bepgof

Suppose be 2 stacker (bigger "pipes)in kitchen. One for tiolet's drainage, another for kitchen (for washing machine/washing bay) & may be one "wind" stacker. Don't think it is allowed/approved. Flooring is sensitive issue for tiolet.

In other words, gov "forces" those with "smaller head but want to wear bigger hat" to: by/if they were 1. take 2nd HDB loan, 50% cash proceed back or $25,000 back. "No juice" for seller. 2. force them( still on to existing house)to take 70% loan by issuing the letter "late". Letter as cut off point for loan clear, so can proceed to take 80% for new purchase? 3. Like that the "bridging loan" mkt will boom already lah. Gov pushes left, ppls go right, push left & right sametime, ppls go top or bottom, seal the top & bottom - explosion liao.

Must realise: 1. Market forces are at times, too difficult to predict. 2. BTOs not really "cheap", locations all "ulu ulu" 3. Sampan owners very "smart" and much educated - they want all the "goodsssss", don't want "badssss". In short, all are experts in "investment", want to high highest returns in shortest possible time - this really make MBT cries. Where got all good "all in one"? 4. BTOs schedule may be "delayed" when the markets forces changes, we shall see.

Get the rental yields just nice to pay for a 2-way ticket. Sit aeroplane for "shiong".

You don't get what I mean: 1. Can they(hdb resale seller)buy (sign OTP)another hdb resale without the letter, if they got money? Or, their existing loan also fully paid off.

Want to buy ASX then no money, sure will "dig" investors' pocket.

Philips Singapore at TPY Lorong 1 has SALES from 30/10 to 31/10. All cheap cheap cheap.....

Don't quite understand: 1. Seller cannot buy house(cannot sign OTP) (say hdb resale) before receiving "this letter"? 2. Only receiving this letter meaning seller is "clear" from the loan? Thus can get new loan at 80%? 3. If "can afford" to get 80% loan only, but "can't affor" for 70% loan, why step into property sale? Backside itchy? Sleep at nights too peaceful liao?

Suay lor. You threw you clean also don't know, sigh. No throw no clean. You've already "transferred" the title of ownership to some "beings". Beings have "right" to decide what/how to do with these. If they give you no indications, you act as "judge/policeman" and remove these away on their behave, common sense? The law of universe. Human likes to "Ke Kian", like to build castle in the air, yet not sure not sure = under pressure of uncertainties and fears.

Comments: 1. One's already determined the macro-level FS for oneself by choosing the unit himself. 2. So, am I right to say, owners(fs believers) who choose residential unit themselves are "fsms" to some extent? 3. Macro is more important that micro. 4. Why bother to engage fsms to improve micro when macro has been determined by oneself? 5. Imagine yourself were a full-time fsm, would you be "happy" to be invite to "look at" "micro" only? 6. If believe fs so much as to residential vs destiny, why do thing the other way round? Good for ones to have some common macro-level fs principles when come to residential: 1. Left Dragon, right Tiger, back Tortoise, front Bird. 2. Dragon to be "taller" than tiger. 3. River/water road surround house. 4. No hospital neaby ? 5. No cementry grave near by? "Historical cementry grave" like Bishan ? 6. No "giant bridge" neaby? 7. No "giant expressways" near by? 8. No building with "sharp" "tall" anntenna nearby? 9. No "blue color" roof top? 10. Dragon Qi surrounding/retention/diverting 11..... 12.....

- Mun Siong & Anchun see me not up, applied for 10 lots each, never kena. - Anchun will start trade on 25 Oct 2010. - Xinren Aluminium is on the way. Wow, my pocket kena digged until got holes liao. China, India, Brazil, Australia should follow Singapore lah, issue IPOs and suck away the "hot money". Sure the inflation will be down, no need to increase domestic interest liao!

No lah, how can small buy big. The other way round, anyway, the merger is one thing, buy over is another thing & subject to many approvals in Australia. - SGX counter stopped trading in afternoon cos of the "rumour". Morning's price kena "lau sia" all the way down cos of this. Better leave it first. - Next yr, likely over SGX platform can purchase oridinary shares of those co listed in NASDAQ. Pillar will step down soon, this MB very "hiong" and ambitious. Asked the broker abt "package lunch" - he siad very likely next yr he has to have his lunch "inhouse". HKSX is the target SGX try to "beat", ok?. This is exactly the same as our immigration policy: Not enough domestic consumption then let in those "immigrants" to stimulate the mkt. Merge with ASX will increase from 10b+8b =$18 Billions . HK is $30 billions leh.

Left-over BTO units are "u know I know", like buying durians, the left-over = u know i know.

Law firm charges to bank directly. 300K loan should be around $2000~$2500. laywer will correspond between lawyers of: - you bank and SLA to lodge caveat against yr property - your bank & cpf board - your bank & hdb, if full redemption is made. Things you should be careful of: - When interest rate revises, monthly instalment amount will be affected, you'll have to use singpass log on to cpf to make amount change. - Most banks offer either sibor, or sor packages, not both together. eg UOB-sor, DBS-sibor - You should study the nature of sibor and sor. 3-month, 6-month & 12-month moving average effects. See link below. http://smp-consulting.com.sg/smpc/?option=...ticle&id=62 - Respective banks will say their are best offers. - Personally, I prefer local banks and stick to one for life for loyalty. You'll understand and appreciate this when you get older. - 300k @1% for 25yr, will be $1,131per month with $250 paying towards interest. - 300K@2.6% (HDB) for 25yr, will be $1,361per month with $650 paying towards interest. - Make judgement yourself. - Likely sibor will slightly go up in coming months as countries's respective central banks likely raise their domestic rates to fight inflation. - Worth spending time studying all these to make wise decision.

