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Warrior88

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Everything posted by Warrior88

  1. Bought 2 at Upper Serangoon, cost $40 + GST each. Soft closing type. Showroom: 730 Upper Serangoon Road #01-02 Yeley Building S'pore 534613 Contact Number:+65 62 858 242
  2. Since Pipe is exposed, why don't lay them on top [not on the floor]
  3. Functions: Grains, dry bean, soaked bean, jam, juice, rice paste, easy washing
  4. Brand new in box, original and new, original $268, selling at $170 SMS 96745933
  5. Hi Everyone, Please see link. http://www.joyoung.com.sg/product_info.aspx?id=10006&cid=1010 Thanks for viewing.
  6. You can buy the spare from PD door directly at $2.00. Also, please buy the door latch spare.
  7. Em.... SC, HSBC, will check with them. Oh bepgof, I thought AUS is 5% for FD ? uob emerging markets bond fund, returns base on performance right ? something like Prudential emerging markets bond fund ? Actually, I can wait 3 years. These are my very spare.
  8. frosted glass mount direct to wall. My layout is toilet bowl, washing basin, shower screen. Only when using the toilet bowl, you might see a dark patch. The Silhouette is very blurr. Can't even make out what is it. My door is never wet, cos there is another shower screen. I have 2 kids in their primary, they use them quite often. They enjoy using my toilet. investment worth
  9. Dear All forumer, Any advise which bank is having promotion rates. Wish to deposit AUS 50,000 . By the way, is this a good time ? Any comments will be appreciated
  10. I change from toilet bi-fold door to frosted glass. Originally want to change to wooden door with frame. But cost the same. Now, I am a happy user, toilet light can luminate your room through the glass.
  11. Statistic report shows that there are 50,000 HDB houses, I would not say homes, out of 1,000,000 HDB. So, 5% are PR HDB owners. How many are on rental, no figures.
  12. Hi bro, Long time didn't see your post liao. By the way, VL=Valuation Limits=is the lower of the purchase price or the value of the property at the time of purchase. Govt worry we may use too much for housing and run out of CPF for retirement so they set AHWL=Available Housing Withdrawal Limit This is a "LIMIT" that one can use, after which, you have to use cash, unless you meet another criteria, the "Minimum Sum" which is for your retirement. This limits do not consider the outstanding loan. It restrict what you can use. If VL=100k, CPF use=70k, Accrued Interest=20k, You have 10k to use before you blow this limits. So, to avoid this, either you pay full, or you stretch you loan. If, you pay upfront 90% with 10% loan stretching 20 years, you acrrued interest will eat into your AHWL. For your case, you had maintain your minimum sum, thus, you can still withdraw after hitting your AHWL Cheers bro, market very volatile, like roller coaster
  13. The AHWL is a moving limit. Using your CPF to make a lumpsum/capital repayment on your housing loan may make you reach the AHWL earlier, but it will reduce the interest charges. CPF informs members three months before the VL is reached and the AHWL becomes applicable.
  14. Kinda rush, rush for 2 days. Accomodation depends on your itinerary. Suggest you get at least a 2 litre car. Insurance is expensive. Watch out for Police car on the way to LV. Suggest you dun miss the 17 miles drive & mystery spot. grab some peaches along the way. best peaches I ever had! Chain hotel/motel are the budget ones. SF lombard drive. Sept.... All the flowers die liao LV got very cheap food. almost free If weather permits, might wanna go grand canyon. I miss both times due to weather Enjoy ......
  15. Furnish or not, should not be debate here. Just rent as it is, different tenant different lifestyle. Mine was fully furnish, tenant dun want, I sold and threw away them. After 6 months, tenant go broke. Ever since, I rent them as it is. If they want more, top up some rent, I will arrange. Landlord still liable for appliances repair within certain period and amount. Main thing, must make sure your things are usable. Doors.. sliding, shower tap leaks, bulb, cooker hood. Keep them well maintain and neat, especially after every rental renewal Nett income is only 10 mths, considering, minus 2 months from Agency fees, conservancy fees, income tax, property tax. You really no have any budget to spend on furnishing except repairs. Rental yield for private is only 3% nia ... Trust me... tenant will appreciate more is your house is well maintain than furnish one.
