bepgof

I didn't delect yours, I don't know who did. Before I delected nimm12's, I have given him written "reminder". He chosen to ignore, I merely acted. Today, I sent him a last gentle reminder. http://www.renotalk.com/forum/index.php?showtopic=41865&view=findpost&p=651190

Dearest nimm12, last gentle reminder, mind words used towards he who writes.

Animals' happy hours? Animals advertisement time?

下下= worst,bad, inferior...... 上上= excellent, best...... 策 = policy, plan, strategy, action..... Putting things above bedhead is bad policy, best strategy is not to put anything above bedhead. Have not met him, exchanged emails a few times. Believed some posts here were not real happenings. As godloveyou/BK88 mentioned: no "magic"/"hocus pocus" in real life. Magic = human-manipulated tricks = not real. Had put up the wedding photo (big) in MBR for 13 yrs, after wed. Cold stored in cabinet after moving home. Anyway, got 2 small frames next to bedhead (husband, wife + 2 children). Got digital photo frame put up on TV console. Turn on only when got guess visit. Noticed: Wife sometimes turns it on and sit in front and watch!. I hardly watch.

Do right first: Put plants at right place for its survival, not put at "place for FS". Unless it is artificial type, then anywhere as one deems fit. Anyway, only a few "places" to put potted plants in HDB/apartment environment: Door entrance, windows edges, balcony....can put on floor, table, nail/hang onto wall, ceiling drop-down.....

I've intentionally delected 2-3 posts by nimm12. If he carries on in this manner(have to read his posts in other threads), I would recommend Admin to block this user name. Of course he can create another user name....

"Gods" are "spiritual beings" who can appear in any forms (to human's eye or brain), or possess and reside in ANY materials whether wood, porcelain, paper, metal..........This is bepgof's belief. Edenstrauss was saying human are "see-to-remember" creatures and whether a picture or a statue makes indifference, but there are various practices of the religious acts, and most commoners requie some forms of materials like a picture or a statue to remind the worshippers of the presence of the Gods. Need to use "spirit/heart" to worship God, since God itself is a spirit = 无所不在，无所不知，无所不能。It needs no materials but "hearts" from human being for worshipping. "Hearts" translate into good acts. That is why there is a saying: 人在作"天"在开。We are at all times being monitored!

Some points worth considering: - Pty transaction takes 8-10 weeks to complete. - HDB resale, from submission of resale application to 2nd appt(completion)take 12-14 weeks. - 3 months rental is too short, i think, should always consider "worst case" scenario = 6 month rental. - Discard/sell those bulk items before moving to rental. - Know actually WHEN is the completion date for pty first. - 2-3 week before completion can start the "search" for resale, learn skills of various aspects wrt home searching during such. Very interesting & rewarding, I assure you. - learn & play delay tactics if found love home while waiting $$ to come ino pocket/account. - Create spreadsheets, build formular, key in figures as to those items need CASH, prepare a few scenarios. Have Big picture first, then zoom in/out to pictures-within-pictures. - Got kids?

Use of nail of whereever size is 下下之策, 上上之策 is not to put anything above bedhead.

I "merged" the topics as one. RT is getting like "rojak", my "duty" as moderator to do "spring cleaning".

1. Need to sell pty within 6 months after completion of resale HDB. 2. Cash needed for resale: 2-1. COV(0-100K??),broker fee(1%), booking fee+OTP ($5K),valuation rpt($180), stamp duty (3%-5,400)(cash first then reimburse from cpf), reno($$$?), downpayment (5%-5K)utilities account deposits($$$?)etc 2-2 LTV(70% for 1st loan, 60% for 2nd loan) 3. Bridging loan validity usually 6 months. Abt 14% interest monthly-rest (not yearly!) 4. 50K cash can pay for COV only. May be not enough! 5. If insist to "downgrade" , ONLY sell, rent, buy is the option to you.

So cacti good for FS right? I culativated cacti are for "hobby" not for fs. Only "angmoh" books or web mentioned cacti as "cures" for arrow, blade....ancient chinese fs scripts mentioned no "cacti" but got mentioned: "shu da chow feng".= Big trees "invite" wind, same as angmoh's "honey attracts bees". Tip: To keep cacti in local climate, best maintain "neck"(portion between above & underneath soil)of cacti dry by putting some small pebble around the "neck". Use NPK solution as food. Dormant period ~ Octber to Jan (lessen watering interval)ok?

Haha, beam on top get "pressed", 2 pc beneath the back get back-ach? divorce?.....better use imgination in somewhere else.

These stars are super-best-multiple role-award winners for "any role for bad fs". It can act as: -Bad virus/bacterias/cancer within human body. - All the "rock" sailing in life, retrenchment, divorce, this one die that one mati, icu, sicu, business fail, quarrel, meet many siao ren in workplace......All the "Bad" ones. Anyway, no "bad" ones where got "good" ones?

Break or no break???. Pls make up the mind. http://sbr.com.sg/markets-investing/news/no-more-breaks-sgx

http://www.renotalk.com/forum/index.php?showtopic=39806&view=findpost&p=627921 http://www.renotalk.com/forum/index.php?showtopic=39806&view=findpost&p=628378 "What" to audit comes first. - landform, qi flow, color, wu xing setup,lighting, positioning of so many things....xuankong technique.... - Question come: posible to do all these while ex-owner/tenant are in? No reno yet.No positioning of these & that... My answer : "others".

