bepgof

20yr ago, everyone wished to be a Millionaire. Now, everybody wish to be a Billionaire. In 5 year time, all want to be Trillionaire. Value of money keeps going down..... Great parents move home for children. Time waits for nobody. Don't miss the boat schedule. In good time(singapore) and with low interest environments, don't expect pty price to drop. With recent rules changed make HDB resale mkt supply even smaller. Land supply increase can pause or delay the rate of price increase but can't stop the trend. Big news: By 2 Aug 2011, US gov has to decide to increase debt ceiling. Now already ready hit USD14.294 Trillions. No increase means defaulting.....http://en.wikipedia.org/wiki/United_States_public_debt May be by the time when all mkts shake, you can get cheaper flat? To be cont'.

Slipped within tiolets? Always quarrel in tiolets? Tiolets make you sick?

To me, all about the same. Personal preference on bank counts. I prefer local banks, ppl asked why. I replied: loyalty. If have account with bank, cash payment via internet will be easier. CPF instalment amount can be altered via any computer, so long as having singpass.

Bain st, bra besah complex? waterloo centre? From reno blog, window seemed to be new type, likely in Klang Lane (2002-2003), 3 bus stop away from CTY stn? http://www.renotalk.com/forum/index.php?showtopic=40916&view=findpost&p=640280

I've been there a few times, developed by Hoo Bee grp. Some 700+ units. Quite crowded indeed during holidays, got problem booking facilities?

godloveyou has addressed the issue, hard to understand? Let me make it plain. Tree men & Cave men had little "control" over the environments. No electricity, no bulb, no fan, no properly water supply. Sometime rain, sun, animals,insects, wild wind..... FS deals with "control". If desired things are made/arranged in a "controllable" or "flavourable" towards the owner manner, then it is a good fs setting. Dinning place needs proper ambience to allow food to go into stamach smoothly and sweetly: lighting, temperature, wind flow, humidity....if these elements are within "control", then it is a good place, esp for home. Can imagine eatiing half way, - Got insects? - Sudden gust of wind? - Sudden "water" from the sky? - Hot, cold, stuffy? - Rocky flooring, 3-leg table, soup "overflow"? Wet here wet there? Life needs excitment once a while to make heart pump faster, too much excitment results in weak heart. Call home by lord sooner.

May be the same block, same range of storey, have same selling price, almost at the same time?.

$1452psf at CCR to some still very cheap. CCR land is getting less.

The data updated over the web ought to be after 2nd appt when transaction is deemed completed. Many things miggt happen which result in cancellation of transaction between 1st & 2nd appt.

Wife: pay bank 100K. bepgof: with my yr of experience, can generate abt 8% roi in stk mkt. So??? True story on me. - more than 200k cash in stk mkt - existing resale 5rm(528k bought in dec 2009) os mortage abt 81K, wife has been po ro so me to redeem since Jan 2011, I say wait.... - Tah boleh tahan her po ro so, asked lawyer to proceed the redemption in May 2011. Completion on 1 Sept 2011.

For rental/appreciation, chiong. For own stay, forget it. Everyday shopping till you broke.

I like this. I like your "locks & pad locks" theory. The poor: We have no money Gov: Don't worry, we have welfare system, just apply. Possible to meet MS while have been using CPFOA paying toward mortgage loan? I'm 47, work like cow since 21, OA=19k, SA=115K, cpf contribution kena cap at $4500 monthly, now streching neck long long looking forwards Sept to come. This reminds me of the dog chasing after the bone where it is tied on a stick and the stick is tied on the dog.......the dog "chiong" and ....drips, can't touch the bond.

Currently, 3 mnth sibor moving average = 0.4375, 12 month moving average = 0.75807, 3 yr MA=??? should be higher than 1yr's. If other terms on same pars for the 2 packages, obviously the 1/3 mnth is better. Compare the "penalty" & other costs: - Partial payment within xxx yr "admin charge" - concersion charge. etc Watch out, China recently up the lending interest to 6.06% & deposit interest rate to 3%. Implication: discourage borrowing, encourage put $ into deposits(saving).

