bepgof

You followed him all the way? I half-way in/out, busy eating lah. He so hard working talking till 2 patches of "whit sylvia foam" found at his mouth, those aunties, sigh, like never see a fsm before. I didn't squeeze into the anutie-crowd, kena molest, how? Never aware of CD till you mentioned. No wonder the water everytime so cold, got dragon playing inside!

Every moment we're diy this & that based on ours core values and belief. Strictly speaking, every moment one is altering fs around him. At times we seek second opinions, sometime we buy others' ideas and at situations we choose to pay for services. I'm just wondering what really drives one to engagea fsm to do only house audit. Since belive fs so much, why don't as well engage fsm to look for a house? Why macro diy, micro leave to fsm? It is sort of priorities reversing. Absolute correct. 尽信书不如无书.

He's the appointed FSM by Allgreen Properties. Ran into him during Baywater's grand opening in 2006. He was the appointed fsm. I called he mentioned Bedok Town park is the small hill which is the norther snake/Tortise, the then HUDC on left (stand ,look straight from main entrance) east dragon, The clear water is the western tiger and the reservoir is the southern vermillion bird. The longkang is the "river", PIE is the "Hugh water road". Baywater is located in a best fs setting - I loved hearing this so till now remained in my head. During Q & A, his tongue got slippery and gave those generalise "answers". Ran into him a few times at bedok reservoir rd. Abt 2 wk ago wife showed me a little booklet (quite a few sheets) with many pictures, published by kx. I read all & threw one side, wife must have returned to someone. Forgot to read is there any MPA licience. The pictures & fs comments, in the booklet, made him in a "dangerous" situations, I think. Almost all HDB building structures "failed" fs. My present house is classified as one of the "dangerous" one- with a "red candle" just right at rightside of main door(view from within house).

When One bought a home, he DIY macro fs. The moment one shifts a chair or table ,he is DIY fs. The moment one makes love with partner and have baby thereafter, ones are DIY fs. The food one takes, type of clothing one wears.........Every single decision one makes in life is DIY fs. So, you are suggesting one to live under professional fsm's instructions 24 hour a day?Appeared to me, either you don't understand what you have written, or, you have been "brain washed" by your fsm and become a PUPPET of his. Looked at history, what had happened when Emperors "listened too much" to his "Astrology Consultants"? Look at daily papers....... Gaining knowledge from books is a choice. Paying money to get "something done" is another lifestyle choice. Knowledge is gained accumulatively....Rome wasn't built overnight. Everything starts from DIY/handon! Look around and think! Note: message contains strong insulting sense, but it's not my intention to insult anybody, just to provide another view of what is "DIY fs" vs paid fs vs knowledge vs daily life.

Ah tee or Ah muay, always remember this: cash is king. Pocket par par is important. Alway wear the small hat first, when head grow bigger, then consider get a bigger hat. Since you're interested in my present pty portfolio, ok lah, I show hand first, remember to show your actual one hor, no paper talk. 1. HDB resale, 5rm, pt-blk, 32 yr, 1 km with mrt, #23, morning sun. - bought in Aug 2009, val + cov= 518+10K = 528k. Completion 31/12/2009. - Stamp fee at 10.44k, agent 5.28k, reno at 90k - Outstanding loan as at now, $84k - loan tenor 30yr (my age not allowed 30 yr, wife's age just fit) - Now paying $333/per month, lockin ends 31 dec 2010. Facts: - House price = 528k+10.44k=$538.44k - Downpayment = 538.44-84 = $454.44k - Which is 454.44/538.44 = 84.4% - "Very much higher" than yr 50%. - My cpf OA alone, can last 72 instalments, without me working. Wife's not included. - To be precise, if combine wife's OA, I can fully redeem the flat now! - Why I don't do that ? I "kiasi", wait & see till lock in over (end 21 dec 2010)first. 2. F/H, 850sqf, top 2014 june, D15 - Signed OTP July 2010, signed S &P, signed loan at 802.4K - Price at $1.003mil=$1003k - paid 5% +15% = $200.6k (150k cash) - paid stamp = $24.69k(cash) Facts: - I loan 80% of $1003k, 30yr, 1st cash disbursement of 10% of $1003k, will be sometime in March 2011, when foundation work completes. - I've 160k cash in stock, already grown to 180k as at now, purely as "umberalla" for this F/H. -30yr, 1.5%, monthly payment = $2769.24 (this amount provided the whole loan is disbursed, which will be in 2004 June.) - 180k/2769.24 = 65 months. - Even now if I have no income now , the "urmbrella" is able to last me 65 months for this F/H. - Remember that the HDB, I can do a full redeemption at end of 2010. Initial plan was to engage lawyer at en Sept 2010, to write to bank to give 3 month notice. Later change plan, just lock-in over first, then look for lawyer to make full redeemption. - I don't intend to hold this pty for long (quite small) I'm more "kiasi" type, prefer to wear small hat first, with big umbrella, hor. Your turn now.

