bepgof

Nothing to be pissed off about. Most IDs are like that. Experience counts. - Just tell him to void the paper without paying anything, if he fails to appear for final discussion at site. This is your right. - Write a letter to his co to state the above.

Timing, what,skills, knowledge, etc etc are equally important. Timing more or less can be traced from past historical trend, eg past 5 yrs Aust dollar curve vs SGD. - Property price curves, almost abt 7 yr a cycle...... WHAT- Business, stock exchange, currency,..Quick return with "less" risk, got such thing meh? Only heard high risk high gain - Business, take long time to establish, entry/exit/competition/life cycle/rental/breakeven/legislation....so many areas to take care of. - Stock, comparatively easy, of course, must know the risks. Take time to understand mkt behaviour and counters performance. Anyway, zoom into certain industries will do, eg finance, property, TSC...."too big the net catches no fish". Always reserve 20% spare to "breakeven" if mkt down. Skills/knowledge take time to gain/polish. Only after burn, then understand how to prevent not to be burnt. - Existing hdb resale 5rm is my "3rd" house. - Abt 250K cash "stuck" in stk mkt - Have ever converted 72KSGD into 50KUSD in UOB. Wrong timing, USD then down down down. At a loss, converted USD to NZD(8% int), for every 3 month auto renew with priciple add on, quit( convert to sgd and close account) after abt a year when NZD shoot up vs SGD. Must understand bank's conversion rates hor, opening/closing account for UOB is free. Premature withindrawal(before 3/6/9/12 month is up) need to pay abt $27.

Some were built in 1950s by the then Singapore Improvement Trust. HDB formed om 1 Feb 1960. Queentown is the first satellite town, follow by toa payoh. The Bukit Ho Swee fire, in May 1961 was then a "test" to HDB. What's HIP? I changed almost everything for the 32-year old flat after buying, except main door's frame - sentimental value. http://www.hdb.gov.sg/fi10/fi10320p.nsf/w/...ry?OpenDocument

HDB has just celebrated 50th anniversary. http://www.hdb.gov.sg/fi10/fi10320p.nsf/w/...rl?OpenDocument. Before lease expires, many things within building reach their useful life span liao, eg, pipings, cables, lighting.etc etc.

Finally the authories do something to this - may be they read this forum & buy the ideas from forumers.

Common saying: There is a greater blessing in giving than in getting. Must give, give & give, cannot get, get & get. Get & no give makes an ugly man.

Foreign currency time deposit: - Example, UOB, - Put SGD in saving account. - Down to bank counter, tell you want to open timed deposit account for foreign currency (eg Australian dollar) - Teller will tell yo the buy/sell rate and interest rates at different interval (3,6, 9, 12 months) - Decide the amount you want to invest. Decide the interval. Decide auto renew or manual renew. Teller will transfer SGD to AUD and account alive. - You gain interest + currency appreciation. http://sg.search.yahoo.com/search;_ylt=ApX...mp;fr=yfp-t-712 Stock market: -Example UOB Kayhian - Have saving account with UOB. - Open CDP account. Open a trading account with UOB Kayhian. Sign up internet trading. - Once everything done, can "play" liao.

Property pricing has been categorised into HDB & "private". - HDB has BTO, EC, DBSS, "resale". - Private zoned into CCR, RCR,OCR, leased, freehold, condo with strata title, terrace,semi-detach, bunglow. When tsunami wave comes, all kena. Only which kena "more serious" and which kena "less seious". The BTO, EC supply waves very strong, L99 condo supply wave also very strong. URA's data on supply already underestimate, not up to date. Read below, just look at the curves, forget abt the long winded wording. http://agentbotak.wordpress.com/

This is basically a "lifestyle choice" question. "This" cause leads to "this" effect. Youngsters nowaday want to taste "sweet" first, enjoy life first, go oversea "holidays" many times yearly. Married no kids but keep pets. When no cash to buy property, then cry father & cry mother lor. Keep buying on credit and broke lor.

Anyone can enlight as the watchers say the changes will reduce the transaction number of those shoebox units?

