bepgof

When ppls ask for "2nd opinion", usually, they have aldy >80% decided on the subject matter. The 20% left is what the psychiatrists called "cognitive ressonance". When one bought a car or house, he/she would be very keen to take actions, consciously or subconsciously in finding out and comparing the prices of the similar, to judge if he/she made the right purchases. If he/she found his/her purchases are "cheaper" - feel happy, otherwise would be "upset" for a period of time. This "invisible" process is called "seeking for 2nd opinion". All human is like that. The seeking of the 20% (2nd opinion) would either land one in happy or sad mood. Why send time, $, resources on doing "backside itchy thing"? Stomach too full, looking for "troubles" to trouble? In my frank opinion, whether HDB, pte condo or landed, owners already decided the 80% of the fs of the residence, left only the 20% for fsms to "pin point", think again, you will agree what I said.

Yr "comments" hor, not mean to poke at u, makes me "laught": Read carefully TS found a web with master provides "added value" service that can "kill 2 birds with one stone" (Sound something like these days' one-stop service, Bao all-in-one), but TS just wanted to get ONLY one bird killed(fs audit) and doubted that master's "one stone" skills which kills 2 birds with one stone, would accidentally "kill" something else, he thus confused. U proposed that bird A is bird A, bird B is bird B. It is "good" for masters to posses "one-stone" skills which kill both bird A and bird B with one stone. U further elaborated that to kill bird A, need to find a master with good skill in killing bird A, looking for a master with skills in killing bird B for whatzzz? Did TS want to look for master who can kill bird B? In my opinion, the "added-value" concept is like "drawing legs to a snake" - I always visit hawker stalls who sell a single "product". This is "specialisation" and "competency". Too wide the "products/service" will dilute their focus, segmentation and targets. Therefore adopting a "no prawn fish also good" mentality when dealing with clients. Great theory again?

Why bothers abt wht door/gate/windows directions???? for WHATS,? besides taking into consideration of sun rise/set, north/south winds at different months. "Begining of Summer" already "started" since 5 May 2012, coming wks/months till Aug 7(beginning of autumn)will be hot, hot, hot!

World class master piece from the heart and mind. Psychological burdens vs motivations? He who knows nothing therefore "doubt" nothing, ie gong gong "eat", gong gong "grow". The more one knows, the more "worries". When I was a boy carrying a piggy bank in my arm, walked from home, on the street, to the bank, happy happy no worry. Smile on face all the way. "Potential" robbers saw me happy happy all "siam" one side. Grown up, earned some $, put inside pocket, walked towards bank for bank in, head turned here and there, looked out for "potential" robbers, heart jumped, nerve tensed up, face looked serious, all eyes looked on me (all look like robber)....eyeing my $$$??? Some ppl, without cool minds and backside itchy, look for fsm for "comments" - "problems" come - to believe or not to believe? Very headache right? Pay $ to look for "troubles" isn't it called "backside itchy"? Same applies for "fortune telling". Good smile smile, no good seek 2nd opinion? until the 2nd opinion is "good"? Give me $, I immediately tell you "good", and "very good".

I charge half of the proposed, agreed? Bazi analysis is priceles....., don't understand what I mean? Ask those who experienced it.

"Stinky thing" cannot lah. Wind blows in, whole house smells like "salted fish" mkt.

Actually HDB unit installed no MCCB, only curve "B" MCB = miniature circuit breaker( only has thermal overload trip feature). There are too many cable types with different isolation(pvc, rubble, oil, paper, alu foil..)For HDB unit application, mainly use PVC which allows maximum 70 degC toralent(cont current flowing through). If "overcurrent", excessive heat will spoil the isolation dielectric feature of the pvc and therefore cause "short circuit". As rule of thumb, 2.5mmsq= 5A, 4mmsq=8A, 6mmsq=12A, 10mmsq=20A, 16mmsq=32A. The question here is HOW the cable "tapping" is done. For heater, aircon, or anything with single load type >=15A, should tap the cable directly from the output of RCCB (or throught a 20A single pole mcb, curve "B" type) to the SSO, no multidrop tapping, which is allowed in lighting. At DB, you can see some 10A, 16A, 20A single poles mcbs. 10A meant for lighting/fan, etc. 16A/20A meant for power SSOs, heater, aircon, etc. Portable heaters, these days, can go up to 2500watt(need single sso or isolator, 15/20A, min 10mmsq cable). Central storage heater (see what size in term of watt), aircon say system 3, 15A, min 6mmsq. Lighting is "multiple dropping", diveided into zone 1, zone 2, 3 etc, min 4mmsq. Fan with 56 inch blade is abt 120watt, can be treated as "lighting". Important thing is for the 13A SSOs, make sure not more than 4 ssos (single + multiple gangs) in one single loop(best at least 6mm sq). Mine used 10mmsq, i insisted.