Right, course + insurance cost $600+, those part time without transaction opted out.

It is not 50% that matters, it is the "umbrella" that counts. Look at those gearing ratios... In layman terms 1. Small head wear some hat. 2. Most successful millionaire like to wear small hats thought their heads are big. 3. Judge the size of one's head then wear the appropriate size of hat 4. Killing themselves are those with small heads, intended to wear big hats. Slow & steady come with calm & peace (anyway money can never be enough), chiong fast also no wrong, but tendency to get "injury" is pretty high, cos too many uncertainties out in the mkt. Forecast is one thing, actual happening is another. Experience lies in between these 2. Let work backward, generally, if one's pocket can "tahan" monthly instalment for total property investment for 24months without income, then it is quite alright. Other financial liabilities set aside (another amount) Notes: Many youngsters can't manage their finance properly, many young ones defaulted credit card payments ended up being declared bankkruptcy. Out there, there are too many "temptations" - big & bueatifful house - "very class". - Can tell from papers that young couplers keep complaining high price of house, yet they prefer spending $ on pets, car, instead of saving, Why?. Simply they don't believe in "small head wear small hat" principle.

1. Get this stright, I'm not against investing in various properties concurrently, as long as it is within one's "mean"= umbrella big enough & within comfort zones. 2. I'm staying at my 3rd home(Val=$518k), with $80k os loan(still within lock in). Have paid 20% + stamp duty for the 4th($1.03mil) which will be TOP in 2014. 3. 1st and 2nd were fully redeemed and sold. 4. To be exact, 1st full redemption and bought the 2nd. Moved in to 2nd and rented out 1st. 5. After 11 months, sold 1st and fully redeemed 2nd, and bought 3rd. 6. Sold 2nd and moved in to 3rd, then buy 4th. 7. I never engaged bridging loan nor reno loan. 8. My umbrella is 24 months, meaning if no income, the "umbrella" able to walk me throught the liabilities for 24 months, safely. 9. Property is not so liquid, I split my umbrella into stocks (~70%) & saving(~30%). The 30% is another "smaller umbrella" for rescue, in case big one get "stuck", and to break even. 10. If have 1.6mil, very likely will put 70% into property, 30% in somewhere more liquid (eg, stock, time deposits, saving) for rescue, in case income diminish or loss, or anything unexpected.

Unemployment rate down, serveice & finance sector booms, property agents eat grass liao.

I'm not surprised that you don't, or, rather refuse to understand what I've written, otherwise, you would not have written those. Let me, make it plain: - Each has his own appetites and different size of umbrella. - Debt/income ratio is a good yardstick as to how much one should borrow. - When income diminishes or completely loss, "umbrella" comes in. 6, 9, 12, 24 months? Each has different zones of comfort. - Worst case is "forced sell" at loss and need to rent for a shelter, and actually camp at seaside is not a bad choice too. Notes: To be precise, total monthly instalment for 30yr tenor of loan amount of $1.4 mil @1.5% is $4831.68 for the first 3 yr. $5155.67 monthly for the 4th to 6yr @2% interest.