  16. Check you loan agreement ... Interest-in-lieu of notice: Interest costs for refinancing. Typically, you will need to serve a 3-month notice in writing to your existing financier. This is the interest you may have to pay your existing financier, if you give less than three months notice to fully repay your loan.
  17. Taken from CPF website... For old homeowners, bought before 2002, pls note I bought my property under Residential Property Schemes and took a housing loan before 1 September 2002. What happens if I refinance my housing loan after 1 September 2002? Will the new housing rules - the revised CPF Withdrawal Limit and financier's first charge on the property apply to me? A: When you refinanced your housing loan (i.e. there is a new contract between your bank and you), the new bank will have the first charge on your property and a Withdrawal Limit will be imposed on your CPF usage. The CPF Withdrawal Limit will depend on the date you refinanced your loan (determined by the date you sign the contract with your bank - please refer to Table A below for the various CPF Withdrawal Limits. Once the Withdrawal Limit is set, it does not change with subsequent refinancing. If you are below age 55 and your housing loan is still outstanding when the total CPF usage for the property has reached 100% VL, you may continue to use your CPF Ordinary Account savings to repay the housing loan up to the applicable CPF Withdrawal Limit, if you can set aside half of the prevailing Minimum Sum. Savings in the Special Account (including the amount used for investments) and Ordinary Account can be used to meet half of the prevailing Minimum Sum. However, if you are aged 55 and above when 100% VL is reached, you may use the excess CPF Ordinary Account savings to repay the housing loan up to the applicable CPF Withdrawal Limit after setting aside your Minimum Sum cash component shortfall. When you sell the property, the sale proceeds will be used first to pay off your housing loan, followed by the CPF principal amount withdrawn and the accrued interest.
  18. You may be off the hook for the 2 years. But do note that DBS tie up the legal fees as 3 years .... Legal fees: Costs for legal services rendered in the property purchase and mortgage documentation relating to the bank loan; typically there is a 3-year clawback period. http://dbs.com/sg/personal/homeloans/refinance-your-loan/default.aspx This may not affect you since your purchase you sgin the loan after 2002. But if not, do note this .... Will the CPF Housing Withdrawal Limit affect me when I refinance my loan? If you refinance a property bought before September 2002, you will be subject to the CPF Housing Withdrawal Limit prevailing as at the date of the Letter of offer provided by the refinancing bank. If you refinance a property bought after September 2002, you will be subject to the CPF Housing Withdrawal Limit prevailing as at the date you bought the property.
  19. For Studio Apt, do not need to pay resale levy. Its almost like renting from HDB, rental = $200 ~ $250 per month Difference is you pay 30 years upfront. Money is not always a considering factors. Sometimes, elders choose not to stay with their children. As they can have their life style. But, I do hope that HDB build SA together with other sizes. In this case, parents/child can live in the same blk but different home. Too many dedicated SA now, wonder why they wanna congregate them together.
  20. Examples of Renovation Work Not Allowed Partitioning with combustible or toxic emission materials (e.g. plywood, plastics, asbestos etc.) All rooms must be properly ventilated, if fact the louvre on top the top of some old style HDB room should not be conceal. Also, if case, there is any fire evacuation via the window, there is no access.
  21. Wah, you chim le. think i go grind down the japanese horesradish. No lah just buy from Meidiya in tube.. Got mood, put some radish below the salmon, never put the shiso leaf also la.. think what, my kids eat faster than my cut. best way to eat is to apply some wasabi on the meat, then dip into the soy sauce. That way you get to taste the full flavour, not by mixing wasabi into soy sauce. What, I start to get hungry liao.
  22. What to do? My family of 5, all love sashimi. Once in a while, I will order from those supplier that supply to hotel/restaurant in 1 carton of like 10 air flown salmons, and we split among colleages. cost like $25 ~ $28/kg. For Chinese New Year, it is a must. The most diffiult cut is the toro, but taste the best, the tail is an easy cut, but my kids dun mind unlike me.
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