Allow me throw u some light on "power" into hdb residential unit. - No 3-phase loads allowed. - Maximum 32A, single phase (Y,Y, B or R, S, T)allowed in a single residential unit. - All loads MUST go through MCCB(overload detection) and a ELCB (then)(for earth leakage detection), now called RCCB(housed in the incoming DB), so any single load that has earth leakage will trip the whole incoming power. - 15A 3-pin socket( a bit dangerous to me, undersized) or isolator for system 3. - 20A Isolator for system 4. Image if you draw 20A now, you left only 12A for other loads. It is not a question of 2 "compressors" not allowed, rather is the "total power" issue. You can install 2 x single system (each draw abt 8A, 230V)= 2 compressors, or you can install 3 x single system = total 24A (if 3 running at same time). "Last time" only maximum 20A MCCB/ELCB in coming DB. Now 32A. MCCB = Moulded Casing Circuit Breaker(for magnetic, thermal overload detection) The regulation is to prevent an unexpected "overload" situation in the electrical riser cables, in case all households drawing maximum of 32A at the same time(esp at night). In fact, when laying power cables to each households, there must consider the balance distribution of 3-phase power, meaning that you use red phase, you neighbour will use yellow or blue phase. These are already considered in power cable laying SCHEDULE. Without such Schedule, contractor would just "anyhow" tap the phase, therefore could couse one or 2 phases heavily in use while the 3rd phase "underload" - this causes "stresses" to power cables. I think I "talk" too much better stop here before confusion arises.

If hold true, do these correlate to preliminary conclusion of the need of gov regulation/intervention preventing s'pore image/reputation being developing into a "loose" moral country? And, can gov "intervene" the impacts that globalisation, technology, social norms/values bring upon the population, especially the 30s.? What gov "can do" & "cannot do"? Very chimp?

Sound academic, just passing out from school?

Bro Yoong posts only quality comments. He was the first one answered my first query in this forum sometime back in 2009.

MM/Sb need/demand subjects much to state's geographical and social cultural factors. - Does our country "big" enough which drive empoyees/students to rent/buy one near workplace/study institution for convienance? A "room" or a mm/sb is more economical? - Does our society promotes "singlehood" living? This is the issue that I have been talking abt, and gov is concern enough which will bring to some "social problems". With the increase rate of GenY (young working professional)being into employment (earning capacity), our "open" econ models, values...I dare to bet, there is increasing tendency of "staying alone, with partners". 2BR units for small family, or the rich single who like space for party. Work smart, play hard, party hard - genY's concept.

For bank loans, to effect any "changes", beside cpf monthly instalment(PMT), mortgagee(borrower)need to engage a pte lawyer to talk to mortgagor's lawyer for the stated intention. So, mortgagee (borrower) needs to: - Pay "lawyer fee" for the service + "penalty" if the request falls out of borrower's rights in the stipulated mortgage contract. Example: to do full redemption within lockin period, to make lumpsum partial repayment within lockin, etc, etc. - You must understand this(hdb unit): When u take a mortgage loan, meaning bank pays full to HDB "on your behalf", so bank possess the "title deed". Upon full redemption, you can either take back the title deed or remain the title deed in bank's hand (trust/trustee agreement)which requires you to pay a fee for the "trust service" - something very similar to banks' "safebox service". - Lawyer fee for full redemption is abt $500~$600. In short, You CAN do full redemption, provided u pay a "penalty sum" - usually at 1.5% of the outstanding amount. Must engage lawyer for such transaction....

At times I wonder why citizens give up hdb, while prefer to "fight" with foreigners in pte pty. Refer to citizens staying in pte pty >5 yrs without holding any hdb unit( pte-pty-only-portfolio). Anyone can enlighten me?

More than 10 yrs ago, when I genuinely stepped into and looked up for pte pty, noticed those "small" units get snapped up supper fast than those bigger ones. These days, the trend holds, what does this tell? 80% s'porean buy mm/SB. When one can't get fish, will turn to prawn, substitution?

IC, so no taxes, self-governance..back to the stone age = Stong ones survive, lol. We are in 3rd revolution or 3rd wave, 4th is forming and coming, impacts all mankind, the way they live....Remember the father of industralisation, Hendry Ford, the Taylorism who created the SUPPLY first, then increase wage from $2 to $5 to employees to stimulate the DEMAND..haizzz...long story....anyway the rise of data comm has impacted us a lot, now the bio, just wait & see. Gov's interv is deemed fit when things get "out of control". It is good to have an effective yet efficient behind-scene nanny who act "at the right time", otherwise: stong vs weak, who dies?

