bepgof

Uncle me old liao, always "get mixed up" with rule changes, need some brain deframentation liao. Thank for highlighting, you could be correct abt the 1st LTV ratio. It looks the unit has to be located in OCR. 900k/1700 = $529.4 psf already a very conservative estimation.

I always shoot fast and shoot the correct targets. I always remind myself to do RIGHT things first and DO it RIGHT with all yr mind with all yr strength. Instead of doing the WRONG things in the beginning and do untill swee swee, and then.... nat0206 mentioned 5k deposit to management by this guy, na0206 also mentoned "condo" but no "HDB". Assuming nat0206 is a "she". She merely stating her THIRD LESSON learnt and suggesting readers to neg and follow payment terms, she even listed 1=10%,2=35%,3,4,5....but she "seem" not following, why???

See so many replies make my hands itchy again. I don't mind to be a KPO and a "bad guy" here. Let's look at some details. 1. nat0206, I supposed u're a singaporean and married. Assuming this is yr 1st loan, so u are allowed to take up 70% mortgage loan. Out of the first 30%, 5% has to be cash and stamp duty of (3%-5,400) has to be cash(can reimburse back later by cpf), the rest can be of cpf. 2. 1,700 sqf=158sqm, let say the unit is very "run down", I expect it would cost at least 900k. 3. 900k x 30% = 270k, 3%-5,400 of 900k = 21.6K, reno = 56K. Total = 347.6k. Well, considered super rich at age of 27, assuming no parental financial support. 4. Free tiolet bowl(nothing), free 36"TV(something), free downlight(presume u've worked out number of pts), are u a young working professional? Do u konw the cost of these??? 5. No breakdown of items and respective items cost? No payment terms being discussed b4 hand? Then what "contract" u have signed with him?. Would you mind "help" to clear the doubts?

As what I've guessed. I'm 20 yr older than u. Learning to be wiser is a process which has no end. My heart has been broken many times which leave many "scars". To be frank, only old broken hearts could comfort young broken hearts. Old broken heart could understand how the broken spirit/heart makes the bone dry. Please, walk straight, stand up and lift up yr head, tmr yet to be continued. Believe me, monetary stuff is "small" thing in life, money can never be earned enough! - Bear in mind; Small claim amount maximun is $20,000 AND the "defendent" must be willing to appear in court, otherwise, the Tribunals has no power to enforce and grant money order. - Police statement is a waste of resources for both parties, unless proven a must then worth carry on. - Ask yrself this: how much can be get back from him, then the next action. To be frank, through legal means take time, by the time an Order is given, all already half-dead. - Pm me if you wish; I can recommend u an ID whom I've known since 2006 and she has done up my condo & 1 hdb 5rm.

That was why I shared my "stupidity acts" to make ppls here smarter and wiser. Back to basic, I couldn't help believing into a bachelor holder could sign a reno contract ended into "such a stage". Believed the story has been somehow being "distorted", want ot bet?. No point to start with saying: " sorry to hear this or that.." I've passed out from school long long long time ago (btw I'll be going back to school in coming Jan 2012 again)I'm frank, blunt and direct nd most importantly, speak my mind. Aim and hit, wouldn't want to waste any bullet anymore, have been wasted a lot liao. You've missed my words of comfort.

Options: 1. Police, small claim, lawyer, etc etc....all these take time, money & energy, unless you want to have a "head-on" with him.... 2. Read yr contract line by line, clause by clause. Cancellation of contract "half way" will need one to pay WIP, MOL and 15% of total contractual amount, usually. 3. Pray hard and arm with you an empowered rod, like Mosses and David did, make the impossible become possible. Words of comfort: No pains no gains. Only through pains one grows.

For out of the heart come evil thoughts, the taking of life, broken faith between the married, unclean desires of the flesh, taking of property, false witness, bitter words: These are the things which make a man unclean; but to take food with unwashed hands does not make a man unclean. The same applies to "objects". Sound familiar?

Ah muay ooh, seem like you have not "walked in" to any PP or PS to make statements before. SPF "in charges" of "criminals" only. They are super good at only "making statement" and then politely advise you to engage a lawyer to "fight" to get back what u deem supposed to be yours, understand? Let me share my "story" with u on SPF: 1. Many yrs ago, car kena breakin, made P report, took photo, kena called up and being "interview" a few times. In the end - no culprit caught, only wasted my precise time. 2. Abt 4yrs ago, company goods get stolen, made P report, this time "heng" only kena "interviewed" via phone a few time. In the end, they never visit the "crime scene" and no culprit caught. Everything like a gust of wind, comes from no where & goes to no where. 3. Just abt 4 months back, pasted a noted on ppl's car windscreen to remind him to park his car properly next time, with my mobile no & car plate no on the note. Received his car asked WHY I pasted the note. Quickly rushed down, his car no more there, but my car got 2 long scratches. So, made P report again with his mobile no and car plate no stating in the statement, eventually??? Wasted my time again, luckily this time, no "interview". P asked me: did u see with yr naked eye he scratched yr car.