The 3 in 1 crisis in japan not really affect property price here, but will have some short supply of parts, seafoos, etc etc. Instead, the rebuild will stimulate the domestic mkt there, as well as to "fight for scare resources among countries". Energy price will go up in near future. The worrying part of property pricing is the "supply tsunami" here. I think around end 2012 or early 2013 the "tsunami wave" will land here.

Stamp fee calculation is based on "purchase price" not "valuation price" = purchase price x3%-5400. = 535kx0.03-5400=$10,650 - Legal fee(~2K) is usually absorbed by bank in full if loan amount>350k.Negotiable if long standing with good credit record. http://www.moneymind.com.sg/Tips_OnBuyingAProperty.aspx

You have to be a Gui Ren to others before you manage to find any genuine Gui Rens in your life.

Valid & logical.

I C. Contradiction in actions/decision makings by one do happen all the time in life. Do realise that the inconsistencies in principles/belief are resulted due to ever changing environmental, situation, ppls, place, timing, etc etc. That is why there is a term called " contingency approach" in management. In short, it is called "it depends".... Forumers doseek advices/opinions IN THE OPEN. 一 句 話 說 得 合 宜 、 就 如 金 蘋 果 在 銀 網 子 裡 。A word at the right time is like apples of gold in a network of silver. I don't mind to be insulted, if I deserve it.

As sure as the sun will rise from the east tmr. I'm using Legrand brand too. The spring is strong.

This lock suitable for commercial & industrial but not for residential, must be in fail-save mode in case electricity power fail. Best with card system and meant for many users' usage, not worth for a family member of 4?

I have this. The white string is easily get rubbed then wear and break. SIL's boss bought me one reel(100 meter) of this string and changed myself until face green green.

Simple. -trunking - drill - don't get electric shocked - touch up.

When a matter's electrons in one orbit jump to another orbit, causes matter change, same time gives off energy wave in the form of electromagnetic radiation. Light from sun to earth is travelled through electromagnetic radiation. Radioactive materials used in nuclear power plant, carry hugh energy in one particle & these materials' properties are very unstable as it keeps radiating out energy in the form of radiation which caused living things' cells structure to change. These radio-active particles are carried in the clouds, in this instance. Clouds move by wind. Clouds cool and form water droplets, when droplets are heavy enough it becomes rain. It is wind that blows the clouds..... It is possible.....but "chance" are dim.

Forgive my stupidity. Care to enlighten me WHAT your statement stated below refers to? Common saying: 东西可以乱吃,话不可以乱说。 Words of God: 箴 17:10 一 句 责 备 话 ， 深 入 聪 明 人 的 心 ， 强 如 责 打 愚 昧 人 一 百 下 。A word of protest goes deeper into one who has sense than a hundred blows into a foolish man. 箴 23:9 你 不 要 说 话 给 愚 昧 人 听 。 因 他 必 藐 视 你 智 慧 的 言 语 。Say nothing in the hearing of a foolish man, for he will put no value on the wisdom of your words. 箴 26:4 不 要 照 愚 昧 人 的 愚 妄 话 回 答 他 ， 恐 怕 你 与 他 一 样 。Do not give to the foolish man a foolish answer, or you will be like him. 箴 26:5 要 照 愚 昧 人 的 愚 妄 话 回 答 他 ， 免 得 他 自 以 为 有 智 慧 。 Give a foolish man a foolish answer, or he will seem wise to himself.

Japan gov confirmed radiation leakage at Fukushima nuclear plants. Asian countries need to take precautionary actions - if rain come, stay indoor, close windows/doors. Expect radiation rain will at Phillipines at 4pm today.

Pte cos are like that, one boss with a few cos. Since they are sisters, same same. They will share resources. Important things are: - remember to get 5 yr warranty. - make sure the ID is acting in the capacity of the younger sister, namecard. - Get hold of him/co after job done, usually some teething problems will surface within 6 months, especially "crack", "peel off", "leak", etc etc.

Need to consider natural light/wind pressure flow issue. - Full height pillars with roller blind for controlling light/wind. - Translucent glass blocks as divider, put in steps. - Simply a drop-down blind from ceiling to floor, roll up when not in use.

Normal. Need to have fast on contact & fast off contact for high ampere to reduce the electric arc/spark. After on/off for some time, you will use to it.