This is a war of the 3 Ts, is also "weight" fight. TCB Vs Tan KL Vs Tony Tan. Very obvious TT has more vast experiences than the other 2 Ts. GIC, SPH, OCBC, MOE, MTI, MOF, MOH, DPM, Mindef....super heavy. If put 10 TCB & 10 TKL at one side of the Balance & one TT at the other side. TT still weights heavier. Personally what I don't like was when TT in MOE(1980-1991): Policy: "2 Uni were enough", ended many talented singaporeans lost chances to go to U. I like his hair style, same as mine, 十年如一.

Why needs 30 montsh grace period for "first timer" who presently stays in pty to apply for "new" public housing(BTO/DBSS/EC)?? Logic?

for 30 yr loan, valuation Limit will be hit at about 26th yr. Meaning 27th-30th yrs' instalment have to be paid by CASH, no cpf.

True. Need to mix soil with little white cement power to neutralise the PH. Make seashells into smaller pcs and mix with soil also help. I used to do that. Yrs ago was a member of hydroponic club of ngee ngee polytechnic. Won 2nd price for the design of logo for the club. Have frown a few veg specis and cacti within styrofoam boxes with hydroponic technique. Bought PH meter & conductivity meter, used NPK solutions. Flowering plants tend to be short-lived, therefore need maintenance, except those like bougainvillea, cacti....could pass them to your next generation. Miniture fruit trees not a bad idea. From flowering to bearing fruits, very rewarding. Too bad, no $ to buy landed property, otherwise....sure invite all you guys to look see look see.

Please read and comply to "general Note" on top of the page, thank you.

Please read and comply to "general Note" on top of the page, thank you.

Ever lived in "landed house" till age of 16, shifted to HDB due to land acquisition. With big plot of land, 3 ponds, 2 wells. Late father was a farmer, we grew all sorts of veg/plant for sale (whole sale market was at present's hong kong st, carpenter st, previously called 三沟).....Really missed those days. Some links here for airplants. I was the first batch of visitors to Botanic Garden's airplant garden some 15 yrs ago. http://plants.web-indexes.com/airplants/airplant-basics.html http://www.airplants.com/ http://natureloveyou.sg/Plants-P.html

Platycerium species. Check this out. http://purificacionorchids.com/index.php/gallery/platyceriums Suggest to grow all sorts of air plants. Super lasting. Especially those flowering type, very nice.

Refer to Windows Grilles at Service Yard/Private Balcony ONLY. Not normal window openings.

godloveyou, don't agitate a maddog, read this. http://www.renotalk.com/forum/index.php?showtopic=41529&view=findpost&p=651374

Another law of nature about maddog. Deduced after years of observation. It anyhow barks and bites. The more one responses, it feels more "shiok" and barks and bites louder. It enjoys barkings and biting. Its inherited genes must have caused this. When it sees others having what it lacks, its eyes sore and trigger its madness. Best way to deals with it is to aviod it. Soon it feels bore and looks for new target.

A few have prompted me this question. Geomancy deals with laws of mother natures ONLY, no more and no less. No quick fix, no magic, no involve of super-natural powers, no religion beliefs practices, no rituals, no superstitions, no pang tang...... I've mentioned earlier, I cultivated cacti not for fs reasons but for horticultural reasons. If family members don't like plants and if often lead to quarrels, then forget about plants, or unless you can change their mind to become love the plant after sometime then go ahead. Cultivating plant is merely a hobby. Of course there are many pros of a "good hobby". One best to understand these laws, follow them, "utilise" them to help maximise ones' goals. Sound simple right? Simple does not mean easy. Everyday we're dealing with laws of mother nature every moment. - don't do this, will get that. Effects may take time to surface. - do this will get that. Effect may take time to surface. - We're subjected to gravitional force, why take stone to throw at one's feet? - Why put something heavy on top of where we use to sleep? Effect? - Why spent more than one could earn? Effect? etc etc... These are laws of mother nature.