1st thing come to my mind: How old 're u? 2nd thing: doing master programme, meaning that must have completed bachelor degree, right? Trying to write a master thesis? Seemed resources spent in getting bachelor has been wasted. Never mind, here is Warren Eward Beffet's 10 rules. Old man is always wiser. http://www.corporateservicecenter.com/nevada-inc-whitepapers_files/buffet_rules_2_success.php On top of that, he has one unwritten rule: "The second rule is not to forget the 1st rule."

Cherries are reap, quickly pickup. Early birds come first. http://img220.imageshack.us/img220/1202/nonamelu.jpg

Learn first to flip, then crawl, follow by walk, run then fly, finally free fall. No short cut or quick fix. Trade local first. Open CDP account, open trading account with respective trading houses (mine is UOB kay Hian), sign cpf form for standby to activate cpf form. Link your prefer bank account(s) for different currencies with trading house for internet EPS $$$ transfer. Poems seem to be the best with access to oversea platforms. Remember, broker will always impose a "maximum cap" on your account if your status is new. Trading oversea stocks is indifferent to purchasing oversea properties. http://www.poems.com.sg/globalmarkets/global.html Happy trading.

Young hearts don't appreciate and understand broken hearts. Only broken hearts can comfort young hearts. Once damged, can never be "healed", scars always there liao. Why law of nature is set in this way? Why the "pains" are always beautiful? Anyone?

Why trouble the "troubles"?. When only "troubles" trouble you, then, trouble the "troubles". When in no trouble, don't look for "troubles".

I prefer HEART, once story told and marked, can never be ereased. EARS? 1 in 1 out. Nothing stays. No more and no less.

Last friday he reply to my sms a email on bazi consultation. Compre anal $269,sch on 30/9 or 6/10 730pm. I think I cannot take the impacts & turn dn the offer yst.

Crystal is just merely a toy. So long as the fan does not drop onto yr body & cause injury, otherwise it should be fine.

Talk abt nuclear plant, ha ha, I'm in energy trade. I have been to South Korean 14 times and have visited the Yeonggwang Nuclear Power Plant 2 times, of course not staying overnight "inside" there. But got stayed in korean's hospital 1D1N before - got electric shock and fainted during work in power stn there. Singapore's 3 power plants - Tuas, Senoko, pulau seraya visited until I lost count liao.

To be frank, have been to more than 30 countries, saw and stayed in all sort of hotel/motel and living quarters, stayed oil rig platforms in the middle of sea, boat cabin onboard parked parked & decked in middle of river in Brazilian jungle, camped at various parks and mountains....... There is no one place as safe, as secure, than the place we called "home". Put some weight at the bottom lah. I've been to many hotels, see many different kinds of showering curtain... Tell you one "secret", my home's storeroom has no door, only a pull up/dowm blind.

Feel like crying, but...deep in heart bear the old teaching says guys can bleed cannot cry....how huh? Women always make men cry, care to lend me your shoulder...

A pull-push water-proof curtain the most economical!Good idea right?

Go here: http://www.ifaq.gov.sg/sla/apps/fcd_faqmain.aspx?qst=2fN7e274RAp%2bbUzLdEL%2fmCxs7iwcgv8gv2atNDOvsLBReUU6JD%2faJXfFK9Y92racPWuHHdkYbv8oUA%2ba7VAFFzL1RW8eaoLmdATdjldJkm3FvQyHjYZ88nz4d19HR2RAwh1dx%2brjpm2JdVvcWTQ1YNGZoBCXn8AtFOl0xqfAOoYy8Wergs3wyFxVR%2by16Tw2lDuwpaz7Nb%2bLfXhvwnz5ViVzQLnfME5uo0E4MGM%2b51MNR7fUdU0aeQ%3d%3d key in "caveat lodge", then read, will give you some light.

My dearest good sis, don't like that lah, sincerely appreciate your kindness. The "like" must be from the "heart" then it is meaningful. Just like only through "pains" which can make a person really grow. And the "pains" must leave a mark in the heart which is then meaningful. This is the law of universe. Frankly speaking, I got so many accts, so many what user names, paswwords/pin to remember. Nevermind, every 3 months prompt to change password/pin, change until I blur blur. My little brain tabolah tahan.

Ya lor, still feel bo song abt the administrator, but when think of all of you, make me happpy again le.