bepgof

See if this helps. Pay attention to $ pay toward interest, the less the better. http://img9.imageshack.us/img9/3105/uobloanspreadsheet1.jpg http://img854.imageshack.us/img854/9331/uobloanspreadsheet2.jpg

Bro, save the time/trouble to visit bank. I just calculted up to 6 yrs. At end of 6th yr, u still have principal outstanding: 1. 1st package: $22,340.45, interest pay within 6 yrs will be: $8511.75 2. 2nd package: $22,254.00, interest pay within 6 yrs will be: $7915.24 Interest save = $596.51 I have an outstanding loan of abt 82k for existing resale hdb, remaining tenure ~27yr. Much cpf used up for 2nd property (top 2014). Much cash get stuck in stk mkt. Intend to clear this 82K once some stocks breakeven, at one go. Very much depend on usa's performance, QEs seem not work to expectation. Euro's 5 or 6 pigs also very weak. Middle East can anytime go unrest. Aust flooded, NZ earthquake, Japan 3-in-1. So, within 1-2 yr interest likely to be remained low. Whether with or without $500, make no difference, to me.

TPY got many foreign workers meh? Commonwealth/redhill got meh? I understood used to have quite some gansters there but they should be old already. I knew that Commonwealth MRT was one of the "under utilised" stn besides Novena and Newton. Cantoment is LKY's area, he is now got more free time to walkabout, don't play play. Klang road is in Malaysia. Singapore got only Klang lane along serangoon rd, close to "little india", sure got foreigne workers. Lavender side/boonkeng, near the mosq recent got burnt down also have some, but not as "bad" as in Kakit Bukit. The kallang river no longer that salty due to marina b closed up with dams, so need not to worry those metellic stuff get rusty. May find the dormitory locations for foreigners here: http://www.streetdirectory.com/asia_travel/travel_sites/whats_nearby/1010/dormitory/districts/

Singapore is small. Everywhere, anywhere to me almost the same, except woodland, tuas, jurong. Cantonment, redhill, commonwealth are "old men" districts in my immpression. TPY not bad, but crowded & jammed. Jellicoe seem the best among all(don't know yr criteria), close to downtown & geylang. "4 sides" are accessible.

Loan tenure?

Easy lah, "high/low" tide theory applies. High tide - all vessels get lifted up. Low tide - all go down During such, some vessels may get capsized and owners of these need to apply "water treading" skill to stay alive lor.

Got money going into pocket still yee yee ahh ahh?. Watch out for the 10% property tax. Unless send the TA for stamping, otherwise IRAS won't know the property is tenanted. If stamped, yoongf is correct.

"Energies" come in many forms. Energies transmission from one medium to another take 3 forms: Conduction, Convection and Radiation. Radiation penetrate all objects without blockage and make changes in time without ones' obvious naked eye observation. Have to ask fsms personally on HOW the salt "can help ones by its interaction with the environment". Seriously I don't how.

FS deals with mother natural, nothing more & nothing less. Mankind used to live in open space subject to rain, sun, wind + harmful beings' attacks. They found no good. Clever ones built residence on tree top to avoid harmfl beings' attack but still subjected to rain, sun, wind. Later, they moved to caves to prevent the above, but one thing shortage - air flow! So, they built house with windows & doors. Now everything have, including the stomach-issue. Creative theories & ideas started to develop. The "qi" concept is thus developed. However, what is "qi".人气，生气，怒气，闷气....etc are also "qi" Where does "qi" comes, retain and goes? Some say come from door, some say come from windows, some suggest it come from lefts! How to "retain" it? By Z physical blockage loh, as what all these fsms suggest. To retain this "qi" for what? Health? Harmony? I personally and certainly doubt so. However, personally, I would prefer to have a "foyer" at door as a "cushion" effect to outside world to maintain some privacy, same apply for the windows. Anyway, I am certain that when one's stomach is full, he will feel bore and try to find something to do.

