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Don't to be too sad or too happy, rust is flying, nothing conclusive. 4% price increase, QoQ, July to end september =( 7+8+9)/3. Pricing factors to consider: 1. Chinese ghost between 10/8 to 7/9 = buyer at upper hand, so lower price resulted. 2. Whole July = "solid" sale & price 3. Whole Sept = wait & see, 25% vol down MoM Aug-Sep, or, 10% QoQ. Genuine buyers involved = Those willing + able. I think the factors 2 & 3 contributed much to the 4%. Likely with this result get published, mkt sentiment will be heated up again soon and the stock market hits 28 months high....No wonder some IPOs & bond will be issued soon to "suck" the liquidity($) away from the retail market (end users).

I supposed you are refering to 3 FCUs with 1 compressor. And the compressor stopped working after some hours?? After filling gas, work for month?? 1. Compressor auto-stop usually due to high-temperature. There is a built in sensor beside the compressor. When the fan not working, compressor will stop after heat built up. 2. The gas is compressed and circulated between compressor to 3 FCUs(see which working). If the is a leakage in one of the pipe, the gas "evaporated" fast - within a day or 2, some situation a few hours- depend on what big is the "leak". 3. In this case,compressor working, FCUs working, but no gas in circultation, so those air out from FCUs is "normal air" no more cool. Is this u are experiencing? Then you're in trouble & headace. 4. If only compressor "stop" working, then it is easier.

Kpo to steal the thread- the scoll is called "Lotus Sutra", 莲花经 and have many other names, witten Before Christ. Long long story to tell......

Need not to visit showflat to know the price, just a button away. http://img705.imageshack.us/img705/2222/30696920.jpg

See attached bills from inland revenue. 2010, Av=$9000, rebate this & that need to pay only $190 (one yr.) http://img714.imageshack.us/img714/8584/propertytaxpage1.jpg http://img541.imageshack.us/img541/7722/propertytaxpage2.jpg http://img337.imageshack.us/img337/5780/propertytaxpage3.jpg Today received a letter from MOE, abt post-secondary education account for my daughter,$250 has been credited into her edusave account. But, how come my annual vaulation of home >$11,000? See below: http://img823.imageshack.us/img823/9141/propertytaxpage4.jpg

Hi Kellyla, just an update to clear the doubt as to new rule on 70% loan: To play game, must understand rules of game first. 1. For brand new pte properties(EC applicable) that are under construction and bought directly from developer, it will be 5% booking fee (cash), 15% downpayment(5% cash+ 10% cpf/cash) (within 8 wk), then 10% upon completion of ground breaking. Remaining 70% can be by bank loan. 2. For brand new properties (Ec applicable) that have been completed and bought directly from developer, it will be 5% booking fee, 25% (5% cash + 20% cash/cpf) within 8 weeks. 70% bankloan. 3. For private resale(EC applicable)properties, it will be 1% option fee + 9% exercise fee. This is to be settled in cash. The remaining 20% can be cash/cpf. 70% bankloan

Try this web: http://www.iras.gov.sg/Tax%20Calculators/HDB/PT_HDB.html 2010 still follow 4% flat rate. From 1/1/2011, onwards, pty tax rates change as follow: First $6,000=0%, next $59,000=4%, amount exceeding $65,000=6% A quick one, my 5rm, aunnal valuation is $9,000. So, 9000x0.04 = 360 (one year), monthly = $30. 2.5 month = $75 Simply ask seller use his singpass log on to IRAS web, print the property tax he pays and show to you. Or you can agar ager the the annual valuation x 4% (1 year). To me, $200 for 2.5 month is quite expensive, unless the property you are buying worth $25,000 AV? You expect an individual to give you a receipt? Issue him a cheque instead for treaceability. Note: A 1270sqf 4 yr condo(L99)in D16 worths only %15,000 AV.

