bepgof

Ｔｉｏ　ｌａｈ　ｂｒｏ．

Former RI boy, drove part-time taxi.....very "CAN". "Seow" cars till so seow. Why go into trade unfamilar = digging grave for ownself.

Bad fs if lighting - burns you a hole in pocket (material + electricity+maintenance) - make you giddy giddy - cast shadows here & there Good fs ? ?

TMC all this while low vol. Peter Lim buys then wrong sperm case reported. Heard TMC got parking problem & PL loves cars so much..... Buy football not sucessful them buy "hospital", then "wrong sperm case" appeared. How much he knows abt health cares? May be he already got lobang, Brunei lah, Middle East lah, all those "kings" have been very interested in Singapore's health care industry.....so don't be surprised he'll sell away his stake in short time. Believed he was aware the wrong sperm case long before his offer.

古龙 粱羽生 Ah hia, if read for pleasure, go library and borrow can liao. - Workbook, must buy. - Those "reference books", must buy. I'm not kidding, reading "ancient sword fighting story book" like those by 古龙, 粱羽生.... improve chinese literacy very fast, same time understand some history. I could remember phrases like these: - 高手一出手就知有没有。 - 怪事年年有，今年特别多。

1. As what u said. Many other things can "hide" cables too. 2. Follow trend. Monkey see monkey do. 3. Swee. Subjective. 4. Feature wall makes TV set "outstanding". So so 5. Feature wall contains "features" which make hall/room "outstanding" as compared to only plain walls.

May be can learn something from Dennis Ng: http://www.masteryourfinance.com/web/index...75&Itemid=1 Dennis Ng is also the founder of leading mortgage consultancy firm: http://www.housingloansg.com/web/

About valuation... Among the 3, Market data approach is most frequently used in residential value appraisal, there is one main drawback for this market data approach: If seller is under certain pressure, or under auction, to sell house "cheap", the "cheap record" will be "integrated" in the future appraisal. This applies to when there is an econ downturn and sellers "desperate" for $, then valuation wil be down. Pray hard LKY still healthy & LSL can steer the vehicle steadily slowly uphill, if downhill drive, make sure be the first to jump hor. Hope this throws some light as to the "valuation up or down" doubt.

Everybody with me also buddy buddy leh , then got many 贵人mah. 万事和为贵, correct? Peiseh, I read Fourseason mentioned Master Chang put "salt in tupperware", thought fourseason made up story mah. How can "salt" be kept in tupperware? All become liquid liao! Tossing coins and walked one round then knew the woody thing, appeared to be very amazing to me also. I believed should have some form of communication took place between the "being" & Master Chang. My understanding of "devil spirit" or "being" is such that its occupying the space always come with certain "purposes", and such "beings" have supernatural power and cannot be "destroyed", can only be asked to go away, and they know one's past doings. In other words, "requestor" has to be "holy" enough, otherwise, all those sinful past doings kena exposed out, how? Later added:Note: I'm a baptised christian since 1992, I've personally heard some Reverends testifying their encounters on exorcism. Before 1980, I did interact with those "mediums"...long story..

What about as a dart board?

Bro, you import from indonesia your own? - This kind of "raw" section-cutting from trunk, only "raw" legs fit to support it. - Usually need wood-drill bit (big diameter wood cutter, round ) to make 3 shallow holes at bottom. - Insert the "raw" legs. - Leg between leg need reinforcement. - Should surf net to get some pictures for idea first - This sort of table suit to be put under big tree, with stools, then drink coffee - Or, just go to roadside and get a tree branch(make sure big & solid enough)and saw into raw legs. Let dry. - Long time no handon on wood stuff, I got no confidence to do DIY, unless got space & necessary tool and time. - How big is the diameter of this "table"? - I don't use cofee table at home since 1st baby arrived , some 15 years ago already, found obstructing. - I have a "wooden pen holder" in Y-shape, cut and made from a roadside tree trunk, when I was 16 year old doing part-time job during school holiday, helping out classmate's father at construction site, constructing wood structure to build drainage then pour cement into....touch job builds touch character. - Or can use this as "chopping board"?

Nice mirror! Double food sure nice.

Reply just received from Master Chang: Thanks for waiting. Yes, the description fits a case about 2 weeks ago. 10 and 19 Oct are dates which I use for special consultation. Anything else I can help? Rgds Chang

Warren Buffet + George Soros + Jim Rogers. http://www.masteryourfinance.com/web/index...74&Itemid=1 Firstly, ALL of them, neither Buffett, nor Soros nor Rogers care about what other people think. That’s one of their real strengths. Nor do they care what the markets will or won’t do. The bottom line is that Soros, Buffett and Rogers have demonstrated time and again that they’ll only make a move when they’re darned good and ready - when they’ve done all they can to scope out the situation at hand, and done everything possible to make sure that the percentages are in their favor. That, alone, is a terrific lesson for retail investors to learn. Wall Street tries to push investors into action with advertisements that portray “real” people making trades from their kitchens, or getting the latest quotes on their mobile phones. They show attractive retired couples who’ve achieved their dreams with big sailboats, or antique cars, or on expensive vacations. Ignore those messages and you’ve effectively elbowed aside the artificial sense of urgency that Wall Street is trying to create. Not only is this manufactured urgency designed to separate more of you from your money, but they wouldn’t do it if they knew that most investors got it “right” more often than they got it wrong. Buffett, Soros and Rogers act only when they believe the time is right. Buffett has referred to this as waiting for the Sunday pitch. If you’ve never heard that term before, it’s one that dictates extreme patience while all the spitballs, knucklers and sliders go by. You only take action when the one pitch you know you can hit out of the park is on its way - then you swing from the heels, giving it all your effort.