I think you're the one get confused by the modern management greed. Let's look into correlation between subprime loans and property bubble. 1. How subprime mortgage loans start : The democrats did not think is was fair that only people who owned homes were people could afford to make their payments. So they made it possible to buy a home even if you could not afford it. 2. What's subprime loans?: A type of loan that is offered at a rate above prime to individuals who do not qualify for prime rate loans. Quite often, subprime borrowers are often turned away from traditional lenders due their low credit ratings or other factors that suggest that they have a reasonable chance of defaulting on the debt repayment. 3. What drive subprime to be popular: Subprime mortgages are loans intended for borrowers who are perceived to have high credit risk. Although these mortgages emerged on the financial landscape more than two decades ago, they did not begin to expand significantly until the mid-1990s. The expansion was fueled by innovations, including the development of credit scoring that made it easier for lenders to assess and price risks. The crisis are when the defaulters increase in number as a result these kind of mortgages becomes less in number by the banks. 4. What make real crisis: Lenders lending money to people who were not qualified to repay it. The lenders made their money up front in the form of commissions, so some made it a policy to sell as many bad mortgages as possible so they could reap their own profits without being concerned over long-term effects on the ecomony. In some cases, the lenders themselves falsified qualification documents to ensure the loans went through. Lack of government oversight was a part of the problem, but it mainly falls back to the corruption and greed of a few powerful individuals. 5. Too much money chasing too less goods: When lending is made easy, money floods the market, prices shoot up and money chase after these less goods(property), and lenders lend more and borrowers borrow more....cycle repeat itself and growing bigger & bigger, till "bang". Everything back to dust, flying, slowing setting down onto ground.

Typical case of Capital Budgeting Analsysis, too bad, you've portraited a skewed analysis by failing to mention/compare important considerations: 1. ROI of porfolio 2, if owner sells existing and stay at say 1.2mil property or much cheaper home at 10th year.. 2. Future value of money being taken into calculation, as CPI counters property appreciation. *3. Bold assumptions owner in portfolio 1, could have properties rented out at prices stated and always letout. *4. Bold assumption owner in portolio 1 having no cash flow problem in the 10 years period. *5. Bond assumption interest rates of mortgage loans for 3 properties remains unchanged for period of 10 yrs. Real cases have shown that 3,4 & 5 are very unpredictable, and, have killed many when there is a economy downturn. Many fail to do Worst Case Analysis which lands them need renting a home to stay in the end. Need to look at "bright" side, but always standby an umbrella for unpredictable rain. How big is the umbrella? Reality is, it cannot be precisely calculated and another problem is in nowadays' corporate management theory, the umbrella is being considered as a "cost" and theory teaches theory believers to eliminate costs at all cost!. Within heart, all know that umbrella is needed somehow - particularly true in Asians' philosophy.

Oops: - Main dr facing 5 panels of window directly. - BR 2& 3's shapes - Kitchen/MBR at back -ok. - May have natural airflow problem if 3 bed room's dorrs closed.

I'm talking abt the "hour". Not shown in birth cert, late mother only told "at night". That time, all mechanical analogue watches, all quite expensive. Digital watches not born yet.

You throw out only the head but no body, nowonder BK888's gong gong gong gong (grandpa hits can) until gong gong gong gong (granpa giddy). Now everybody becomes gong gong: Head: I gong gong jia ti kong, Body: ti kong tei gong lan Ti Kong = Provider of bread Gong gong = idiotic Gong lan = idiotic ppl Provider of bread gives bread to idiotic ppl like me, Provider loves idiotic ppls. Still gong gong?

Get you right first. 1. You can exist(assume there is a one-way day, owner access only) from your roof terrace to the "roof maintenance area"? 2. Then, there is an other door(you called fire exit door) built in between the staircase and access to this roof maintenance area? 3. Before change, you can "unlock" and open this door from "roof maintenance area" thus allow you go "down" and escape? 4. How can maintenance guy access to roof maintenance area if BOTH sides are locked? 4-1. Only authorised personnel can access to this door. If answers to Qs 1,2 & 3 are yes, then go to 4-1. Q4, if what you said is true -locked from both sides - violation the rule of having a door - ask BCA to check. Send them pictures first. Note: A door not necessarily to be a "FIRE EXIT" door. The "roof maintenance area" is a restricted area, it is not a COMMON AREA.