If Open- going to be messy and need "replacement" at certain intervals. If close- one for all & all for one. Nice & unite. Worry-free.

If income tax done on seperate, then wise to "give" this income to the one who earn less. Presently I need to pay personal income of $238/per month. June 2011 till apri 2012 will be reduced to $144.88. Gov "listen" & acts very fast leh. If this were were before the GE2011, believed ruling party would have secured more votes. Sorry, getting old, like to complain.

I am born in poor family with no inheritance too. Bear footed running here & there during childhood time. Squating beside dirty drain having my "chee cheong fun". I experienced the chinese-malay riot. I treasured the present, I deeply understood what LKY has said HK can afford to fail but not singapore. No natural resources but only ppls. Basically we have great and capable leaders with far visions, only that the 3rd generation leaders suffering from sort of "retardation" in terms of understanding the ground, coordination between the ministries and taking the corrective actions fast enough. Of course, these issues are complex in nature. I started this thread not intended to discriminate the PRs, but wish to highlight serveral facts (RB has provided the data) - "foreigner" already hit 36.4% as at end 2010. (pr+non-residen)/(total) - 1,146k households with average 3.5 persons in one household. - HDB dwelling =82.4% - Average income=$7214 - Median income=$5,000 - PRS population, 541K - Non-resident Po( mobile population)= 1,305k - Citizen =3,230k Already slightly exceeded the targetted 33.3%. While moving towards 6.5mil target, gov has yet to do some "controlling" here & there, making sure no "over heated" in certain areas like housing, not to mention the public transport.... So, in my own view, best to keep public house price increase below 5% yoy. Personally "sensed" that gov is likely to do something to PRs, as one of the ways in regulating the price. But how? Remember this :No smoke without fire. Read these carefully: http://www.channelnewsasia.com/stories/singaporelocalnews/view/1079513/1/.html http://www.channelnewsasia.com/stories/singaporelocalnews/view/1016677/1/.html http://entertainment.xin.msn.com/en/radio/938live/singaporenews.aspx?cp-documentid=4322891

Bring a champagne, shake a bit, hold on to the cork and turn the bottle & pull out the cork. Shout aloud to letgo your excitement. Getting a property is a big thing in life, must shout.

It uses high rpm DC brushless moter with small propeller installed at bottom. Those openings at bottom are for air intake. So those electronic components built in there get "dusty" over a period of time.

My typo error, sorry, sorry, sorry. At times, words best left unspoken. Initially intended to leave blank for PRs & citizens to think, since you mention, let me touch on a few: - Patriotism. PR-citizen couples always face this and need to make a choice, question is when. - CPF $ withdrawal. Seem PRs are in better position than citizens. - Health care at old age - can die cannot fall sick. Children nowadays prefer keeping pets and kick parents aside. - Retirement age at 65, going to 68 soon, work, work & work till last breath, where's the dignity?

Non-citizen[Prs(10.65%)+non-residents], as of end 2010, already hit 36.4% of total population, not 1/3. Total=5,076k Citizens=3,230k PR=541k Non-residents=1,205k LKY ever mentioned HK can afford to fail and china can accomodate them. Unlike Singapore, once fails, who can earlier to "fock" first? The answer is obvious. Of course, there are many ways & means to regulate public housing price - more grants - build more - cheaper land - MOP - Loan - Foreign policy controls etc, etc A nation building never be easy, besides satisfying the within needs of residents, has to watch out for global situations and take actions to "adjust" accordingly. Primary aim towards a 6.5mil total population, is to have substitiate domestic market needs. Personally feel that PAP leaders should take more active action inviting PRs to become citizens, as to change the ratio from present's 36.4" to 33.3% as targetted. Why 33.3%, don't ask me. However, I do know that this 33.3% would be earlier to "fock" if one day singapore runs into deep s h i t. Policies can never remain unchanged. Choices often come with committments. Last Sunday invited by children's tutor for breakfast at her place in Tampines(Em). She has moved from HUDC to 5rm to present's EM. Her husband is a SPR, Geman. During breakfast, he told he has no intention to become citizen and when both get "old", will move to Germany where his parents & relatives stay.

