? What'll happen?

Wall not verticle. Make something to cover the blue pipe will do.

Believed your developer or MC, has bylaw to choose a limit range of gate, stainless steel S316 is the most costly so far I have ever come across, if those "wrought Aluminuim" @ $950, quickly grasp already lah.

I also try to use as long as possible, but.... -compressor >$600, easily spoilt when at engine at high rpm & sitch aircon on/off. - 4 Absorbers >$1,500, usually 3 yr the spring & gas no good already, lost the "damping" effect - Timing belt >$2,000 with engine gasket..+ time loss - Battery, 70AH >$100/pc - Tire, normal, cheap >$70/pc - Engineer Oil change+ filters >$300, worth to get good brand - Some more road tax + insurance - Got scratches here & there, I don't bother All "waste" money, but convenient.

Today just managed to let go 200 lots of C & O, prepared to forego the divident of $0.04/per share book close on 8 July. Div $8K. One must look at big picture first: - Greece's debt is a structural problem, the lending or bail-out is temporary. The EC countries need to "win back" the confidence of private criditors, in terms of restructing measures, which take long time. - Though US has "improved job employment figures, home sales, retail sales....", all these figures can go down anytime. US's debt is also very terrible, ppls keep spending "future" money. If yr friends keep buying things on credit, u still want to walk side by side with him? - China curbs property, when stopping?Once bite, ppls take 6 months to erease the memory. - Gov likely to do some curbs on property here, after GE, especially the COV issue. All these are "not good signs", though S'pore or Asian countries in general, have bright futures and prosper well. Stock mkt is very sensitive to "news" & volatile, up this moment & down the next moment, always "run" ahead of economic situation of a country.. - One must keep on reading to have "1st hand" info, if you get "news" from newspaper- it is too late. - Based on experience, build the anticipation ability to see/smell/hear/think what are happening, then what will likely to happen next. - Again wait for the day of 19/5/2010, see what happen.

When I have my 1st car, I asked the same. Now, I do not bother about these. I try to change car every 3-4 yr, before major overhauls which are really "costly" -Timing belts, - Compressor -Absorbers -tires,break, coolant, battery, engineer oil/gearbox oil - are consumables, get them changed before complete breakdown

I appreciate the art of "marking", instead of "buying", one would "more treasure" the end product. I like to hand on too, but now no space....too confined. The one at Changi also customised stones for customers, those feng shui stone-lion, kilin...