A joke for a day: OPEN LETTER COFFEE SHOP TALK From : ChinChaiOne Dear Prime Minister, We citizens of Singapore urge you to PLEASE MIND YOUR OWN BUSINESS. We DO NOT NEED your help. Every time, you mention HELP, we have to run for cover!!! Help the poor? Raise GST! Help traffic flow? Up ERP! Help passenger service? Up Bus fare/MRT fare! Help us get taxi? Raise taxi fare! Help us get good government? Raise Minister and Civil servant salary! Everytime YOU WANT TO HELP, we all PAY FOR IT!!! THANK YOU THANK YOU…TOLONG LAH, please, we will HELP OURSELVES, no need your help liao. We DARE NOT ask for help any more!!! Sir, most honoured sir, I urge you NOT TO HELP Singapore INVEST also! Everytime your wife invest, we all lose money! Kao liao, kum siah! Just let us have a dose of bad governance, like recently the Mat Selamat case, like dat….so far, it is ok, your incompetence, we ACCEPT! PLEASE DO NOT help us have better security! Wait we all kena PAY FOR IT!! I believe ALL SINGAPOREANS PREFER NOT TO HAVE CRUTCH MENTALITY! I think it is ok lah, please just take your salary and enjoy life ok? Thank you thank you, I am very chin chai one, any how any how, no need to help oso can one. Following is a reply from the Prime Minister's Office: Dear Chin Chai One, 10Q you for your letter. On behalf of the Prime Minister, I am replying to your letter as follows: As the erected party of Singaporeans, we are here to serve. We are demon-cratic country, you are master, we gahmen servant, we serve you. You got problems we must help. You say no need our help? That means you're not Singapore's master. You say you run for cover? Cannot one, our police will find you.. GST is to help the Gahmen to help yourself. The Gahmen Service Tax is everywhere, you go America also have one, cannot run one. Traffic very bad, so bad that we have to hold car racing at nite to avoid traffic jam. We believe there is no free lunch like PM's father say before, you use, you must pay, so Every Road Pay..... So you see no ERP cannot one. Needless to say, passenger service also must pay. The increase in bus fare and MRT and taxi fare are very little already. We foresee world inflation coming: oil, steel, pay of foreign talents, etc, so we have to pay for the service. You see, many foreign talents come to Singapore . If we don't pay our ministers well, they will go other countries to be their foreign talents. So must raise salary to keep them. If not, Nathan, Shanmugam, Bala etc will go India and work. Khaw will go Malaysia. etc etc. Must keep them. To keep them must pay well. You are right, any help also must pay. To help yourself? No, it's illegal. You mean you can build your own MRT? Run your own buses? Drive your Ba-Ong-Chia? Build your own roads? Seow liao!! Every one help himself then how? No social order lah! Ga ga ask for help, we are here to serve you. We understand some of you have temporary problem. Don't worry, it is only short term. We must look long term. We must invest long term. Now lose a bit don't cow beh cow boo, long term! Yes, remember. 30 or 50 years later we will own Swiss banks, US banks, UK properties, maybe even South Pole condominiums. We must tighten our seat belt and bite our false teeth. The future very bright. As long as you continue to support the gahmen 30 to 50 years you will see bright future. So Chiang See Tong a bit lah. Also, investing is very complicated business, not easy. We must pay school fee to learn from advanced countries. On Selamat's case, we also must learn our lesson. We encourage life-long-learning. I learn whole life time, you learn whole life, Mr Wong Can't Sing also whole life learning. It's actually good. Mr Wong already apologise, don't force a dog to jump over the wall, the wall may collapse. Old dog cannot jump high also. Selamat's case gives us many lessons. We must be on alert, not too complacent. Now every Singaporean know there can be a terrorist among us any time. This is the best self defence education !! PM will give Mr Wong another salary increment for that. Also now we merge the prisons and detention centre, more space will be available now. We will build it like another IR, Integrated Retention - so those don't want our service and thinking of doing illegal service will go there. We will pass a new law too, the expenses for stay in that IR will be deducted from your CPF money. Remember we must be grateful to people who help us -- and pay. I hope I have explained the situation and give you the message clearly.... If you still need help, please call my handphone: 9990-6767 9990-6767, it's toll-free. By the way, Mr Chin Chai One, our pioneer Toh Chin Chai already toh long ago. So if you choose to be Chin Chin Chai Chai, you will also Toh. 10Q you again, Reguards, Ah Beng Grassrude secretary

USD down again, Gold up. 1USD=1.42, feb 2010 1USD=1.37, sep 2010 Now UOB sells golds, 1kg=SGD55,xxx A year ago at, 1kg=SGD56,xxx Don't know want to buy or not le. "Currency war" in the forming. World govs are "dumping" USD. US gov still wants to print more money, sigh. Printing money like turn on tap water, let it runs freely.... Appreciate RMB will help create more jobs in the US? Labour-intensive mfg jobs US already "thrown away" long long ago, cos little/no-value added. Poor China still doing...too much manpower.

Either your mug or coffee no horse run lah. They make love there.