Evidently, opp parties had missed out an important issue during rallies - inefficiency of "home address updating" by MHA. We all know that residents' home address databank is responsible by MHA(Ministry of Home Affairs). And up to this present moment, there is no "pro-active cooperation" between HDB (under MND) and MHA on home address updating for resale flat sellers & buyers. This has brought qite some problems to the buyers as highlighted in this RT. How can the 2 ministries cooperate(on hdb resale home address issue)in order to serve the people?

Sorry for confusing you on the defer payment scheme. Only DBSS & EC apply this payment scheme. Read this: http://www.hdb.gov.sg/fi10/fi10296p.nsf/PressReleases/DA4F63C348AA4B9C4825784500035F4A?OpenDocument If not seriously mistaken, payment to loan will commence once disbursement starts which is at completion day = the day you take key. Pay attention to line 15 in Annex C. Voting is compulsory in Singapore for all 21 yr old & above citizen irregard whether citizens like or not, otherwise without valid resons will be fined. Unlike, say our neighbour, Malaysia, voting is "optional"- need to register first then can vote.

Read this for Q1. http://www.straitstimes.com/STI/STIMEDIA/pdf/20100105/btoannexc.pdf you can loan up to 90% @2.6% interest rate. "Defer payment" mode applies to BTO = start monthly instalment upon completion = collect key. Can all be settled by CPF, provided yr cpf OA got enough money. Watch out for VL,minimum sum rules & various cpf rules. http://www.mom.gov.sg/newsroom/Pages/HighlightsDetails.aspx?listid=31 Just casted your GE vote for the 1st time?

Past few days hot right? It's the BEGINNING of Summer, more "radiation heat" to come! Don't be surprised. http://imageshack.us/photo/my-images/89/24jieqi2010.jpg/

For prediction to be accurate, always need some facts, phenomenon, trends, history, observation, logical analysis, understanding of the situation, etc etc. Too bad I'm not a practice lawyer, know none as to cooling day rules, however, as understand "petition" has no legal effects. Further understood that if a MP get sued and fined in court for =>more than $2,000, then has to say bye bye to parliament. http://en.wikipedia.org/wiki/Joshua_Benjamin_Jeyaretnam http://statutes.agc.gov.sg/non_version/cgi-bin/cgi_getdata.pl?actno=1999-REVED-CONST&doctitle=CONSTITUTION+OF+THE+REPUBLIC+OF+SINGAPORE%0A&date=latest&method=part&segid=931158660-001483 Read Article 45. JBJ understood singapore constitution well. Only if he were around, her head could possibly roll. Frankly speaking, a bit worry for CSM.

From angle of justice & equality which applicable to all citizens (PRs ??), these "solid lines" ought to be drawn, whether the "1st timer" is young or old, poor or rich. This is where/how I look at it. The issue(poly/U) you raised relate to "affordability". "Pay slip" & IR8A form are the "yardsticks" for measuring earning power of those employed class. Many young ones esp u graduates kena the "ceiling" problems. They have to turn to resale or pte.

Singapore has been praised for its efficiency and effectiveness but I see none at all between MND & Home Affairs with regards to HDB address issue. - HDB should hold some amount from sellers, until he produce proof that address has been updated on his( and all occupiers)ICs. The same applies to the buyers. This helps solve many unwanted unhappy events. - Details need to be ironed out, but sure not from me, as I'm paying personal income tax of $238/per month. Unless gov absorb or waive off this amount... - Any kind soul have any idea in mind?

I mentioned earlier, MND has to draw "some solid lines" as to public housing policy. - Salary ceiling capping issue, should there be any capping to all citizens who are "1st timer"? Need to have a SOLID line for this.

Let's see the 45-day episode happened 20 year ago will happen again or not. http://sg.news.yahoo.com/blogs/singaporescene/wp-low-calls-smooth-aljunied-handover-111816314.html