MaCe

it's someone's house....cant just take pics or tell you where the house is. it's like when you(houseowner) open your main door, your first step into the house will be on the transparent glass tiles with water and corals inside.

this is MORE to having a lousy neighbour. not FS. i wont want to live with such neighbours.

i even skipped my toilets(didnt do)

pple there very nice lah - fixed pricing no worries about kena carrot.

Trapped by lure of the high life ONE was an unemployed woman who bought a $7,000 home theatre system on hire purchase. Another a young executive who chalked up $5,000 on each of his five credit cards. Then there was a couple with children who took a $100,000 bank loan to renovate their four-room flat. Come crunch time, all could not pay. MPs and social workers say they are seeing a significant number of residents turning to them for help to clear their debts. This picture emerges despite, or perhaps because of, the booming economy and nearly full employment. The issue was highlighted on March 15 by Prime Minister Lee Hsien Loong at a Malay community event. He said that MPs 'often see families who have over-committed themselves financially' - for instance, those who had been 'extravagant in doing up their homes using renovation loans'. Others had 'bought expensive furniture or large-screen TV sets on hire purchase'. 'Those with the most serious problems have bought homes which are larger than they can afford, and taken mortgages which they are then unable to pay,' he said. In Pasir Ris-Punggol GRC, MP Charles Chong said he sees about three such cases each week at his Meet-The-People sessions. Over in Tampines GRC, the number of such cases is about five to six each week, said MP Masagos Zulkifli. The stories are often similar: The debtors had signed up for large house or car loans or hire-purchase agreements; or chalked up high credit-card debts. Sooner or later, they ended up unable to keep up with the monthly payments. While such debtors cut across all races and income groups, more than half are Malays belonging to the lower-income group, said the 10 MPs and social workers interviewed. While the problem is not new, MP Zainudin Nordin of Bishan-Toa Payoh GRC, who sees about five to six such cases each week, said it was 'definitely a worrying trend'. MPs and social workers agree there will be the 'hard luck' cases - those who experience a sudden loss in income or have family members hit by major illnesses. But they say there are others who simply cannot separate 'needs' from 'wants'. In fact, the consumerist urge in a time of affluence could worsen the problem: the proverbial 'keeping up with the Joneses'. Mr Zainudin, who is also mayor for Central Singapore District, said: 'There are those who expect to live as well as their peers.' Ms Nur Hilyah Saparin, who is the centre head of Ang Mo Kio Family Service Centres (Sengkang), observed the same pressure. 'Their logic is that they must provide the best for their families. If they don't, they reason that they are not being responsible,' she said. Pasir Ris-Punggol GRC's MrChong once met a man who bought a $4,000 bed for his family when he earned only $2,000 a month. Jurong GRC MP Halimah Yacob recalled meeting an unemployed woman who bought a five-room flat that required a monthly payment of $1,500. The situation is not yet alarming, the MPs and social workers say. But they worry that if the economy slows down and more jobs are lost, it could get worse. The growth in credit card numbers and hire-purchase agreements is part of this nexus, especially when consumers lack discipline. Credit card numbers have grown, according to the Monetary Authority of Singapore. In 2005, there were about 4.45 million cards. In January this year, the number jumped to 5.72million. The average spending per month of credit card-holders is rising: from $3,755 in 2005 to $4,272 last year, figures from the Credit Bureau (Singapore) show. Last December, the total amount of 'rollover' credit debt - when a card holder pays only the minimum allowed every month, carrying over the remainder to the following month - also hit a new high, crossing $3 billion for the first time. Such numbers should be watched closely, said Mr Kuo How Nam, president of Credit Counselling Singapore, a non-profit organisation which gives advice to debtors who have trouble repaying credit card bills or bank loans. He also worries about the effect of a downturn on people with rollover debts. He said the message that credit cards are a means of payment but not a means of borrowing should be drummed into the public. Ms Anne Tay, OCBC Bank's vice-president for group wealth management, suggested that people should go for financial health checks. She has this advice: 'Living within your means is not enough because it means you spend what you earn. Try to live a lifestyle below your means instead.' Or as Pasir Ris-Punggol GRC MP Penny Low asked: 'Is it the high cost of living or the cost of high living that is leaving us breathless?' jamieee@sph.com.sg chenmy@sph.com.sg

i have seen "fish pond" on the main door(transparent tiles with corals and water)

downlights covers only a small area dont think 2x is enough.

old newspapers

me back... busy time over soon next week

a empty house is a potential ghost house

for cantona. www.sgcarmart.com http://www.sgcarmart.com/new_cars/newcars_...p?CarCode=10068

nothing beats a element in it's pure state(water as in a bucket of water/fountain). to have 5 elements at one place/hanging on the wall = con man's selling.

heng you didnt get conned...

your friend owns a Casket shop?

ren qi!

they are one of the major distributor for OSRAM. they sell bulbs only....99% of their customers are contractors.

I bought my OSRAM ENERGY SAVING halogen bulbs from : Penta Lighting Pte Ltd 32 Ang Mo Kio Industrial Park 2 #06-17 Sing Industrial Complex / 569510 64849000 yes I am stating energy saving halogen. i find that among all electrical stuffs salesmen, the ones selling lamps are the WORST lot. out of 100 maybe you can only find 2 who really knows about lamps and bulbs. I laugh at their face when they told me there isnt SUCH a thing as ENERGY SAVING HALOGEN bulbs. read here regarding all the MYTHs and grandmother stories those salesmen likes to tell you. http://michaelbluejay.com/electricity/myths.html

he meguiar kid!

thats good news! reno by hobee will be perfect!

then where you gonna dispose your garbage? just throw outside window?

never use RAINx unless you are the type who is so hardworking - needs lots of maintenance like re-applying every week or else whole screen gets blur or your wipers juddering. try a one off nano coating around $200+ gurantee 5 yrs. http://www.nanobond.com.sg/04069401p2.htm

most electrical shop(selling to contractors) have the timer. cost around $50+ looks ugly but very lasting! try hong kwang. address and contact above this page.

filth!

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