1. The fact that from submission of resale application till completion will take abt 4 months. 2. A new EC will take ~ 3-4 yrs to build. Meaning the moment you pay the 5% booking/option fee, you have to wait for another 3-4 yrs to move in. 3. EC payment scheme is like pte condo's payment scheme -pay 5% booking fee in cash to exchange for OTP & S& P doc. Look for banker & lawyer. -pay 15% within 8 wks -pay stampduty in cash first(can redeem from cpf later on) within a wk or 2 after 5% payment -Not too sure abt the new rule on the "extra 10%" when to pay, ie 70% loan - follow progressive payment method To "escape" "2nd" loan is to clear 1st loan first. - To clear 1st loan meanings either you sell alway your existing home (4 months, not incl viewing, marketing...), or - Get money from somewhere from someone to do a full redemption to the flat. Ask yourself this question first: where to stay after selling, while waiting for EC to be TOP (3~4 yr). If you are cash-rich, you don't have to bother about the 30% downpaymemt. Money is not the problem, the problem is no money, correct?. Hope above info useful to you.

Wondering if they maken money while in IDA?

Confirmed it is the fumigation/chemical smell from plywood. Attacks nose & eyes. Want to get the smell away fast? Put water in wide-open surface container, fan blow, through diffussion, smell will go fast.

Thanks for the infor, just TOP Dec 2009, you bought 2nd hand. No wonder seller still "miss" the place. Based on 80% loan @ 1% interest for 10yr tenure, monthly instalment =$5781. Justify to "chop" seller at $5781/per month. http://img816.imageshack.us/img816/5393/cityregency.jpg

Dust's still flying ard, yet to settle down. Too early to conclude. Immediate effects for sure: 1. Transaction volume down, you wait I wait, u see i sees, all wait & see. 2. Less seller & less buyer cos of rules.... 3. COV get "squeezed" first. 4. Depend on valuation bodies got "conspire" with gov, purposely down the valuation. Newspaper just takes opportunity to take a "case" or 2 to report on, everybody aware NOW is too early to conclude. Gov though has the first hand info on demand & supply data, it can only "agar agar" and built those BTO/DBSS/EC, GLS to pte developers for pte homes. Then wait & see the market forces react , then play a bit of wulo & tarik here and there, as & when necessary. For sure, Singapore homes are comparative much cheaper than in HK, ROC, major cities of China, India, Jakatar.... So, ....

Based completion date stated in OTP signed. Look like seller just raise this "extened stay" request suddenly, very non-professional, think of their own interests only. You're now at upper hand, if you got time to let them stay, "chop" seller back lah. Take it or leave it, or ask them to vacant on exact date, to rent elsewhere, to camp at seaside also can, Bencoolen hotels very cheap, free and easy. Seller still has time to decide. Put across you decision to seller quick. Age, sqf of whole unit, location, land lease title, facilities etc determines $$$. If you would like to disclose more info, I can agar agr for you.(I'm not agent)

I'm not joking abt the recent China's foreign exchange reserve policy drift. Where she goes, players follow, I think USD now is in the "suay" trend. China also suffered huge loss due to her investments in Fannie Mae & Freddie Mac. Now scared. Look at our GIC, TMSH, lost some already cry father & cry mother, forming don't know what the committee to minimise risks, siad Tony Tan today. Well known fact that Americans have been living in luxurious through printing money & raising bonds/treasury, indirectly "spending" others' money. Once they are declared bankrupt, the others "suay".

Aiyo, life is not all abt how to survive in dark heavy storms, but how to dance in the rains. You now see the rainbow, give ppl some hope too. All those comments as to remove gate/door etc, I say say only, don't take for real.

See China's recent announced foreign currency reserve portfolio "suck" JPY, & EUR, "throw" USD. A joke for a day: People say there is no difference between COMPLETE & FINISH ... But there is! Marry the right lady, you are COMPLETE, Marry the wrong one, you are FINISHED.... And when the right one catches you with the wrong one, you are COMPLETELY FINISHED!......loh

Prices of pte pty will be kena. Once one's stomach is full, become choosy of food. Rule of human nature. Anyway, 2 hands 2 legs support le

One more here abt tongue: "A woman with 6 inch tongue can kill a man of 6 feet tall"

I love hand-on so much, and always get hands dirty, so no chance to get mind dirty. wife always said I "itchy hand", luckily no "dirty mind".

Believed $$$ must have been received liao! Forum is like that mah, more stories, more versions, how can let alone SPF busy...forumers more busy than the seller & buyer.

Kpo uncle here again. No wonder SPF so busy with this kind of "chicken feet" things. Everything also police!No wonder nowaday, SPF putting "counter machine" at police station, "visitors" need to "press the button" for Q number before consultation. Eventually police'll advise "visitors" to seek lawyer's advice. High class pin-ball game le! Why make yourself so busy? Just go and remove the gate and door and take the money seller owed. In case police comes, just tell police uncle that someone keeps your money inside there and you're just in the act of getting your rightful money back!

Kpo uncle here, if seller dares to "eat" my money...3 days prior written notice, I'll remove away his gate & door!