Other races and non-taoism religion believers have been doing such. If you feel "pressures" from within or from others, of doing this in this month, then reschedule. Principle: 心安事成

Mind your words....

Can switch from hdb to bank but not bank to hdb. Q: I have just become a Singapore Citizen. Can I refinance the bank loan on my current flat and apply for an HDB loan? [ Living in HDB Flats > Servicing Your Mortgage Loan > Mortgage Loan Payments ] A: If you have taken bank loans for the purchase of your flat, you cannot refinance the bank loan with a HDB loan, whether you are a Singapore Permanent Resident or a Singapore Citizen. You can however enjoy the HDB concessionary loan when: (a) you next purchase an HDB flat, or (b) you transfer ownership of your current flat.

Citigroup hold different opinion, let see what it says: Published 28 June 2011 The Business Times By Uma Shankari It says scenario is not likely to happen in 2013/14, citing 'severe shortage' Citigroup believes that the expected surge in the supply of new HDB flats and private homes over the next few years will not lead to a housing glut in 2013 and 2014 - a view that is contrary to that held by most other analysts. The bank's property analysts also said in a new report that the current 'severe shortage' of HDB flats is likely to provide support for mass-market prices and demand. This is again different from most analysts' predictions that a step-up in HDB supply will dampen demand for mass-market private homes and hit prices in the segment. 'We believe the prolonged period of under-building in the 2000s has resulted in the current severe housing shortage,' wrote Citi's property analysts, led by Wendy Koh, in their June 26 report. 'We estimate that the deficit in housing units is in excess of 50,000 currently and this undersupply situation will likely take several years to clear, just like the oversupply situation in the early 2000s.' 'With a severe shortage, we are not overly concerned about the rise in supply in both HDB and private residential units . . . A housing glut in 2013/14 is an unlikely scenario, based on our estimates.' Citi's estimates show that the upcoming HDB supply and the potential increase in the income ceiling for new HDB flats will reduce HDB resale transactions by 7-15 per cent at most. The impact on the private property market would be even smaller, Citi reckons. Ms Koh also said that the undersupply situation in the HDB market will support demand for and prices of suburban mass-market homes. 'Occupancy rate for mass-market properties are at an all-time high of 97.5 per cent. With yields averaging at around 4.2 per cent versus mortgage rates of just between 1.2-1.6 per cent, investment demand for small units and mass-market units could remain strong,' Ms Koh said. However, the report cautioned that any further price increase or spike in volume in the mass-market segment risks more property measures as the government is monitoring the market closely. Citi's views are a departure from the prevailing industry consensus that a housing glut is likely. CIMB analyst Donald Chua, for example, said that 'looming oversupply' from both the private and HDB markets is a big worry for the sector. 'We believe an oversupply situation is looming, going by rising private and HDB physical completions and expectations of a less liberal immigration policy,' Mr Chua said in a note last week. 'Population growth, if it normalises to 65,000- 80,000 per year (from around 162,000 annually in 2006-2011), implies a mere 20,300 units of incremental demand, based on 3.5 persons per household. This would not be sufficient to absorb net supply (HDB and private) of 33,300 units per year, on our estimates. Morgan Stanley also recently said that it continues to see a risk of oversupply in terms of physical completion and units available for sale, and expects residential prices to fall by about 7 per cent over the next two years. Citi's analysts were more negative on the outlook for high-end and luxury homes as well as the office market. Demand for high-end homes is likely to remain lacklustre given the uncertain global economic outlook and the strong rental competition among newly completed units, Citi said. 'We believe rental for the high-end segment has probably peaked and downside risks outweigh upside risk in the coming 6-12 months,' said Ms Koh. 'The current rental yields averaging at 2.4 per cent provides very little room for further yield compression.' However, as long as interest rates remain at current low levels, prices are likely to hold, she added. And in the office market, Citi's report said that competition for tenants is likely to intensify as around one million square feet of new space that will be completed this year is still uncommitted. 'Leasing activities have slowed and major financial institutions appear to have satisfied their space needs,' Citi said. 'Rental rates are likely to flatten out, and capital values are likely to have peaked.'

This line is more than just common sense. Human are needs-drive. Different ppls have different needs, no such thing as "lousy locations". A man of sound mind would not have raised challenge to "swop" "similar" houses in different locations without considerations.

Thou u are smart alex to provide more "non common sense" insights into this loan package/market sentiment for this OCR condo which TOP in 2015. Which bank so "desperate/daring" to provide such package? Reasons behind? Singapore industrial output plunge 17.5%yoy May. France prefers Greece's debts/bonds to be delayed. etc etc.....

Singtel: East Coast become Indonesia, Tuas becomes part of Malaysia. M1: Changi South Business park, base station coverage weak, msg get super delayed.

Common sense answer.

Rule of thumb: If you've just bought the house and system installed > 5 years, better take this chance to change the system & piping while doing reno.