- See lawyer only after bank doc signed. Bank assigned.... - Banks pay "legal subsidy" to lawyer. - Refinancing is much simpler process - When given choices, why don't exercise choice and make a wise choice? - When no choice, you'll really understand whatis called "sianz". Condemned = indifference to sentenced to death = no hope. - The beginning is always "difficult", once kick starts, everything starts rolling.

To me, another F/H "chicken cages" at Geylang Lor 28.

Good to you lah. The "problems" for 1st timer owner abt BTO, are: they want - Fresh - Cheap - Big - neighour (good amenities, good location, view, fs, mrt, siblings.....) Always, BTO's has "location problem" to 1st timer. 1st timer "fight" with "old birds" over resale because of Amenities like (mrt, good schools)...

Simple. 1. Fing out banks who offer "cheapest" rate to yr needs. 2. Call, make appt with "consultant" - carry with u OTP, pay slip, IR8A, IC, cpf statment.... 3. Wait for abt 1 wk fot the LO. 4. Bank will provide "legal sisidy" & assign a lawyer to u, once your application of credit facility is approved & signed. 5. Or, if you have a choice lawyer firm in mind, tell the bank you want that firm & confirm if that firm is in bank's panel (Usually yes) 6. See carefully the "legal subsidy" amount stateed in the doc. LS amount subjects to loan amount. Before approach banks for cheapest rate, ask yourself: - Expected loan amount - Want to do partial payment within a year? - If so, what's is minimum outstanding amount to keep for a year? - Prefer fixed, sibor or sor pegged? - Want to do full redemption within a year? Then look for no "lock in" - With "lock in", rates usually slightly better than those without lock in. Surf the net for better understanding the mortgage loan. Mortgage loan is a major decision in life. Good to have mortgage loan experience with banks, so next time when you venture into private property, you'll have more confidence.

1Q2010qoq +2.8% 2Q2010qoq +4.1% 3Q2010qoq +4% http://www.hdb.gov.sg/fi10/fi10321p.nsf/w/...Document#Detail Data indicated HDB resale heat now is in "western" part of Singapore. The "flying arrow" has lost its strength, collasping soon. Low tide is coming. My forecast: 4Q2010qoq +0% ~+1%, no harm to predict right?

http://www.hdb.gov.sg/fi10/fi10322p.nsf/w/...vy?OpenDocument HDB is ah kong company, Ah kong very smart, has kept all yr record, thought there are smarter ppls around. 1. If BTO flat remains in your spouse & his/her mother's name. You can keep the levy. 2. Any moment, you want to replace his/her mother's position, ah kong will ask you to vomit outthe levy.

Do not let mind runs wild. My understanding of "water feature" as to feng shui is such: - Moving water has "dissolving", "softening", "blending", etc effects to human minds. - You can see many such (not those home ones), placed right in the centre of the entrance to the compound of buildings. - Can see also at "sides" of buildings (building between building)- The condo "Baywater" is a typical example - 2 "feng shui waterball" in between buildings. - These are believed to have the dissoving disputes, softening tension, blending characers of different kind to have good relationship. The placement at such "strategic locations" is to "remind"/"influent" ppls to be more "rounded" in term of way of doing things. - Home? Really already too much "water", personally not recommending. Will create unnecessary tension/arguments between husband/wife/children if owner does not take care and maintain , while other occupants have to take over this duty. Same applies for rearing fish/bird......

I bought 30 lots at 1.19. MIT is back by Temasek Holding Grp. Yesterday God "bless" the stock exchanges. Read today's paper, SGX-Singapore in merger talk with Aussie Exchange. SGX has market value of $10b, ASXs $8. HKSX $30b..... Lately KHSX has "sucked" many IPOs, cos backer is China (got cash), Listing companies "think" can suck these cash... SGX's CEO MB looks set to be CEO of new merger. Chiong ah!

Shssss = wee wee

How do I dare You are the "Ah Jia Tou". My late mother had this experience, this kind of spider is called 跛鬼爷. She told us if we encounter such situation, try to think of shsssss, it will run away. Anyway, I've not encountered such. I though only "old" ppls know abt the spider stuff.

- My body has already 70% water. Tiolets, kitchen also got much water, especially those "unwanted" humidity in tiolets. I've spent quite a while looked for mirror without mercury. - I also bought one vacuum cleaner cum de-humidity, costs me SGD3,700, motor with 10 yr warranty. - Late father had advised me serveral times to stay far far away from "water", as water "ke" me. Though I love swimming, sea sports... - From my present house(#23), look out from window, can see 3 kinds of "water" - bedok reservoirs (1 big & 1 small), east coast sea and swimming pools. - My wallet and bank accounts with "water" par par. - So I don't require any "water feature" to be put inside house. Water, see from far ok, stand/stay near, no good lah - humidity. You'll never observe in daily life, once you observed too much this kind of "water", always too late to take actions.