You've missed so many things. From shares(gains): 1. Capital gain 2. Dividend gain From shares(risks) 1. Cash flow stuck. 2. Interest oppunity cost 3. Depreciation of stock (company lousy performance) 4. Stock delisted from trading house. 5. Buy high sell low From Property(gains) 1. Capaital gain or appreciation over time. 2. Rental yield From Property (risks) 1. Cash flow stuck. 2. Interest opportunity cost 3. Depreciation (land title) and building structures 4. Buy high sell low 5. Variable holding costs

A cut & paste guy, instead.

2 old friends' casual talk some 10 yrs ago, now makes everybody high tension, sigh. - Just talk only, testing testing. - Systems upgrade, staff turnover, scripts transfer here & there. - SGX-registered players whack ASX counters.? - ASX-registered players whack SGX counters.? - SGX brokers likely to buy package lunch next yr liao. - If merge, CDP how? System & human upgrade also. - Singtel & "Octopus" lesson not learnt.

- Any "point", as long as it is a "new point", whether tapped from adjacent power, or, pull cable from DB, it is charged at a "point" price. - Lighting point charge at $A/per point - Light installation charge at $B/per ligting - Light control switch (1, 2,3,4 5,..gangs) charge st $C/per group - Note: Price for different brand of control switches, varies a lot. - Ceiling fan installation at $D/per fan - TV/SCV point (single, double socket)different pricing - Lan point, mounting plate..... - Power point(1 gang) at $A/per point - 2 gang at $B/per point, 2 gang $C/per point, so on so far - Heater point at $D/per point, switch seperate charge.

Comment: Let nature takes its course. If one feels the "social norms,practices and pressure" are acting hard, just follow the norms and practices, so one will have less mental stress. If one can "tahan" those "odd" "norms, practices and pressure" and prefer to have own ideas, please by all means. Simply one just needs to be responsible and face consequences for own's doings. Much of religious beliefs have been, some how or rather, being incorporated into nowadays' fs philosophy, watch out. To share: As my age's catching up, I realised I tend to "blend in" with the social norms. When young, very "tee kee" insisted own ways, knocked walls many times.

1. The one who submitted request for valuation, only needs to pay. Your name not there can always don't pay. 2. I've entered exclusive agreement twice, so far. One in 2006, another in 2009. Big prints, small prints all have been read liao. 3. Only enter exclusive agreement with agent who you know well and at "mentor" level who has vast contacts and experience. 4. You are at upper hand since the "selling price" portion has not been filled up.

Confirmed, this has nothing to do with HDB yet at this point of time.

- Fall in love with koi so much so want to possess them as only yours? - Always make you wanted to fly & eat them? - The pool or/and koi cause you tension with somebody? - Mirror's mercury discoloured - Body joints pains .... If have things like above, it is NG. Opposite is good lah.Like: - Make you voluntarily to clean the pond, can always ask MC for permission first. - Feel like to swim and "blend" yourself into with them as if you were one of them. - Always eager to be at pond side (not for swee lady always there hor)(ask yourself : Do what?)

Generally, much qi evolves(correct word?)around yr environment. For residential, just for reference: Bad qi associate with: Mental unrests: - too bright (reflection, movement..), too dark (damp, high humidity), stuffy air, frequent sudden noises (braking, horn, alarm, etc), untidy (things away can't find), no privatecy (ppls peeping), messy things non-stop (paper fly here & there) ......all the no good stuff. It is beyond word's description. Overtime, will develop sickness, poor PR/HR, de-motivated, do things lack of inner drives,....etc then need to pay attention and take action. Good qi keep your mental and behaviour "balanced". Balanced to WHATsss? Whatsss need to be balanced, you'll take appropriate actions to make them balanced. If you want something to have extra, that something will become "extra" in time. These are results of good qi. Everything(of course not everything, only thse "achievable" things)within your expectation and control. Real example: paper/painting "flying around" - you need to do something to make them within your control to within your comfort zone (if flying around is still within your comfort zone, then I bopain already)