Quality arguments indeed. Hard to come by here, my appreciation. I went a bit "further" by telling my "anticipation" of those "social issues" that might bring upon when these shoebox unit get "more & more". How many is defined as more? I don't know. 2008 < 500, 2009 almost 1,000, 1,999 in 2010, 2,400 in 2011. These are facts. URA has imposed somethings and is watching, more may come, other pty agencies also very keen to know the consumption/resale patterns. Even got "professional paper" on sale for $14 for in depth "arguments"..... So, at this pt of time, it is premature to conclude anything. Personally "feel" that these shoebox units subject to "higher resistance to resale" in the open mkt, at least at present prevailing conditions. Another -ve comment? As I've mentioned, it is not the "size" that matters, but human is good at making use of such to make their "own convieniences" which MAY result in some BAD....I've seen too many liao. Ask cabbies for "tips" next time u board a cab. I feel should recognise each's "freewill" to express anything out of any expressed or hidden intentions as long as not flouting rules set by forum owner. Society can NEVEN be in ideal, I studied Marxism vs Communism vs Capitalism. All mankind when in the form of "community" -always in the forms of leaders vs followers, upper hand vs lower hand, rich vs poor, history tells. Among a pool of available choices, and assume that oneself can only make one choice(mutually exclusive), always exercise your judgement, study carefully, and make the "right" choice. No regret after the decision made, be self responsible. Don't "anyhow" make decision especially when being push to a corner. When policy maker (driver) make a "mistake" (interests groups exist, to each "their" own, basically)which affect the "mass" (eg all passengers in a vehicle), as a responsible co-driver(citizen), has the responsibility to wake the driver up, before all passengers fell off.....

Size itself is not the issue, just like money itself is not root of evil...... However, small sizes (less $ comparatively, easy in/out, etc)encourage and path way to "certain things".......impact social morality, personally I view this way. Kah knows( he avoid pre-conclusive statements), just he did not spell as details as I do. Will take quite sometime (probably 10yrs?) or so for the "culture" minister to collect "facts",amend rules,....by the time severe "internal injury" done. Human learns through mistakes in history, interesting, history repeats itself. So...pls see through ?Or wait & see first?. Act when necessary depending on urgency and importance. I acted and duly "performed" duty of a responsible citizen on issues like casino (act pressure to gov through church), PSLE mother tongue weight downsize (see MP and "warned" him the seriousness, feedback to PM)....

SB is meant for single or "partners", not "family necleus", must got this clear. Believed the "occupant"(mobile residents) exchange rate super fast. Universal rule applies - early entry allows easily exit. 80% buyer are singaporean. Small area = high psf price = develope gain. Put it bluntly, it is equivalent to those sizes of rooms rented out for 2-hour..., eg H81, those along Bencoolen st which got "highlighted" in the recent case of 48 men(more to come) vs 1 underaged girl. Can imagine the surrounding if whole block is with all these SBs? Go visit Geylang, balastier, bencoolen, Joo chiat, IP...u'll understand what I mean. If got chance, bring Kah, Home affairs min to visit these places.... Buy with due cares.

Be reasoning, logical yet critical. This is the sociological trend driven by "needs" conditions. - small family unit structure. - freedow in society cultural encourages youngs, unmarried, stay away from parents. - Less economical constraints = "easiler" to flip, as compared to those 2,3,4,5 beders. - Sub-urban less obvious, city/cbd/close to cbd/mrt - very obvious. - Gen X who stressed "family", is dying. - Gen Y, Z generations rising- dare to speak, freedom, individualism, "committments" to oneself only not to others. Critically? - Gov is smart and till "family-oriented" - it will do something if these shoeboxes encourage "somethings" which lead to "somethings" "no good" in the "social, community, country". The 2 forces are now in invisible power play.Let's wait & see.

Bank loan u $ for 1 simple reason-earn yr interest, provided u are creditworthiness. Bank makes sure u use the $ that lend to u to make "milk" - to make profit, not to pay "another loan". Whih company manage to get bank loan for paying dividend? It is "non productive" in nature, bank won't lend$ for doing "non-productive" - $ perceived to be hard to get back eventually. One loan serves one house.

You play badminton? One important strategy - always position one's body back centre of court aft hitting the shuttlecock, why? It allows one "within control" no matter where the next shuttlecock comes. A "centrally located" WC allow one to "do business" at one's convenience & JIT and lean. My kampong wc located quite far away from home, at night doing business inconvenient. Walk till legs pain.

Go visit those 1-room-half-hall flats. They "kiss" each other, "any problem". Go visit those landed houses, they are far apart walk here & there till yr legs pain. Fsms said "skinny ppls" bad lives. Those "fat" ones good lives, why???Small house can "kiss", big house walk till leg pain? logic?

S'pore statistic board can tell u the figure.Lol Anything refers to tangible or intangible, or both?Over 1 day? Can earn imply can save? Many "holes" in yr question.

My FBOG = 450k-124.4k = 325.6k over period of 13 yrs. Some math cal here for u to correlate to real world: PV=FV(1+r) to the power of -n PV=present value of $ = 124.4k FV= future value of $ = 450k r = annual interest rate, flat throughout 13 yrs. n= 13 yr Result, r= 10.4% for 13 yrs! S'pore's avg CPI~5% per yr. Or another way of putting it: 325600/13 = 25046.2 per yr 25046.2/12 = $2087.2/per month! Conclusion: I earned $2087.2 every month continuously for 13 years! = $1 gold coin x 2087.2 x 12 x 13 = 325,603 golden coin. $1 coin weight 16.85g, so total = 0.01685 x 325,603 = 5,486 Kg! This "bucket of gold" is very heavy! Once earned 1st bucket, easier to make 2nd, 3rd....This principle never change, no 1st bucket = no 2nd bucket....