bepgof

怪事年年有,今年特别多。

大丈夫, 一言既出,驷马难追。Actualise a promise make a person "upright", 共勉之。 I supposed the "build in oven" appeared in the valuation report as "form of picture", instead of "itemise description", correct?.

Wife is an "Office Lady", good at making phone calls. Those were what she said to me. Loan doc says need 3 months advance notice for full redemption, and clause 10.2 says borrower/mortgagor needs to pay back bank the "legal fee" which I "enjoyed" earlier on which amounting to 4% of total loan amount or up a maximum of $2K, if redemption is made within 3 years from the date of 1st disbursement which was on 29/12/2009. I'd prefer to pay $2k instead of $2.4K(1 yr's interest payment, based on my existing loan tenure, OS and interest rate)if I were to wait till 3 yr expiration(29/12/2012). Robert Kuok's proposal of buying back all th Allgreen shares pays this.

From windows of my 23th floor, I can see(face?): cars MRT trains Vessels Aeroplanes very enjoyable and relaxing.

So many here, prove her wrong(page 11). http://www.etsy.com/search?q=windchime&page=1

I got no money no money but you. "mirage" = "floating" in the air = everyday living in dream, how can? Still got 2 loans. Trying to redeem the HDB one first within next month. You got back your title deed? Called up PKWA, $600 inclusive gst. Matthew Chiong parnership, $550, inclusive gst. TH Tan Raymond & co - closed shop liao. JC Ho & Kang LLC - reception very "rude",keep probing like machine gun, hang the call half way.

Tools which Khaw uses so far: - Build To Order (must fulfill 70% application then build) has become "Build first, take order later". I like Lim Kim San( 林金山)style. Aim, shoot, report. MBT style: report, report, report.

Try this: http://condo.singaporeexpats.com/condo-details-MIRAGE-TOWER.htm

There are quite a few variables to be considered in the cal, so I fixed some for easy cal: 1. OA: 20K, 2.5% interest 2. OS loan 1: 80K, 2.6% interest 3. OS loan 2: 100K, 2.6% interest 4. Loan tenure: 1 yr 5. Loan tenure: 4 yr Assume u have left 1 yr to clear the loan: - OA would earn you $272 for 12 months - 80K loan(1yr)would incur $1131 interest for same period - 100K loan(1yr)would incur $1414 for 12 months Conclusion: If you keep 20k remains in OA, you would loss (1414-1131)-272 = $11 over 1yr. Assume u have left 4 yr to clear the loan: - OA would earn you $1037 for 4yr - 80K loan(4yr)would incur $4319 interest for 4 yr - 100K loan(4yr)would incur $5398 for 4 yr Conclusion: If you keep 20k remains in OA, you would loss (5398-4319)-1037 = $42 over 4yr. Follow above's "format", u can work out the real situations for comparison http://www.cpf.gov.sg/cpfhsg/Hsg_totInt_calc.asp?src=#results Note: CPF OA's interest is calculated based on monthly rest (principal + interest) each month and repeat, whereas those banks' FD is yearly rest.

Not an issue as long as the pit is movable and those smoke, smell, oil stuff generated are "self contained". I've once kena a "black & white" from MC for "inappropriate usage" of bbq pit space for boiling big pot of water (for boiling abt 20 rice dumpings at one go), and unauthorised shifting of shading umbrella. Unhappy abt the letter, paid $50 to get a NEA weather report as proof of rain, at certain day/time for certain station/location, called up MA and MC, and sat in the monthly meeting about what was deemed "appropraite usage" of bbq pit and in certain day/time, no member of MC was available to give consent to shift certain "common property"......