Bro, few time of what? Don't scare me leh, my heart is getting weaker. Just did a calculation from 1% to 5% interest increase with curve, a bit hyperbolic, but still considered straight with tangent of abt 30 deg (agar agar). http://img29.imageshack.us/img29/9991/loan...teffecpage1.jpg

On account of staying in same town, here impart you some skills learnt through observation and practice: Skill#1: Whether self-emplyed or employed, chiong and work & work (full + part time)like COW as what Therat did for the past 25 years and do a full redeemption at 2nd appointment. Skill#2. Using spreadsheet, do a 5-10 year cpf OA projection and look at yearly accumulated sum column and make own's slyvia drips. There you'll know "how far" you are away from the "dream". Skill#3: Dig your spouse's pocket monthly! This one must learn. Skill#4: Keep all cash, dump all cpf OA into property(55 year old too far to reach)Cash for 20% or 30% downpayment for mortgage loans for new house + COV + loan + reno + annual holidays Skill$5: Do weekly subscription to Singapore pools, make sure to do a one-time withdrawal of past deposits + "interest" + "capital gain". :dribble:Note: personally I don't practice skill#5, wife practises skill#3 and I'm happy to comply, why?)

Huh, want to become property trader?, don't play play, IRAS is watching. 守得云开见天日

You are "tio" liao. Just meant to share views only. Husky, my appology for the harsh words used. Again, to share: From what Husky wrote, I'm aware he did some serious calculations and personally I "buy" the idea of 50% of (debt/total property price), thought gov sets rules for 80% for 1st loan & 70% for subsequent. Setting another 5% for stamp duty/brokage fee is also correct. MBT's "home affordability" ratio of 35% ~40% of (loan/Disposable Income)also a clear & good yardstick for commoner. Last but not least, if i've 1.6mil (assumed I already have a roof over my head), I wouuld adopt Plato's 20%:80% rule, i,e keep $320k in somewhere liquid enough for the "unexpected" and "dump" $1.28mil into property with the 50% gearing ratio, as i'm more kiasi not kiasu. If "su", can start new game again, if "si" meaning game over.

Don't worry, I've this morning sent Master Change an email to confirm if he was there during such..., hopefully he'll reply. I very kpo right?

Ok lah, declared you the CHAMPION of $1.6mil property investment "consultant" with great theories on PAPER, and, without considering stamp duty and brokage fees payable. Tokong, tio bo?

Aiyo, you come out again, i though yor're supposed to "show hand", still paper-talking abt the 1.6mil? 1. I anytime can clear the 84k, but will kena penalty thus hold me back. I can "inject" additional 180k cash anytime into the F/H. But developer has to follow the rule of game of progressive payment mode. The ground not even cleared, now. If clear 84K+180K = 264K, total loan will be 886.4k-264k = 622.4k, & loan/property gearing ratio would be at 40.9%. Win you liao (paper talk only) Further more, which property buyers in singapore need not to pay stamp duty, brokage fee & legal fee? Ah kong also need to pay! Not to mention you. Like that, you can use only abt 1.5mil to buy 3 properties le. a. I've told you, my head very small, can afford only mickey mouse, if get a big big penhouse then difficult to sell later, how? Cry huh? Or you want to buy from me? b. If I were to get rental yield quick, I would have chiong and get a resale apartment much ealier on liao. Why I didn't? Why I chiong and got a VVIP price? You can make a guess. But no present for right answer hor. c. Initially (before buying)I also "concerned" about the pty age, told wife, she replied: pass down to children and let government to worry. I paid booking and exercised otp on the same day of viewing. 2. CPF OA is not money and not "real"? Just want to show u "how big" is my umbrella. a. Didn't I mention the 180K is "purely" for the little mickey mouse f/h? I've separate accounts for other financial liabilities, i've a few sets of umbrellas, thanks for your concerns. b. My stock portfolio here, otherwise, you might say I bull s h i t. My highest record, so far, was abt 400k in stk mkt. http://img121.imageshack.us/img121/9873/stockholding.jpg 3. Never be my intention that I'm better off than him/her or everybody. You are the one asked me to show hand, so forgetful? My only intended message to the forumers are: - Small head wears small hat - Cash is king - Pocket par par is important - Have umbrella as big as you can That's all. Never be my intention to show off, just to share. The 72 months & 65 months are my umbrellas for the 2 properties for the time being, may get bigger from time to time. Your 3 properties investment concept is not too bad an idea, just that, you did not include in the stamp duty/brokage/legal costs, etc and "umbrellas" that cautious me to write this.

Add APPLE green + BANANA yellow + CHERRY red, everyday eats fruits, how nice!

Partial or full? Minimum $5k in multiple. What got simi plan, got money spend first lah, make ownself happy happy, tio bo? Men manage money?, or money "manages" men?

Good to have electric drill with "hammer" function for wall drilling. Drill bit also different for different jobs, Wood, metal, concrete...350watt should be enough.

FSM does the walking, surveying, negotiating, client just pay money. Better leave this to fsm, this is not a DIY thing or read from newspaper or internet thing, if not kena ah long house, haunted house. Need to tilt this and that, put coins lah, hulu lah, water feature lah, stones lah, put petition lah, elephant lah, crystal lah, shift chair shift table shift bed lah...... Bad luck, haunted house examples serve as a caution for pple who want to do DIY buying home themsevles.