MaCe

i think i ask my wife to explain to me....me money stuffs realli cant understand... simi also price increase...haiz...

homefix got.

huh? dont understand...elaborate can?

yalor - how i wish i got bats or batman walking/flying into my house... so far only a lousy black cat strays into my house

wah? how come out of stock??? thot very common thing leh.

yours is when ah? i remember i saw somewhere................... !!

heard there is one guy called eric or something - many members used him.

alright, i got a few kinds of cheese. with apple/wasabi flavour also. the below pic is for those who dare to go for memory upgrades.

they say eat pig brains good good....but the moment me saw the pig brains....PUKE!!! how to upgrade.....

huh? so iron or fibre? vege is iron or fibre? i only know when i eat LOTs of salad - the next day hor - very easy going...wakakakka

I felt the bank very ORHSIM....knowing that this guy can never service the $150k loan yet .....

paiseh....memory not enough...

Family of 12 faces eviction for not paying bank loan E-von Yeung Wed, Nov 07, 2007 A FAMILY of 12 has been sent packing, literally, from their flat next month for not keeping up with bank loan payments. Mr Mohd Ali, 40, his wife Latipah, 35, and their 10 children will soon be evicted from their home, in which they have lived for more than four years. According to Mr Ali, they owe the bank about $10,000 in arrears and have been unable to pay up. 'We want our family all together. We have some financial problems also. I have a lot to pay,' said Mr Ali. The picture is bleak. Mr Ali said he earns only about $800 a month as a cleaner, his wife has a heart problem and is unable to work, and they have 10 children to support as well as medical bills to pay. Already, servicing the bank loan for their 3-room flat in Yishun takes more than $800 a month, he said. Homeless again Four years ago, the family had been homeless for two years, living at Busoorah Street and sleeping on cardbard boxes. They would go to the nearby Sultan mosque for their showers. The family of 12 had also slept outdoors at Yishun Town Gardens for a month. From the youngest child, who is two years old, to the eldest, who is 17 years old, the kids had to stop school at times, for up to two years at end. Both husband and wife fear the possibility that social services might take their children away from them. 'I'm worried we don't have a home. I'm worried about my kids. Every night I pray that God will protect my family,' said Mdm Latipah. Mr Ali already had problems keeping up with payments to the bank OCBC since the second year they moved in. Despite receiving a total of about $16,500 worth of aid since March 2004 - from the Community Development Council (CDC), the Islamic Religious Council of Singapore, Yishun Family Services Centre and MP Mr K Shanmugam, among others - Mr Ali's heavy debt did not go away. Financial prudence key Mr Ali said his family had moved out of their rental flat more than 4 years ago. They already had difficulties in meeting the monthly rental of about $300 but yet, Mr Ali went on to buy his sister's flat in Yishun by taking a $150,000 bank loan. This decision proved to be a burden too heavy to bear. Sembawang GRC MP Mr K Shanmugam said that financial management is important when making decisions on property purchases. He told straitstimes.com: 'When we make financial decision which are bad or imprudent, it's not possible for someone else to come and bail you out. 'But we must try to do the best we can because there are children involved. Our task is to not sit and moralise, but to try and help in whatever we can.' On behalf of the family, Mr Shanmugam has already appealed to OCBC to grant them more time to repay the bank loan. He has also written to HDB to expedite a request for a rental flat. After reviewing the case, HDB has shortened the usual waiting period of 3 1/2 years to six months. OCBC Bank's Head of Consumer Secured Lending Gregory Chan told straitstimes.com that it is only after exhausting 'all reasonable possibilities' that 'the bank resorts to foreclosure'. Extensions can be granted on a case-to-case basis, on compassionate grounds, he said. straitstimes.com understands that OCBC has already extended the original date of eviction from Nov 16 to Dec 31. The HDB has said it will not and cannot intervene because a loan is a private contract between a mortgager and the bank. Families like Mr Ali's who are facing financial difficulties do have various alternatives to get help, according to Singapore Children Society's Senior Counsellor Noor Sida Abdullah. 'If they have school-going children, we can assist them with the School Pocket Money Fund. If they require financial assistance, that's where we can link them to the CDC, to self-help agencies. We also work closely with the MP, if they need advocacy.' But Ms Sida said financial prudence is paramount, and early intervention - or seeking help - before debts become too big to handle. Still, for Mr Ali and his family, it seems that all avenues of help for this family have been explored, and wandering homeless on the streets may soon become a tragic reality. 10 kids! !!

another word for acrylic is plastics. granite will last you forever.

then try to neg lor. just tell your ID/contractor BLUNTLY - why yours SO expensive? market rate like dat like dat nia....

meimei beri rich siah... 40k is NOT quite decent - it's a LOT!! !! most of the horror stories you read in this forum or any other forums started from expos.... do make USE of them for some free ideas though - i mean if you can.

look for another contractor. Lighting point $28-$30 13A double power point $50-$55.00 Swifting of switches $30 ok SCV point $70-$90 Telephone point $50-$60 Install light $8 per lamp

me and my 64mb ram....memory not enough... cantona no come - i 2nd Dec 2007 by invitation only 1)gendon x 2.5 2)compassvale x 2 3)Angelwrath x 2 4)Applefreak x 1 5) Karen x 1 - tentatively.... 6) diva79 x 2 7) Cantona - bo konfirm yet 8) Bluberi - CMI 9) Lifestyle - x2 10) Ranval - CMI 09 Dec 2007 by invitation only 1)gendon x 2.5 2)compassvale x 2 3)Angelwrath x 2 4)Applefreak x 1 5) Karen x 1 - tentatively.... 6) 7) Cantona - bo konfirm yet 8) Bluberi - x 2 9) Lifestyle - x2 10) Ranval -x 2 orh...no wonder. i thot how come can like dat. hehe

only after you have got the keys.

wah didnt notice....so envy siah... dont kay kay lah - simi 4 pcs of cardboard... got time go to their new showroom look see look see...very nice. not cramped machiam their old place. 2nd Dec 2007 by invitation only 1)gendon x 2.5 2)compassvale x 2 3)Angelwrath x 2 4)Applefreak x 1 5) Karen x 1 - tentatively.... 6) diva79 x 2 7) Cantona - bo konfirm yet 8) Bluberi - CMI 9) Lifestyle - x2 10) Ranval - CMI 09 Dec 2007 by invitation only 1)gendon x 2.5 2)compassvale x 2 3)Angelwrath x 2 4)Applefreak x 1 5) Karen x 1 - tentatively.... 6) diva79 x 2 7) Cantona - bo konfirm yet 8) Bluberi - x 2 9) Lifestyle - x2 10) Ranval -x 2

their shop location already tell me - me cant afford...

www.astoria.com.sg - theirs are cheap. many branches in sg. fulushou, bencoolen shopping mall(opp OG)

many pple got it wrong - you should see a fsm FIRST before buying a house. not the other way round. prevention is better than cure - no point getting a house with so much "defects" then ask a fsm to patch here/there. certain "defects" got NO remedy one hor. those that can hang a certain $10 item to counter it are either very low effect "defect" or the conman fsm just wanna make some extra $$$ from you.

close to nature good wat. my primary school used to be at the foot of mountfaber - simi also have - remember saw school cleaner using a changkor to chop up a cobra. mummylee, dont worry lah...it's a once in a blue moon thing.

not ghost lah...bats and birds. one member kena bats flew in makan her stuffs/dirty her place. not graves lah....especially those blocks very close to mountfaber...occasionally got snakes at the grass patches. lost tourists most likely.