Let u see BIG pictures, as you like it: To be effective & efficiencient in preventive & corrective jobs, "fix-it" man needs use of "proper tools". Specific tools are designed & used for specificed jobs, however, at time, "this" tool can be used for "that" job but outcome not as desired. Preventive is always better than corrective, in any situations. Senior Khaw has classified the "problem" into short/middle/long terms, and he also has identified three groups of ppls have "short term" needs. He is going to fix this first. What "tools" will he use? MBT has used tools like MOP, seller stamp, loan-value-ratio. He has thought of using the tool of "income ceiling", but does not has the opportunity of using it. Complicated jobs need complicated tools. Tool user must be proficient in using such as well, otherwise.....

- Increase in GFA, no approval. http://www.corenet.gov.sg/einfo/circulars/htmlandpdf/URA_19990303010.pdf - Permanet "fixture" which cast shadow, no approval. So, Just make whateven "house" you call, be "movable", transparent/net/transluscent covering & no solid shadow cast. Read URA's "strata living", around page 5-7, if I recall correctly.

Resale, new completed or under construction = 5% cash, remaining 35% cash or cpf. - Take note of cpf's MMS rule. - For unit under construction - progressive payment mode, the % in various stages have changed due to loan's rule change, do take note. - Resale (1% to exchange for OTP, 4% after exercise OTP) - Stamp duty MUST BE paid in CASH first, then reimburse back from CPF OA (need to apply for) - Agent's comm for resale. Buy directly from developers, no comm. Slightly complicated for unit under construction( OTP, S&P, Deed of assignment, etc etc), loan disbursement amount varies at different stages.....Hope above clear your doubts.

This should be the way, believed all think likewise, tio bo?

You lor.

Precisely! Especially during 2005-2008.

Junior Khaw finally show some "true color".

2.6% is charged toward "outstanding loan principal". Wise to use OA to reduce this "outstanding loan principal" as less as possible.

Bro, nice to see u here agin. Haven't sold your & I haven't redeemed my loan, same same. Just called up PKWA this morning to make full redemption, wow, legal fee $600. Europe, US, middle East... big issue will just happen anytime. The west now comes to east. Personally feel, not worth to buy resale pte now. Unless those ulu ulu areas with FH. But new pte's psf price also high leh.

There is no "right" or "wrong", only " swee bo swee" & "practical or not" issues. When talking abt fans, - should avoid short circulation of air: "amber space for (air in) and (air out)", some distance away between the 2. Putting "air in" at conjected/small space = waste electricity = air flow efficiency drop. Pressure difference = minimum. - Ceiling fan's function is to "ventilate" the air in the designated are, not meant to have "breeze". - If want to have breeze, can always install ceiling-mounted "blower fan", long body, rc controlled rotation, up/down, concentrated "beam of air". - So for typical ceiling fan with blades, always install at the "centre" of the designated area.

Done 70 lots at $1.59 liao.

It is abt share buy-back at $1.60 by Kuok family who presently hold some 55% allgreen shares in various companies. If action done, allgreen will be "disappear" from stock exchange. Tading halted yesterday, the news quite a suprise to me. I'm layal to this co, presently still holding 70 lots, average cost at $1.209 per share. Life is like that, many uncertainies. Good things happen onto one is called "luck", bad things happen is called "no luck"?? Or loyalty pays? Having been watching & waiting to let go some shares to get back cash, but the mkt is siao siao, very violatile for the past few months, all because of the USA, Europe, middle east, North Korea, Japan, China. High inflation rate with low interest, "property" become a target for money. Big shots like Soros already started "dumping" Gold. SGD getting stronger vs Euro USD. RMB sets to be 3rd global currenency, etc etc. Must always pull the "antenna" long long, eye big big, brain think fast fast, hands & legs act quick quick, very tired indeed.

Today Allgreen halted its trading, because of big news: http://theedgesingap...eal-update.html http://info.sgx.com/...pdf?openelement If this goes through, HOSAYLIAO. Immediately will redeem one of my mortgage loans.

Mine at ECTC, 5 room ($66), carpark $63.70. http://www.ectc.org.sg/scc.html Previously(end 2009)paid $370/per mnth for "maintenain fee" for a 1297sq ft condo unit of total 232 units with "full facilities".